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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.
-3,199,920 kg CO2e
PL0003255
Goal
36,500 €
Raised
36,500 €
Return rate 
14.2%
Rating
A
Period
48
Time left
LTV
50%
Country
Poland
Loan purpose
Working capital
Business information
Security measures
Loan history
Project owner | Address |
|---|---|
header_1 | Declared | Owned |
|---|---|---|
| Farming land | 190.00 ha | 90.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Revenue | 209,845.00 € | 156,840.00 € |
| Net profit | - | - |
| Equity ratio | - | - |
Project description
Documents
Payment schedule
The farm has been successfully managed by the current farmer since 2016, when he took over 18 hectares from his father. Through consistent reinvestment and professional management, he has expanded the operation more than tenfold to 190 hectares today, of which 90 hectares are owned. This steady growth demonstrates strong operational discipline, a long-term vision, and a proven ability to scale.
The farm is managed directly by the owner, who is fully dedicated to daily operations and strategic development, and supported by seasonal workers during peak periods. The business focuses on crop production and beef cattle, creating a diversified and resilient income structure.
The current crop structure is as follows:
23 ha of rapeseed
22 ha of peas
10 ha of soybeans
7 ha of alfalfa under an organic farming system
25 ha of malting barley
48 ha of corn
55 ha of wheat
This crop mix combines stable, widely demanded commodities with higher value segments such as malting barley and organic alfalfa, offering attractive market potential and risk diversification.
In addition to crops, the farmer runs a growing beef cattle operation. The herd currently consists of 36 head of beef cattle, with a clear and ambitious development plan: the farmer intends to increase the herd size to 100 head within the next year. This expansion will strengthen the farm’s livestock segment, improve manure availability for soil fertility, and further stabilize cash flows.
The farm is well-equipped with modern machinery that supports efficient, timely fieldwork and high-quality production, including:
CASE tractor, year 2021
Kubota tractor, year 2019
Kubota fertilizer spreader, year 2020
Lely Welger baler, year 2014
Kverneland precision seed drill, year 2024
The presence of up-to-date machinery, especially the 2024 precision seed drill, underlines the farmer’s focus on modern, efficient, and sustainable production practices.
The requested loan will be used for current operating expenses, including plant protection products and fertilizers. These inputs are essential to maintain high yields, protect crop quality, and fully leverage the farm’s scale and modern equipment. By financing working capital, investors will support a well-structured, growing farm with:
A strong track record of expansion from 18 ha to 190 ha
Diversified crop and livestock production
Modern machinery and organic components in the rotation
A clear growth plan for beef cattle in the near term
This combination of proven growth, diversification, and responsible investment in productivity makes the farm a solid and attractive opportunity for investors seeking exposure to real assets and the agricultural sector.
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.