Insoil (ex., HeavyFinance) operates as a pure marketplace for agricultural loans. It connects small and medium agricultural enterprises with a global retail investor community.

Natural persons and legal entities can begin investing from only €100 in loans backed with agricultural land and heavy equipment. Our community of more than 1100 investors has already invested €52 million in agricultural loans and earned over €6 million in interest.

Insoil originates agricultural loans in Portugal, Poland, Lithuania, Latvia, and Bulgaria with an aim to open one more major market in 2023.

Basic information

11198 investors

1789 projects funded

52731432.0 EUR funded amount

License/regulation: Insoil licensed under European Crowdfunding Service Providers (ECSP) regulation

For Investors

Minium investment: 100 EUR

trending_down Default Rate: 11.45%

Average Returns: 12.97 %

Reward

Bonus 2% up to 1,000 €

You will be rewarded based on the amount you invest in the first 30 days on InSoil up to 1,000 €. Just click Get a bonus" button!

Get a bonus

Useful Information

How does InSoil (ex.HeavyFinance) work?

InSoil operates as a crowdfunding/ crowdlending platform focusing on agricultural loans.

InSoil connects people who want to invest money and farmers who need funding to develop their businesses.

Farmers are posting their projects on HeavyFinance, if the project meets the criteria it becomes available for investors to invest. As a result, investors receive fixed income in the form of interest for their money and farmers gain alternative funding sources for business development.

What investments does InSoil (ex. HeavyFinance)offer?

On InSoil, investors can invest in agricultural loans starting from 100 EUR. Loans are issued to farmers from Lithuania, Latvia, Poland, Portugal, and Bulgaria.

Loans are mainly issued for funding land acquisition, machinery purchase, and green loans*.

*Green Loans open up the rapidly growing carbon credits market to retail investors by generating returns through the sale of carbon certificates generated from European farmlands.

What is a risk when investing on InSoil (ex.HeavyFinance)?

Investors are providing loans to businesses thus they should focus on two main risks. First, will the borrower be able to repay a loan from its operational activity? Should be mentioned that agricultural businesses are not easy to evaluate it is mostly seasonal, depend on subsidies, prices for products are volatile, and ofcourse weather plays a crucial role. The current default rate is above 12%.

The second factor is collateral. All loans are secured with additional assets so you have to understand in case of default will value of assets be sufficient to cover your loans.