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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.
-1,391,964 kg CO2e
PL0002608
Tikslas
19,500 €
Surinkta
19,500 €
Palūkanų dydis 
22.9%
Reitingas
B+
Periodas
48
Liko laiko
LTV
50%
Šalis
Poland
Paskolos tikslas
Investment to increase production
Verslo informacija
Apsaugos priemonės
Paskolų istorija
| Projekto savininkas | Adresas |
|---|---|
| header_1 | Deklaruotas plotas | Nuosavas plotas |
|---|---|---|
| Farming land | 43.50 ha | 23.00 ha |
| 2024 | 2023 | |
|---|---|---|
| Pajamos | 141,807.00 € | 116,621.00 € |
| Grynasis pelnas | - | - |
| Nuosavo kapitalo santykis | - | - |
Projekto aprašymas
Dokumentai
Mokėjimo grafikas
About the farm
The farmer has been running the farm since 2017.11.06, which he took over from his parents, 23 ha. He currently has 43.5 ha, including 20.5 ha leased. He produces milk on the farm. He has 75 cattle, including 40 dairy cows, 28 heifers and 8 calves.
The farmer runs a sowing structure of 10.5 ha rye, 10 ha rape, 13.70 ha grass, 1.3 wheat, 8 ha corn.
The farm uses the following machines:
-Maccormic X4.50 2018 tractor
-McHale F5500 2020 R baler
-Talex 2022 silage wrapper
-Pronar 2021 trailer
-Talex 2018 rake
-Talex 2020 hay spreader
-HMS 2019 fertilizer seeder
-Polog 2021 feeder wagon
In the next 5 years, the farmer intends to increase the area of arable land on the farm to 50 ha. He plans to increase the herd of dairy cows to 60.
He intends to use the money from the loan to purchase dairy cows.
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.
44 hectares of land are included in the Green Loan program. It is estimated that a total of 440 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 19500 EUR * 12% * 5 year = 11700 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): 14,37% IRR*
Today's scenario (€35 per carbon certificate): 22,92% IRR*
Optimistic scenario (€100 per carbon certificate): 51,31% 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.