Invest

Climate Loan 2026 - III

The Climate Loan
Climate-positive Chocolate
Good for the Planet & You

Already drawn
0%
0 €of 99.000,00 € of the climate loan

Interest rate and term

6.10% interest

per year

June 30, 2036

End of term

Here's how it works

Fill out form

We will create a personalized contract using your data.

Sign

Print out the contract in duplicate and sign both copies. Then, please send us both copies by mail.

Deposit

Once we have countersigned the contract, we will send it to you along with a payment request. Please then transfer the amount to the account we provided.

Interest Payment

For every €1,000 you lend us today, you will receive €61.50 in interest each year until repayment begins.

Repayment

Repayment begins on 01/01/2031 and will be made in 12 installments (2 payments per year on 01/01 and 30/06) until the end of the term (30/06/2036). From January 2031, you will therefore receive a constant payment consisting of interest and repayment (a so-called annuity) of €102.00 per €1,000 invested.

In the end, for every €1,000 you invest, you will receive €1,477.58 back.

You can find an example of the repayment plan here.

Organic Cocoa from Dynamic Agroforestry

fairafric can, in the long term, store up to 3x more CO2 in the soil than is emitted throughout the entire value chain.

Above is a picture of a DAF farm from our partner Serendipalm.

(Copyright: Courtesy of Serendipalm and Dr. Bronner’s)

The huge advantages of DAF

Climate positivity

Once fairafric sources cocoa from DAF farms, the carbon footprint of each chocolate bar is stored 4 times in the soil.

Farm income

By cultivating other cash crops such as mangoes, avocados, and coconuts, farmers can significantly increase their income.

Soil quality

The farm will become more resilient to pests, diseases, and climate change, and the soil quality will be improved in the long term.

What has already been achieved

Fairafric purchased the first quantities of organic cocoa from DAF in 2024. In 2025, this volume was significantly expanded.

Over 500 cocoa families are already participating in the DAF initiative.

fairafric's Path to Climate Positivity

Since 2020, our chocolate factory has been located in rural Ghana

It is the world's first solar-powered organic chocolate factory

#roadtoclimatepositive: How can the impact be increased?

Pre-financing

fairafric pre-finances our cooperative. A task that the Ghanaian government used to take on, but can no longer afford, partly due to the high cocoa prices.

Pre-financing is the most important factor in enabling income stability for cocoa families.

Organic premiums

fairafric pays the highest organic premium in West Africa:

For one ton of organic cocoa from dynamic agroforestry, cocoa families receive $1,042 (more than four times the Fairtrade premium).

The premium is set jointly with the cocoa families each year.

Reforestation

Together with our cooperative Serendipalm, we are committed to ensuring that even more farms switch to DAF and that regions are reforested.

Over 500 cocoa families are already part of the DAF initiative.

Training

A team of experts supports the cocoa farming families and helps them implement rainforest principles in their cultivation, increase yields and improve soil fertility.

Diversification of income

Together with our cooperative Serendipalm, we promote the cultivation of other cash crops such as pineapple, mango, and cashew. fairafric connects cocoa families with processors for these fruits and purchases them for its own production.

Made in Ghana for the whole world

fairafric products can be found on 5 continents, and demand continues to grow rapidly.

To the products

Frequently Asked Questions about fairafric

Frequently Asked Questions about the Climate Loan

What is the difference between DAF and conventional cocoa

The Management Team in Ghana

Michael Marmon-Halm

Managing Director Ghana

Michael brings over 12 years of experience in Ghana's cocoa industry and has a degree in quality management.

Griselda Esther Ossei

Supply Chain Manager

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

Elvis Dasi-Kisseh

Operations Manager

Elvis leads the Operations department (production, engineering, logistics) at fairafric and has over 10 years of experience in the cocoa industry.

Audrey Marmon-Halm

Quality Manager

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

The Management Team in Germany

Hendrik Reimers

Founder & CEO

Hendrik achieved many successes in international software sales before founding fairafric.

Jonas Schaller

CFO Germany

Jonas has several years of experience in controlling and finance, particularly in an international context.

Convinced?

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

Then enter your details in the following form for our Climate Loan:

Let's revolutionize the world of chocolate together!