InSoil Review 2026: EIF-Backed Agri Lending With a 4.5pt Yield Gap

The 60-second version

InSoil holds an ECSP licence from the Bank of Lithuania, which enforces conduct rules but carries no compensation scheme. The platform emerged from the rebrand of HeavyFinance in 2020 and focuses on secured agri and green loans. The European Investment Fund has committed EUR 20 million as a cornerstone investor, which adds institutional credibility. InSoil advertises yields around 13%, but realised returns have historically run approximately 4.5 percentage points below advertised - meaning investors have earned closer to 8.5% after defaults, delays and collection costs. The platform targets climate-aligned projects and operates under ISO 27001 information-security standards. We grade it C because the yield-reality gap and weak delivery track record outweigh the licence and EIF backing. Your capital is at risk, no scheme covers borrower defaults, and the advertised figure is not what you should expect to earn.

How the grade breaks down

We evaluate five weighted checks. InSoil scores below average on delivery and yield reality, which drag the grade to C despite a valid ECSP licence and EIF institutional involvement.

InSoil holds an ECSP licence from the Bank of Lithuania. That licence enforces conduct rules, disclosure standards and fit-and-proper management checks, but it carries no compensation scheme. If borrowers default, you bear the loss. The platform operates under ISO 27001 information-security standards, which reduce operational risk. The EIF EUR 20 million commitment demonstrates institutional validation and adds a professional co-investor to the platform, which can improve workout discipline. However, the ECSP licence does not protect your capital, and agri collateral can be illiquid or difficult to recover in stressed markets.

This is where InSoil loses significant ground. Realised returns have historically been approximately 4.5 percentage points below advertised yields. If the platform suggests 13%, investors have earned closer to 8.5%. That gap is not a rounding error; it is the difference between a competitive return and a near-miss. The platform has been operating since 2020 under the InSoil brand (following the HeavyFinance rebrand), which gives some runway, but the delivery record does not yet show that the advertised figure is what you will actually earn. Agri loans carry seasonal and commodity-price risk, and recovery on secured assets can be slow.

InSoil advertises yields around 13%. Realised performance has been approximately 4.5 percentage points lower. That is a material gap, and it recurs across vintage years. Agri loans can experience payment delays tied to harvest cycles, commodity prices or weather events. Recovery on secured machinery or land rights is not instant, and workout costs eat into gross returns. The platform does not publish a net-realised-return figure that adjusts for all defaults and collection costs, so you must price the gap yourself. We flag this as a significant yield-reality issue, and it is why the platform lands on the Watchlist rather than the Green list.

The platform emerged from the HeavyFinance rebrand in 2020. The European Investment Fund has committed EUR 20 million as a cornerstone investor, which brings institutional co-investment and professional oversight. That relationship is disclosed and adds credibility. Ownership concentration and related-party transactions are not flagged as red-flag issues in public disclosures. The ISO 27001 certification demonstrates operational discipline. However, the platform is young, and agri-lending models can carry lumpy performance tied to sector-specific shocks.

No secondary market is currently available on InSoil. Agri loans typically have multi-year tenors, and you are locked in until maturity or repayment. Early exit requires selling your claim privately or waiting for the loan to pay off. That illiquidity is priced into the advertised yield, but it means you cannot react quickly to personal liquidity needs or platform-level concerns. Agri collateral can be slow to liquidate in stressed scenarios, which extends workout timelines.

How investing works here

This platform fits you if

• You want exposure to agri and green loans with a climate-aligned investment thesis.
• You accept illiquidity - no secondary market, locked in until maturity.
• You price the yield-reality gap into your expectations: advertised 13%, expect closer to 8.5%.
• You value the EIF EUR 20 million institutional backing and ECSP regulatory oversight.
• You are comfortable with satellite money, not core allocation.

It does not fit if

• You need liquidity or a secondary market to exit early.
• You expect to earn the advertised yield without material slippage.
• You want a platform with a long, stable delivery track record.
• You prefer consumer or real-estate loans over agri-sector concentration.
• You seek Green-list platforms for core portfolio allocation.

Against the alternatives

For another agricultural lending model, read our LANDE.

Crowdpear offers similar ECSP oversight with RE development and rental loans, a higher grade (B), and no flagged yield-reality gap. InRento delivers 0 capital losses over five years at ~11.8% realised, holds the same ECSP licence, and earns a Green-list A grade. If realised returns matter more than advertised yields, both alternatives outperform InSoil on delivery.

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