WHAT AM I ABOUT TO INVEST IN

The Company BM Impianti S.r.l., as "EPC" (Energy Procurement Construction), is applying for a minimum loan of 100,000€ (with a maximum of 500.000€) for the construction and development of a 1.4 MWp ground-mounted photovoltaic plant located in Fabriano, in the Province of Ancona.

The plant, from a technical point of view has been divided into two:

• A 1 MW part for which a Renewable Energy Community will be built. As per recent regulatory provisions (March 2025), the 40% non-refundable subsidy has been extended to municipalities below 30,000 inhabitants (compared to the previous limit of 5,000 inhabitants).
• A 400kW part that will feed energy directly into the grid.

The plant will allow the production of 2,310,000 kWh annually of energy from renewable sources, useful in the process toward energy transition. The authorization process is through "PAS" - Procedura Abilitativa Semplificata at the Municipality of Fabriano, since it is classified as land for industrial use.

To mitigate the visual impact of the planting, a shrub hedge will be inserted along the perimeter adjacent to the road.

In the project, 2214 monocrystalline silicon modules with a power output of 635 W are planned for a total DC capacity of 1405.89 kWp.

HOW SUCH PLANTS ARE DEVELOPED

Below are the extremely simplified steps to complete a renewable energy project, in this case a photovoltaic system.

The longest and most complex phase is the authorization process, which varies greatly depending on the region where the authorization is requested. However, the new Simplification Decree (which can be found here ) has streamlined some authorization procedures for all plants under 10 MW.

Qualitative scoring and financial scoring

ENERSCORE+ & EASYSCORE EXPERT INTEGRATED

Ener2Crowd provides an initial qualitative parameter called "EnerScore+", which is assigned to each individual investment proposal. This parameter defines a SCORING system that objectively, comprehensively, and understandably summarizes all the data characterizing the project from a technical perspective, including an ESG evaluation expressed in CLASSES and a verification of the activated SDGs (Sustainable Development Goals) parameters.

A specific Financial Rating called "Easyscore Expert Integrated" is provided, resulting from the credit analysis conducted by the company EasyFintech, which assesses the reliability and solidity of the creditworthiness of the Project Owner company. EasyFintech S.r.l. is a company that operates as a commercial information reseller with a License under art. 134 TULPS issued by the Milan Prefecture, protocol no. 14795/12B15E dated 31/01/2020.

For the project proposed by the company Hydro Clean S.r.l., the resulting EnerScore+ is 10.22, which corresponds to an ENERSCORE+ BBB , while the Easyscore Expert Integrated, through the Autonomous Guarantee, is classified as LEVEL 4 - SOLVENCY.

Qualitative Scoring – EnerScore+
Elements analyzed:

• Clarity of project objectives and comprehensibility of descriptions;
• Strategic significance of the project;
• Project business plan;
• Clarity of information;
• Technical-project verification;
• Evaluation of the honorability of the Project Owner’s team;
• Historical background and platform experience of the Project Owner, including, if applicable, a track record of timely payment of installments;
• Consistency of the crowdfunding project with the platform’s purposes and mission, particularly in terms of environmental sustainability, innovation, positive territorial impact, service ethics, and social impact;
• SDGs activated by the project;
• ESG report issued by Cerved Rating Agency.

Financial Scoring – Easyscore Expert Integrated
(Data not available for this project as it is a recently established company)

Elements considered for calculating the Easyscore Expert Integrated Report – (classes from 1 to 10 with a score of 0 - 100) compiled by EasyFintech S.r.l.:

• Company structure, ultimate beneficiaries, and reputational analysis;
• Analysis of company executives and associated entities;
• Last three filed financial statements;
• Financial scorings (Crif, CriBis, CeBi, Cerved, Dun & Bradstreet);
• Analysis of InfoCamere databases
• Possible bad news concerning company owners and administrators
• Possible registrations and/or prejudicial transcripts concerning the Project Owner, controlling shareholders, and corporate executives
• Statistical methodologies based on Artificial Intelligence, Machine Learning, and Data Analysis;
• Commercial reliability scoring;
• Bank of Italy Central Risk Database analysis.

NOTE: It is specified that these values represent only an element of consideration that an investor may take into account when deciding to participate in the financing.

INTEREST RATE DEFINITION

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