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 HeavyFinance platformoje, jūs paskolinate pinigus ūkininkams, o vietoje palūkanų gaunate dalį grąžos iš aukštos kokybės anglies taršos sertifikatų pardavimo tarptautinėje savanoriškoje anglies dioksido rinkoje.
-6,399,840 kg CO2e

LT0002443

Tikslas
71,600 €
Surinkta
71,600 €
100%
Palūkanų dydis
21.37%
Reitingas
B+
Periodas
34
Liko laiko
LTV
60%
Šalis
Lithuania
Paskolos tikslas
Equipment purchase
Verslo informacija
Apsaugos priemonės
Paskolų istorija
Projekto savininkas Adresas
Xxxxxx Xxšxx Xxxxxxšxxxxčxxxė
Xxxxxėžxx x., Xxxžxx xxx., Xxūxxxė
header_1 Deklaruotas plotas Nuosavas plotas
Farming land301.91 ha100.00 ha
20232022
Pajamos 447,912.00 € 354,890.00 €
Grynasis pelnas 15,339.00 € -6,478.00 €
Nuosavo kapitalo santykis 29.54% -
Projekto aprašymas
Dokumentai
Mokėjimo grafikas

About the farm

This project gives the HeavyFinance investor community the opportunity to finance a Lithuanian crop farm. The owner of the project has almost two decades of experience in the agricultural sector. She operates a 301.91 ha farm in the Panevėžys region, growing spring and winter wheat, rapeseed and peas.

The farm's current fleet of heavy machinery consists of three tractors, a sprayer, a cultivator, a sowing machine, a combine harvester, a telescopic handler and other equipment necessary for a successful farm operation. With this project, it seeks a loan for the purchase of a combine harvester. The land is cultivated using no-till technology.

This is not the farmer's first project on the HeavyFinance platform - in total, the project owner has had 7 active contracts. She has applied for a Green Loan which will be used for the purchase of a combine harvester.

Declared land area is 301.91 ha of which 100 ha belong to the project owner.

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.

200 hectares of land are included in the Green Loan program. It is estimated that a total of 1564 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;
(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 71600 EUR * 13% * 4 year = 37232 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): 13,30% IRR*
Today's scenario (€35 per carbon certificate): 21,37% IRR*
Optimistic scenario (€100 per carbon certificate): 48,58% 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.