Invest

Klima-Darlehen

The climate bond
Climate-positive chocolate
Good for the planet & you

0
0von 99.000,00 € des Nachrangdarlehens 2025

Interest and maturity

6,75% Zinsen

pro Jahr

31.12.2032

Ende der Laufzeit

How it works

Fill out form

We create a personalized contract with your data.

Sign

Print out the contract twice and sign both copies. Then please send us both copies by post.

Payment

As soon as we have countersigned the contract, we will send it to you with a request for payment. Please transfer the amount to the account we have specified.

Interest payment

For every 1,000€ you lend us today, you will receive 67.50€ in interest every year until repayment begins.

Repayments

Repayment begins in January 2028 and is made in 10 installments (2 payments per year in January and July) until the end of the term (July 2032). From January 2028, you will therefore receive a constant payment consisting of interest and repayment (an annuity) of 121.13€ per 1,000€ invested.

In the end, you will receive 1,355.74€ back for every 1,000€ you invest.

You can find an example of the repayment plan here.

TEst

Organic cocoa from Dynamic Agroforestry

In the long term, fairafric can store up to 4x as much CO2 in the soil as is emitted in the entire value chain.
A picture of a DAF farm of our partner Serendipalm.
(Copyright: Courtesy of Serendipalm and Dr. Bronner's)

The huge advantages of DAF

Climate positivity

As soon as fairafric sources the cocoa from DAF farms, the CO2 footprint of each bar of chocolate is stored 4x in the ground.

Farmer income

Farmers can significantly increase their income by growing other crops such as mangoes, avocados and coconuts.

Soil health

The farm becomes more resilient to pests, diseases and climate change, and the quality of the soil is also improved in the long term.

The road to climate positive of fairafric

Climate-positive means that more climate-damaging emissions (e.g. CO2) and impacts are bound than caused.

The aim of fairafric is to leave the earth in a better condition than it was before our activities. We are not only concerned with CO2, but also with soil fertility, water retention, maximising plant and animal biodiversity, resilience to climate change and the production of healthy products, among other things.

The Dynamic Agroforestry (DAF) cultivation method is based on the knowledge of the indigenous peoples of Latin America and combines many elements of regenerative agriculture or permaculture. The plants are grown in different levels (shrubs, half-stems, etc.) of the forest and different local tree species are planted: Crop trees, biomass trees, shade trees, etc. One of the main objectives is to produce a lot of biomass to improve soil quality. Therefore, not only cocoa is grown, but also other tree and plant species such as cashew, mango, pineapple, etc., which can be processed by Fairafric. The production of biomass binds a large amount of CO2 in the long term. Significantly more than is emitted in Fairafric's entire value chain.

fairafric emits significantly fewer emissions than other chocolate manufacturers thanks to its own solar-powered factory. Nevertheless, unavoidable emissions (e.g. in logistics) are caused. So far, these have been offset by supporting climate projects in West Africa. However, our main goal in our own value chain is to leave the environment better than we found it. That is why we will be sourcing our cocoa from a dynamic agroforestry (DAF) project in Ghana from 2024. According to initial external analyses by experts, fairafric can bind 4x as much CO2 in the soil in the long term as is emitted in the value chain!

Cocoa is one of the most important cash crops in West Africa. Due to a lack of alternatives and in order to generate an income for the family, an area is often cleared and then as many cocoa trees as possible are planted on the piece of land. After a few years of intensive cultivation, the nutrient reserves in the soil are exhausted and a high use of artificial fertilisers and pesticides is necessary. In Ghana, conventional cocoa cultivation is responsible for the deforestation of 25% of the rainforest.

Deforestation of the rainforest releases large amounts of CO2. The cultivation of monocultures and the massive use of pesticides also worsens soil quality and less water and carbon can be absorbed. Ongoing climate change, in turn, is leading to drastic changes in weather conditions and an increase in climate disasters. As cocoa trees in conventional cultivation are significantly less resilient, there are already crop failures in conventional cocoa, while yields are hardly affected by regenerative cultivation methods such as DAF, as the plants are healthier and highly resilient.

The cacao tree is a shade plant. This means that the cocoa tree needs larger trees (e.g. palm trees) above it to provide shade and help it to grow and thrive optimally. At DAF, care is therefore taken to ensure that the trees and plants stand next to the cocoa trees, provide sufficient shade and supply the nutrients that the cocoa tree needs. The greatest possible diversity of plants is necessary for this symbiosis. This symbiosis promotes biodiversity, increases the yield per tree, increases soil fertility and the water storage capacity of the soil and the biomass trees actively store CO2 in the soil.

In initial analyses, external experts have determined that by
storing the biomass in the soil, fairafric can store up to 4x more CO2 in the
soil in the long term than is emitted in the entire value chain.

Through our new Visitor Center, we also want to give our customers the opportunity to get a deep look into our operations. The factory visit will be combined with a visit to our farmer communities, all in one day! Unique in the world!

1. higher cocoa premium
In addition to the highest organic premium (692$/MT) in West Africa, fairafric pays farmers a climate premium of 150$/MT. This is a multiple of the regular organic premium or other certifications such as Fairtrade.

2. diversification of income
The cultivation of several crops helps to diversify income and makes it possible to earn an income outside the cocoa harvest season.

3. better soil quality & resilience to climate change
By improving soil fertility and other benefits of DAF for the soil, the plants become significantly stronger and more resistant to environmental influences. In addition, the soil quality increases the quality and yield of the fruit. This means that the land can be cultivated naturally in the long term and sustainably.

In 2020, our chocolate factory opened in rural Ghana

Unsere globale Vision

Use business to end poverty

Unsere Mission

10.000 klimafreundliche Arbeitsplätze in Afrika schaffen

Unsere Werte

impactorientiert, transparent, respektvoll, umweltbewusst, visionär

Dein Investment in die SDGs

Wir erzielen enorme Wirkung in 7 von 17 SDGs in allen Dimensionen der Nachhaltigkeit.

Referenz fairafric AG

Weinrich Cord Budde Fairafric

Cord Budde

Eigentümer Ludwig Weinrich

,,Wir waren einer der ersten Produzenten von Bio & Fairtrade Schokolade in Deutschland. Ich sehe eine ähnlich gute Zukunft für Made in Africa."

Weinrich produziert die Marken Vivani, GEPA, iChoc, Devine und viele mehr. Am Unternehmens Sitz in Herford werden täglich mehr als 1 Millionen Tafeln produziert.

Seit 2019 ist Weinrich bei fairafric als Strategischer Investor beteiligt. Weinrich hat dieses Jahr ihr Investment bei fairafric stark ausgebaut.

Weinrich bildet zudem unser ghanaisches Schlüsselpersonal im Zuge eines Trainingsprogramms aus und unterstützt uns beim Betrieb der Fabrik.

Marie Claire Pellerin Fairafric

Marie-Claire Pellerin

CEO Claro Fair Trade AG

,,fairafric wird den fairen Handel prägen. Denn nur so kann eine gleichberechtigte Wirtschaft entstehen."

Die claro Fair Trade AG ist die Schweizer Organisation des fairen Handels und hat rund 60 Verkaufspunkte für fair gehandelte Produkte.

Seit 2019 ist Claro bei fairafric als Strategischer Investor beteiligt. Claro hat dieses Jahr ihr Investment bei fairafric stark ausgebaut.

Claro übernimmt für fairafric den Vertrieb in der Schweiz.

Rudiger Daetz von Fairafric

Wolf-Rüdiger Daetz

Aufsichtsratsvorsitzender fairafric AG

,,Ich sehe in fairafric ein enormes Wachstumspotenzial und bin überzeugt, dass das Geschäftsmodell einen neuen Branchenstandard setzen kann."

Wolf-Rüdiger Daetz hat 30 Jahre Erfahrung als CFO im Bereich internationaler Industrie mit lokalen Einsätzen in Asien, Europa und Mittelamerika. Er ist überzeugter Impact Investor bei fairafric und Schokoladenliebhaber.

Seit 2022 ist er zudem Aufsichtsratsvorsitzender bei fairafric.

Häufige Fragen zu fairafric

2015
Erste offizielle Treffen zwischen Hendrik und Kakaofarmer*innen und Kakaoverarbeiter*innen in Ghana.

2016
Erste Kickstarter Kampagne
Gründung fairafric GmbH
Erste Produktion

2017
Zweite Kickstarter Kampagne
Erfolgreiche Bio-Zertifizierung der gesamten Wertschöpfungskette
Start der Zusammenarbeit mit Yayra Glover Ltd.
Umstieg von 20g Tafeln auf 100g Tafeln

2018
Dritte Kickstarter Kampagne
Zertifizierung Klimaneutral (sowohl Schokolade als auch Unternehmen)
Gründung fairafric Stiftung, die Anteile an der fairafric GmbH für Kakaofarmer*innen hält
Erste Seedrs Kampagne (Seedrs ermöglicht es Startups, ihre Kundschaft als Anteilseigner*innen zu gewinnen), in der sich 264 Privatpersonen an fairafric beteiligt haben

2019
Beschluss, eine größere Schokoladenfabrik in Eigenregie zu bauen: Auf dem Land der Kakaokooperative, mit der wir zusammenarbeiten, in der ländlichen Region, wo auch die Kakaobohnen wachsen.
Anstieg der Anteilseigner*innen auf 360; Einstieg von Ludwig Weinrich und claro fairtrade AG in die fairafric Familie
Gewinn des Lammsbräu Nachhaltigkeitspreises

2020
Bau unserer neuen Schokoladenfabrik in Amanase. Rekordverdächtige Bauzeit von 5,5 Monaten von Spatenstich bis zur ersten Tafel.

2021
Aus der fairafric GmbH wird die fairafric AG. Innerhalb von 3 Tagen ist die erste Wandelanleihe mit 990.000€ vollgezeichnet und bereits innerhalb von 24 Stunden ist die erste Aktienemission über 999.589,80€ von fairafric ausverkauft. fairafric kauft 250 Tonnen Kakaobohnen für die Produktion in 2021 und bezahlt hierbei die höchsten Prämien in Westafrika. fairafric jagt außerdem in 2021 von Rekord zu Rekord. fairafric übertrifft den Vorjahresumsatz um mehr als das doppelte und produziert über  2.000.000 Tafeln Schokolade.

2022
Nach einem herausragenden ersten Quartal in 2022, verhindern die makroökonomischen Schocks
ein weiteres Wachstum von fairafric. Doch während viele andere Marken mit
Umsatzrückgängen und Auslistungen zu kämpfen haben, bleibt fairafric in allen
Märkten präsent und gewinnt stark an Marktanteilen.

fairafric erreicht zudem das Finale des Deutschen Nachhaltigkeitspreis 2022 und wird als eines der nachhaltigsten Unternehmens Deutschland ausgezeichnet.

2023
fairafric steigt mit einer eigenen Schokoladendrops-Linie in das B2B-Geschäft ein. Die Schokoladentropfen werden unter anderem von Großbäckereien oder Keksherstellern in ihren Produkten verwendet und die Anlage läuft bereits nach kurzer Zeit rund um die Uhr.

fairafric bringt eine vegane Milchschokolade auf Cashew-Basis auf den Markt, die ein voller Erfolg wird und sich zu einem der meistverkauften Produkte entwickelt.

fairafric erhält die ersten größeren Aufträge für Auftragsproduktionen und startet die Produktion für den ersten Kunden in den USA.

2024
fairafric bezieht die ersten kleineren Mengen Kakao von Serendipalm aus Dynamischen Agroforst.

The owners of fairafric are the founding team, our 1244 shareholders from the customer base, Ludwig Weinrich GmbH and claro fair trade AG, Third Way Capital a Ghanaian impact investor as well as our team and the cocoa farmers of our partner cooperative.

In 2024, we will source organic cocoa from a dynamic agroforestry project in Ghana for the first time to achieve even greater ecological added value and pay the highest organic premium to our farmers.

In addition, fairafric wants to promote the planting and conversion of further farms to DAF and increase the yields of existing DAF farms.

Every euro invested binds CO2 in the soil in the long term and creates jobs in Ghana!

Ab Ende 2025 werden wir operativ voraussichtlich profitabel arbeiten. Da wir mit dem Umstieg auf Bohnen aus Dynamischen Agroforst einige Anlaufkosten haben und unsere Zutatenlager und Zwischenlager erheblich ansteigen müssen, um das anstehende Wachstum zu ermöglichen, kalkulieren wir bis dahin mit einem Minus.

Through our new Visitor Center, we also want to give our customers the opportunity to get a deep look into our operations. The factory visit will be combined with a visit to our farmer communities, all in one day! Unique in the world!

Häufige Fragen zum Nachrangdarlehen

For every 1,000€ you lend us today, you will receive 67.50€ in interest every year.

Repayment begins in January 2028 and is made in 10 installments (2 payments per year in January and July) until the end of the term (July 2032). From January 2028, you will therefore receive a constant payment consisting of interest and repayment (an annuity) of 121.13€ per 1,000€ invested.

In the end, you will receive 1,355.74€ back for every 1,000€ you invest.

You can find an example of the repayment plan here.

Die Kampagne läuft so lange, bis 999.000€ gezeichnet wurden.

Die erste Klima-Anleihe von fairafric, ist innerhalb kurzer Zeit ausverkauft gewesen. Daher gehen wir davon aus, dass es schnell zu einer Vollzeichnung kommt. Wir bearbeiten die Zeichnungen nach deren Eingangszeitpunkt.

We do not share information about our investors with any tax office. You simply declare the interest received on your tax return.

If you want to lend us money interest-free, write us a short e-mail. Of course, this is also possible and supports us even more.

Since the loan is issued unsecured, it can come to the total loss of your investment.

Therefore, do not invest money that you absolutely need.

What is the difference between DAF and conventional cocoa

Das Management Team in Ghana

Michael Marmon-Halm

Managing Director Ghana

Michael has more than 12 years of experience in the cocoa industry in Ghana and has studied quality management.

LinkedIn

Griselda Esther Ossei

Chief of Staff

Griselda brings a lot of experience in accounting and supports in strategic planning and implementation around the fairafric brand, marketing, HR and operations in Ghana.

LinkedIn

Henry Langma

Operations Manager

Henry is in charge of operations (production, technology, logistics) at fairafric and has already successfully set up several cocoa processing factories in Ghana.

Audrey Marmon-Halm

Quality Manager

Our Quality Manager Audrey has 11 years of professional experience in quality control and quality assurance.

LinkedIn

Das Management Team in Deutschland

Hendrik Reimers

Founder & CEO

Hendrik has celebrated many successes in international software sales before founding fairafric.

LinkedIn

Jonas Schaller

CFO Germany

Jonas brings several years of experience in controlling and finance, especially in an international context.

LinkedIn

Convinced?

Would you like to be part of the biggest chocolate revolution of all time and make the first climate-positive chocolate possible with your investment?

Then sign up for our climate bond using the form below:

Let's revolutionize the chocolate world together!