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Thanks to Green Loans, a new Heavy Finance investment product, the answer is yes!

Green Loans allow you to provide financing for environmental solutions making a real positive change to our climate while making a great return on your investment. At HeavyFinance, we open the door for retail and institutional investors to the growing market of carbon certificates, offering an opportunity for a significant return with a significant impact. We encourage you to learn more about the potential of the carbon certificate market on our blog.

A carbon certificate is a unit of exchange that companies and organisations can use to offset their greenhouse gas emissions. One carbon certificate is equivalent to one metric ton of greenhouse gases removed from the atmosphere, and farmers engaged in no-till practice on average remove 2.3 tonnes of carbon dioxide per hectare from the atmosphere every year.

As the current market price of a single carbon certificate is within the range of 25 - 35 EUR, only one hectare of agricultural land with adopted no-till practice can generate 58 - 81 EUR per year.

As more and more companies are targeting zero net emissions goals, the demand and therefore the price of carbon certificates is expected to increase over time. Moreover, as all HeavyFinance sustainability projects are verifiable and accurately track their actual carbon dioxide sequestration, the quality of our carbon certificates can be sold at a market premium, further increasing the return on investment. Read more on carbon certificate pricing in our blog and learn why HeavyFinance provides you with the best exposure to the carbon market.

Introducing an investment opportunity in viable agriculture. The farmer, who started farming in 2019, now manages a farm of 375 hectares, of which 4 hectares are his own.

The farm currently grows wheat, barley, oilseed rape and oats, and is actively planning to add a new crop, beet, to expand and diversify its production.

The entrepreneur's machinery fleet is not only varied, but also modern, with a Case tractor, a Farmet disc cultivator and seeder, a John Deere sprayer, a Kuhn spreader, a Razol cultivator, and other modern equipment. In addition, he rents an additional tractor and combine harvester to make all the work more efficient. The farmer has also purchased a truck for transporting grain.

The farm is growing rapidly, demonstrating not only a commitment to quality production, but also the potential to increase profitability and grow the business.

The funds provided by the investors will be used to fully pay for the new farm buildings purchased. The remainder will be used to increase working capital and expand the farm.

This is a unique opportunity to contribute to the development of this promising agriculture. The investment will not only help to improve the farm's infrastructure, but will also contribute to the long-term and efficient development of production. Be part of the future of agriculture - join us in this project!

The principal will be repaid by the farmer in regular instalments over the span of 5 years in accordance with the repayment schedule.

150,5 hectares of land are included in the Green Loan program. It is estimated that a total of 1 662 carbon certificates will be generated in 6 years (based on a conservative estimation). Consequently, investors will receive a portion of sales proceeds from every carbon certificate generated throughout the span of 6 years as the following terms;

It is expected that the first carbon certificates will be generated and sold in the fourth quarter of 2024. The exact return will depend on the amount of sequestered CO2 levels and the sale price of the carbon certificates.

If the farm withdraws from the Green Loan without a period of at least 6 years has elapsed, it undertakes to reimburse 11% annual interest.

CO2 emissions to be removed from the atmosphere because of this loan are equal to 4,3 million kilometres driven by an average gasoline-powered passenger vehicle.

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.