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About the farm

We invite you to invest in a promising horticulture farm that is successfully operating and growing.

The farm was established in 1998 and currently declares 233.41 ha of land, of which 124.06 ha are, according to the farmer, personal property.

The farm grows wheat, triticale, rapeseed, and peas, which ensure versatile and high-quality production. The farmer is assisted by 3 workers on the farm (1 works on the farm, 2 drivers work with tractors).

The technical park of the farm consists of all necessary equipment for the cultivation and harvesting of grain crops.

The loan funds will be used for the purchase of a truck with a crane and the down payment for the purchase of a farm building. These investments will help to increase the profitability of the farm. The farmer participates in the HeavyFinance carbon program.

Join us in helping to further develop this promising farm while ensuring its growth and development.

Main Terms

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

124 hectares of land are included in the Green Loan program. It is estimated that a total of 1455 carbon certificates will be generated in 6 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 43000 EUR * 11% * 6 year = 28380 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): 13,75% IRR*

Today's scenario (€35 per carbon certificate): 21,86% IRR*

Optimistic scenario (€100 per carbon certificate): 48,98% 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.