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About the farm

We invite you to invest in a farmer who is committed not only to high-quality production but also to sustainable agriculture.

The farmer, who has been farming since 2003, is currently successfully working on 90 hectares of land, of which 60 hectares are his own. The farm grows wheat, buckwheat, oats, and peas.

The farmer uses the no-till farming method on his farm and plans to expand his farm in the future by increasing the size of the farmland.

The farm's machinery fleet consists of 2 modern tractors, an excavator, a high-performance combine harvester, and other necessary equipment to ensure efficient field management and quality of the harvest.

The farm is currently borrowing to refinance an existing loan, aiming to reduce monthly expenses and accelerate growth. Join us to help further develop this farm while ensuring its growth and expansion.

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.

54 hectares of land are included in the Green Loan program. It is estimated that a total of 601 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;
60% of income received during the loan period;
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 22700 EUR * 11,5% * 5 year = 13052,5 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): 14,59% IRR*
Today's scenario (€35 per carbon certificate): 24,11% IRR*
Optimistic scenario (€100 per carbon certificate): 59,46% 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."