InSoil Review 2026: Why It Earns 2.8 Stars
Secured agri loans with EU backing - but realised yields lag advertised rates by ~4.5 points
The 60-second version
InSoil - formerly HeavyFinance - is a Vilnius-based European Crowdfunding Service Provider that channels retail capital into secured agriculture loans across Lithuania, Poland and Romania. The platform holds an ECSP licence from the Bank of Lithuania, carries a EUR 20 million cornerstone investment from the European Investment Fund under the InvestEU programme, and advertises yields around 13 percent on farmland-collateralised working capital and climate-linked agri projects. Historical data shows realised returns running approximately 4.5 percentage points below advertised rates due to delays, partial recoveries and portfolio mix - a gap wide enough to drop the platform into the Worth Watching tier at 2.8 stars out of 5. Loans run 12 to 24 months with no secondary market, minimum investment sits at EUR 100, and auto-invest handles diversification. Investors accept agriculture-sector cycles, lock-up periods and the gap between advertised and realised yields in exchange for EU-backed climate-finance exposure.
How the five checks scored
Investor protection3.0 / 5
InSoil operates under a European Crowdfunding Service Provider licence granted by the Bank of Lithuania, which enforces disclosure standards, capital adequacy and operational conduct rules. The licence does not provide deposit insurance or buyback guarantees - investor capital remains at risk tied to individual farm-level loan performance. Collateral registers in Lithuania, Poland and Romania offer recovery routes on default, but agricultural land valuations can lag market prices and enforcement timelines stretch across harvest cycles. The EUR 20 million EIF cornerstone provides reputational weight but does not guarantee retail investor returns.
Delivery track record2.5 / 5
Historical realised returns have tracked approximately 4.5 percentage points below advertised rates - a material gap that signals delays, partial recoveries or portfolio composition effects. While the platform reports zero total capital losses to date, the yield divergence suggests workout periods, extended repayment schedules or interest concessions that reduce effective returns. Agriculture-sector borrowers face seasonal cash flows, weather risk and commodity price volatility - all of which can push repayment timing beyond original schedules.
Honest yields2.0 / 5
Advertised yields around 13 percent sit in the mid-teens for secured agriculture loans, but the ~4.5 point realised shortfall moves InSoil below peer benchmarks. The platform does not publish monthly realised-return data broken out by vintage or loan type, making it difficult for investors to model expected outcomes. The gap between advertised and realised returns - wider than industry norms - weighs heavily on this check.
Transparency3.0 / 5
InSoil publishes ECSP-mandated disclosures, loan-level collateral details and borrower profiles. The platform rebrand from HeavyFinance in 2024 brought updated materials but did not fully address the historical yield-gap question. Financial statements appear in Lithuanian company registers, showing positive operating trends but limited granular portfolio-performance metrics. ISO 27001 information-security certification adds procedural credibility.
Exit options3.0 / 5
No secondary market exists. Loans typically run 12 to 24 months, and investors must wait for scheduled repayments or maturity to recover capital. Early exit is not possible except in rare cases negotiated directly with borrowers. The illiquidity is standard for agriculture-sector loans but limits tactical portfolio adjustments.
What investors appreciate - and what gives them pause
Valued by investors
- ECSP licence from Bank of Lithuania provides regulatory oversight
- EUR 20 million EIF cornerstone signals institutional validation
- Focus on sustainable agriculture aligns with EU climate-finance priorities
- Farmland collateral offers tangible recovery routes on default
Points of caution
- Realised returns historically ~4.5pts below advertised rates
- No secondary market - capital locked for 12-24 months
- Agriculture-sector cycles introduce seasonal cash-flow risk
- Limited granular portfolio-performance disclosure
How investing works here
Open account and verify
Registration requires EU residency verification and identity documents. ECSP onboarding checks meet Bank of Lithuania standards. No upfront fees apply.
Browse loans or enable auto-invest
Each loan displays farm location, collateral value, borrower profile and loan term. Auto-invest spreads EUR 100 minimums across multiple projects by risk grade and sector.
Transfer funds and deploy
Bank transfer from a SEPA account. Funds clear in 1-2 business days. Manual or auto-invest allocation follows.
Receive repayments over loan term
Borrowers repay monthly or at harvest. Interest and principal flow to your InSoil wallet, available for withdrawal or re-investment.
Who it suits - and who should pass
Consider InSoil if you: understand agriculture-sector cycles, accept lower realised yields than advertised, value EU climate-finance alignment, can lock funds for 12-24 months, and want farmland-collateralised exposure outside traditional real estate.
Pass if you: need liquidity or secondary-market exit, expect advertised yields to match realised returns, want diversification beyond a single asset class, or prefer platforms with buyback guarantees.
Against the alternatives
| Check | InSoil | Profitus | Crowdpear |
|---|---|---|---|
| Stars | 2.8 | 3.1 | 3.5 |
| Asset class | Secured agri | RE development | RE development |
| Advertised yield | ~13% | ~10% | 10.6-14% |
| Realised gap | ~4.5pts under | Not disclosed | In line |
| Minimum | EUR 100 | EUR 100 | EUR 100 |
| Licence | ECSP (LT) | ECSP (LT) | ECSP (LT), ISO 27001 |
| Secondary market | No | No | No |
| Auto-invest | Yes | Yes | No |
Profitus and Crowdpear focus on real estate development rather than agriculture, offer narrower yield-gap histories, and carry higher star ratings. InSoil suits investors who specifically seek farmland-collateralised climate-finance exposure and accept the sector's repayment volatility.
Frequently asked questions
InSoil holds a European Crowdfunding Service Provider (ECSP) licence from the Bank of Lithuania, which enforces disclosure standards and operational rules. The platform does not offer buyback guarantees, and no compensation scheme covers borrower defaults - investor capital remains at risk tied to farm-level loan performance.
Historically, InSoil investors earned returns approximately 4.5 percentage points below advertised rates due to delays, partial recoveries and portfolio mix. While the platform advertises around 13 percent, realised returns have tracked closer to the mid-to-high single digits for diversified portfolios.
InSoil focuses exclusively on secured agriculture loans - farmland collateral, working capital for sustainable farming, and climate-linked projects - rather than residential or commercial real estate. The platform benefits from a EUR 20 million cornerstone investment from the European Investment Fund under the InvestEU programme.
No. InSoil does not operate a secondary market. Loans typically run 12 to 24 months, and investors must wait for scheduled repayments or loan maturity to recover capital. Early exit is not possible except in exceptional circumstances negotiated with the borrower.
InSoil suits investors who understand agriculture-sector cycles, accept lower realised yields than advertised, value EU climate-finance alignment, and can lock funds for 12-24 months. Pass if you need liquidity, expect advertised yields to match realised returns, or want diversification beyond a single asset class.
The verdict: 2.8 stars - worth watching, not yet a core holding
InSoil earns 2.8 stars out of 5 for combining ECSP licensing, EUR 20 million EIF backing and sustainable-agriculture focus with a material gap between advertised and realised yields. The platform suits investors who specifically seek farmland-collateralised climate-finance exposure, understand agriculture-sector repayment cycles, and accept lower realised returns than advertised rates. The absence of a secondary market, limited granular performance disclosure and the ~4.5 point yield shortfall keep InSoil in the Worth Watching tier rather than among editors' favourites. Investors who need liquidity, expect advertised yields to match outcomes, or want diversification beyond a single asset class will find better fits in the 3.5-star-and-above group. InSoil remains a legitimate ECSP-licensed option for patient capital targeting EU climate-finance themes - but only after understanding the historical yield gap and accepting illiquidity for the full loan term.
Capital at risk. P2P lending returns are never guaranteed. No compensation scheme covers borrower defaults. This review reflects our editorial opinion as of January 2026 and will be refreshed monthly. See how we rate.