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INTEREST RATE, NO EURIBOR

Fair financing for sustainable farmers

Carbon Credits Form (carbonForm)

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and receive a 0% interest loan for sustainable farming. 

Increase profitability while increasing soil fertility

Sustainable farming practices increase the amount of organic carbon in the topsoil improving the environment for earthworms and other organisms. Consequently, the soil becomes more resistant to draughts and provides better conditions for your plants. 

With 0% financing, you can expand your sustainable practices without financial burden of working with traditional financial institutions.

Eligibility Criteria

01.

Reduced tillage soil management
(no-till, minimum tillage or strip tillage)

02.

40 ha + of arable land
(Your farm needs to employ reduced tillage soil management practices in at least 40 hectares of land)

What is Sustainable Farming

Sustainable agriculture includes no-till, strip-till, and minimum tillage soil management practices, as well as crop rotation, cover crops switching from chemical to organic fertiliser, and reduced fuel consumption.

By employing sustainable agriculture in your farm, you generate carbon certificates and are therefore entitled to a 0% interest loan. Additionally, farmers will receive proceeds from the sale of carbon certificates for one year after the loan repayment.

What are Carbon Certificates

Carbon certificates are tradable units, each representing the removal of one tonne of carbon dioxide from the atmosphere. Farmers participating in carbon farming practices generate certificates by storing carbon in the soil.

1 Tonne of CO2 Removed = 1 Carbon Certificate

Regenerative farming practices are a prerequisite for drawing down the excess CO2 from the atmosphere. Our scientists make precise calculations of carbon absorbed in the soil to create carbon certificates. 

Through cooperating with HeavyFinance, farmers can benefit from the positive impact of reducing emissions while also getting 0% interest financing and returns from the sale of the certificates.

Real life example

From polluter to sequester

Meet farmer Donatas, a sustainable farmer. In stages, he has been implementing regenerative land management across all of his 330 hectares of farmland since 2017. 

To employ regenerative agricultural practices throughout the fields, the farmer applied for a 105.000€ loan from the HeavyFinance to purchase a disc cultivator Carrier XL 425-625. 

HeavyFinance offered him 0% interest Green Loan to expand sustainable farming practices. Donatas was also provided with tailored repayment schedule to make largest instalments after the harvesting. 

After the farmer repays the 0% agricultural loan, he will start earning additional revenue from the sale of carbon credits generated due to his sustainable farming practices.

What Our Farmers Say

I was one of the first farmers to adapt zero tillage around 15 years ago. It wasn't easy to change the practices but I now have better yields and my crops are more resistant to draughts. Now, after signing an agreement with HeavyFinance, I get 10% more revenue per hectare just by letting their team take soil samples once a year.
Valdemaras, 1200 ha
Farmer from Lithuania
After a devastating drought in my area in 2018, my harvest was almost three times smaller. I knew I had to do something to increase the resistance against draughts and floods, therefore, moving to no-till soil management with HeavyFinance seemed like the only wise option I had.
Andrius, 340 ha
Farmer from Lithuania
Having only 85 hectares of arable land, I really needed reliable financial partners with deep knowledge in agriculture to switch to no-till farming. It was not an easy road but now the quality of my soil is better and I have bigger harvests.
Maciej, 85 ha
Farmer from Poland
Being a young farmer I didn't even consider buying a conventional plough. I started with 60 hectares of land and I know that I will expand in the area because most of the farmers around will soon start renting out and selling the land because of their old age. I have a chance to manage that land more efficiently.
Jan, 60 ha
Farmer from Poland

FAQ

A green loan is a form of financing that enables borrowers to use the proceeds to start or to shift to more environmentaly friendly business practices. In Agriculture, it includes reduced tillage farming, more energy efficienty equipment, reduction of chemical fertilizer, etc.

Green loan allows farmers to get 0% rate financing to implement sustainable soil management practices. It therefore provides more security to farmers when switching to sustainable practices and increases profitability of the farm. 

A study of Moody's analyzed over 8,000 loans found out that sustainable loans are considerably less risky, meaning, farmers are less likely to get into major financial difficulties while repaying a sustainable loan.