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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.
-1,599,960 kg CO2e
PL0003341
Tikslas
18,000 €
Surinkta
18,000 €
Palūkanų dydis 
12.9%
Reitingas
A
Periodas
36
Liko laiko
LTV
50%
Šalis
Poland
Paskolos tikslas
Investment to increase production
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas | Adresas |
|---|---|
header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Farming land | 197.00 ha | 45.00 ha |
| 2025 | 2024 | |
|---|---|---|
| Pajamos | 171,126.65 € | 119,727.37 € |
| Grynasis pelnas | - | - |
| Nuosavo kapitalo santykis | - | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
Independent Farm Overview
The farm was inherited by Mr. Adrian from his father on August 18, 2020 (initially 45 ha). It currently covers over 197 ha, including more than 45 ha of owned land and over 152 ha under documented lease agreements. Mr. Adrian manages the farm independently. The operation includes crop production and livestock farming: 40 dairy cows, 32 bulls, 10 heifers, and approximately 20 calves. The remaining area consists of meadows and pastures used for cattle grazing and on-farm needs.
Crop Structure and Land Use (Current)
Corn: 70 ha
Wheat: 20 ha
Triticale: 24 ha
Modern Machinery Portfolio
- Massey Ferguson RB61V Premium tractor (2022)
- SaMASZ 340HD disc mower
- Sulky DX30+ spreader (2024)
- Slurry tanker (2023)
- Massey Ferguson 7715S Premium baler (2024)
Expansion and Development Plan (Next 3–5 Years)
Purchase of modern machinery: self-loading wrapper, advanced manure spreader, new tractor
Lease buyouts: 3–5 ha annually
Acquisition of new land
Increase in livestock herd size
Loan Purpose
The loan will fund investments to boost farm production, including ergonomic improvements and capacity enhancements for greater efficiency and output.
Investment Opportunity
This dynamic, owner-operated farm with a solid foundation offers excellent growth prospects through machinery modernization, land expansion, and livestock scaling. Investment will enhance productivity, streamline operations, and support sustainable long-term profitability.
"Main Terms
The principal will be repaid by the farmer in regular instalments over the span of 3 years in accordance with the repayment schedule.
50 hectares of land are included in the Green Loan program. It is estimated that a total of 255 carbon certificates will be generated in 4 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 18000 EUR * 13% * 4 year = 9360 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): 7,91% IRR*
Today's scenario (€35 per carbon certificate): 12,82% IRR*
Optimistic scenario (€100 per carbon certificate): 29,43% 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.