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Green loan
Green Loan is a type of financing that enables farmers to use the proceeds for projects contributing to the environment. For investors, Green Loans give an opportunity to indirectly contribute to the generation of high-quality soil carbon credits, which are later sold on the Voluntary Carbon Market and receive part of the proceeds from their sale.
-895,977 kg CO2e
PL0003176
Goal
10,000 €
Raised
10,000 €
Return rate 
13.4%
Rating
C+
Period
48
Time left
LTV
50%
Country
Poland
Loan purpose
Refinancing
Business information
Security measures
Loan history
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 36.59 ha | 18.25 ha |
| 2024 | 2023 | |
|---|---|---|
| Revenue | 18,557.00 € | 34,000.40 € |
| Net profit | - | - |
| Equity ratio | - | - |
Project description
Documents
Payment schedule
Agricultural activity began in March 2022 and has since expanded through a combination of leasing, donations, and inheritance of family land. Currently, the farm controls 18.25 ha of its own land and approximately 18.34 ha of leased land (6.39 ha under a written agreement and 11.95 ha under a verbal agreement). The borrower is involved in diversified crop production and cattle breeding, planning to optimize operations and gradually expand strategically over the next 4–5 years.
Production structure:
Crop production based on a diversified crop structure: 3.5 ha of triticale, 9 ha of rye, 2.7 ha of corn, and the remainder is grassland, which ensures risk diversification and stable crop production.
The farm has 8 beef cattle, which allows it to preserve its family heritage while enabling future changes in its activities.
Machinery: The company uses a functional fleet of essential agricultural machinery:
POLMARK sprayer (2015)
STRUMYK disc harrow (2017)
TECA cultivator and seed drill combination (2010)
KOWALSKI rotary mower (2015)
BOMET cultivator (2013)
AGROMASZ subsoiler (2012)
These assets form the basis of operational autonomy and reduce dependence on external suppliers.
Strategic plans and growth potential
The borrower intends to restore soil fertility and move away from the current animal production system within one year, indicating a focus on improving crop productivity and sustainable practices. Planned investments in machinery, including weed harrows, mowers, rakes, and a tractor, will increase operational efficiency and reduce labor intensity.
Long-term plans include expanding the farm by approximately 20 hectares of adjacent land over 4–5 years, reflecting a clear vision for scaling up operations and strengthening the land asset base.
Purpose of the loan and value proposition
The proposed loan will allow for the refinancing of existing financial obligations, improving liquidity and financial stability, while also financing necessary purchases of feed and fertilizers, which are critical to immediate agronomic performance.
Project risks
Please note that investing in this project carries inherent risks, including the potential for the loss of profits and invested funds.
In the event that the Project Owner fails to fulfil their obligations, InSoil will take all necessary measures to safeguard the interests of investors and utilise the provided collateral. However, the Platform Operator does not guarantee the complete fulfilment of the Project Owner’s obligations.
There is also the possibility that carbon certificates may not be generated due to various reasons, such as the actions of Heavy Finance UAB, the project owner, or external factors.
Due to changes in market conditions, measurement methodologies and other factors, the price of carbon certificates is subject to change.