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Žalioji paskola
Investuotojams Žaliosios paskolos atveria naują galimybę prisidėti prie klimato kaitos stabdymo ir pasinaudoti sparčiu anglies taršos sertifikatų rinkos augimu. Investuodami į Žaliąsias paskolas InSoil platformoje, jūs paskolinate pinigus ūkininkams, o vietoje palūkanų gaunate dalį grąžos iš aukštos kokybės anglies taršos sertifikatų pardavimo tarptautinėje savanoriškoje anglies dioksido rinkoje.
-3,199,920 kg CO2e
PL0003255
Tikslas
36,500 €
Surinkta
36,500 €
Palūkanų dydis 
14.2%
Reitingas
A
Periodas
48
Liko laiko
LTV
50%
Šalis
Poland
Paskolos tikslas
Working capital
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Dirbama žemė | 190.00 ha | 90.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Pajamos | 209,845.00 € | 156,840.00 € |
| Grynasis pelnas | - | - |
| Nuosavo kapitalo santykis | - | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
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.
Main Terms
Main Terms
The principal will be repaid by the farmer in regular instalments over the span of 4 years in accordance with the repayment schedule.
100 hectares of land are included in the Green Loan program. It is estimated that a total of 638 carbon certificates will be generated in 5 years (based on a conservative estimation). Consequently, investors will receive below indicated portion of sales proceeds from every carbon certificate generated from the land of the project owner involved in the program;
(1) 60% of income received during the loan period;
(2) 40% of income received for the following year after the loan period.
It is expected that the first carbon certificates will be generated and sold in the second quarter of 2026. The exact return will depend on the amount of sequestered CO2 levels and the sale price of the carbon certificates.
If the project owner (farmer) withdraws from the Carbon Credits Agreement and does not intend to follow the agreement on the carbon revenue split with investors, the project owner will be obliged to repay the entire loan as well as pay the penalty, calculated by multiplying the interest rate by the entire loan amount and period equal to the duration of the loan agreement plus 12 (twelve) months.
Investors of this loan would receive a penalty of 36500 EUR * 11% * 5 year = 20075 EUR. This penalty can be reduced by the return earned by investors from the carbon credits generated
If the project fails to be delivered successfully through no fault of the farmer, the farmer commits to paying investors a minimum interest rate of EURIBOR 6M + 1.5%. This commitment applies in situations such as the lack of market demand for selling carbon credits, among others.
Annualized return forecast
Conservative scenario (€20 per carbon certificate): 9,27% IRR*
Today's scenario (€35 per carbon certificate): 14,13% IRR*
Optimistic scenario (€100 per carbon certificate): 30,49% IRR*
Read more about the return scenarios in the document section
*The internal rate of return (IRR) is a metric used in financial analysis to estimate the profitability of potential investments. Learn more about it
Keep in mind that the return forecast is an estimation and does not guarantee you the returns mentioned above."
Investuodami į žaliąsias paskolas, prisiimate šias rizikas
Anglies taršos kreditai gali negauti reikiamų sertifikatų ir nebūti sukurti dėl vienos iš šalių kaltės ar išorinių veiksnių.
Dėl pasikeitusių rinkos sąlygų, matavimo metodologijos ir kitų veiksnių, anglies kreditų kaina gali keistis.
Projekto savininkui neįvykdžius savo įsipareigojimų, UAB Heavy Finance imsis visų būtinų priemonių investuotojų interesams apsaugoti ir panaudos pirmine hipoteka įkeistą užstatą, tačiau bendrovė negarantuoja visiško projekto savininko įsipareigojimų įvykdymo.