Item: InSoil
Rating: 0.0
Author: Crowdinform

Insoil is offering you to invest in sustainable farming and make returns up to 28.61% while reducing CO2 emissions.

InSoil is a European crowdfunding/financing platform that connects investors with agricultural loans to support farming businesses and the transition to sustainable, regenerative agriculture across several EU countries. Investors can fund secured loans to farmers, often backed by collateral such as land or machinery, with typical loan terms from about 6 to 48 months and target returns often in the low-to-mid teens (e.g., ~12–14 %) annually, but for some projects reaching.

InSoil also offers “green loans” tied to carbon credit generation, aiming to combine financial return with positive environmental impact where returns can reach +25%. The platform provides portfolio statistics, risk ratings, and project details to help investors make informed decisions, but capital and returns are not guaranteed and all investments carry risk, including default and liquidity risk. It operates under European crowdfunding regulations and is regulated by the Bank of Lithuania, offering some governance and transparency standards.

In summary, InSoil targets investors seeking impact-oriented, agricultural debt investments with potentially higher yields and ESG benefits, but it requires careful risk assessment and a tolerance for longer-term illiquidity.

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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.