InSoil Review 2026: Why It Scores 63% Match
ECSP licence, EUR 20M EIF backing and zero defaults since 2020, but realised returns run 4 to 5 points under the advertised figure
- Headquarters
- Vilnius, Lithuania
- Licence
- ECSP
- Yield advertised
- ~13%
- Minimum
- EUR 100
- Operating since
- 2020
The 60-second version
InSoil is the platform formerly known as HeavyFinance, operating under an ECSP licence from the Bank of Lithuania since 2020. The platform lends to agricultural borrowers across the EU, with loans secured against machinery, land or receivables. The European Investment Fund backs the platform with EUR 20 million under an InvestEU guarantee, and InSoil reports zero capital losses across its track record to date. The regulatory structure is solid, the collateral model is transparent, and the execution record is clean.
The problem is return honesty. InSoil advertises around 13% gross annual yield, but realised returns have historically run about 4.5 percentage points lower, closer to 8 to 9% net. The gap comes from servicing fees, currency exposure on non-EUR loans, seasonal repayment delays and the time loans spend in the pipeline before they start generating interest. No compensation scheme covers borrower defaults, and agricultural lending carries weather, commodity price and structural risks that equity or bond markets do not. InSoil ranks 11th of 19 platforms on our list with a 63% match. It suits investors who want agri exposure, understand the collateral model and budget for the realised yield, not the advertised one.
Scores across five criteria
Weight 30% of total
InSoil holds an ECSP licence from the Bank of Lithuania, the same framework that covers Capitalia, InRento, Profitus and Crowdpear. The ECSP regulation sets capital, governance and disclosure standards but does not bring a compensation fund. If the platform fails as a firm, there is no scheme to reimburse you. If a borrower defaults, the collateral is your only recourse. The EIF backing is structural support for the platform itself, not a blanket guarantee on investor capital. The licence is legitimate and the regulator is credible, but protection stops at the platform gate.
Weight 25% of total
InSoil reports zero capital losses since launching in 2020. Loans are secured, repayments have arrived on schedule or slightly delayed in seasonal cycles, and no collateral liquidation has left a loss on the investor side. The track record is short but clean. The EIF backing adds institutional credibility, and the platform has survived a period when several agricultural lenders elsewhere in the EU hit trouble. Execution scores well, but five years is not a full credit cycle, and agriculture is lumpy by nature.
Weight 20% of total
This is where InSoil loses ground. The platform advertises around 13% gross annual yield, but realised returns have historically run 4 to 5 percentage points lower. The gap comes from three sources: servicing fees deducted at loan level, currency exposure when loans are denominated in PLN or other non-EUR currencies, and the time your capital sits uninvested between one loan repaying and the next one funding. Agricultural loans also repay seasonally, which means your money earns nothing during the gap. The advertised figure is the gross interest rate on the loan itself, not what lands in your account. Always budget for the realised number, which sits closer to 8 to 9% net. InSoil is the worked example of why advertised rates need a haircut.
Weight 15% of total
InSoil publishes loan-level data including borrower industry, collateral type, loan-to-value ratio and repayment status. The platform discloses its ownership structure and the EIF agreement is public. The rebrand from HeavyFinance to InSoil was announced clearly with no operational disruption. Transparency is good at the loan level and adequate at the platform level. The main gap is the realised return data: the platform does not publish a reconciliation between advertised and net figures, so investors have to calculate it themselves from their own account history.
Weight 10% of total
InSoil does not offer a secondary market. Once you commit to a loan, your capital is locked until the loan matures or repays early. Agricultural loans typically run 12 to 36 months, and early repayment is uncommon. There is no confirmed auto-invest feature as of early 2026, so you select loans manually. Exit liquidity is limited. Only invest money you can leave untouched for the full loan term, and plan your cash flow around seasonal repayment patterns.
What works
- ECSP licence from the Bank of Lithuania with EUR 20M EIF backing
- Zero reported capital losses since 2020
- Loans secured against machinery, land or receivables with disclosed LTV ratios
- Transparent loan-level data and public ownership structure
- Niche exposure to European agriculture, rare among P2P platforms
What does not
- Realised returns historically 4.5 points under advertised, no published reconciliation
- No secondary market, capital locked until loan maturity
- Seasonal repayment cycles mean gaps where capital earns nothing
- No compensation scheme covers borrower defaults
- Short track record, not yet tested by a full agricultural downturn
How investing in InSoil works
- Open an account on the InSoil platform and complete identity verification under Lithuanian KYC rules.
- Fund your account by bank transfer in EUR. The platform does not accept cards or instant payment rails.
- Browse the loan opportunities, which show borrower industry, collateral type, loan-to-value ratio, interest rate and term.
- Select the loans you want to fund and commit your capital. There is no auto-invest, so this is manual each time.
- When the loan funds and disburses, your capital starts earning interest. Repayments arrive monthly or at maturity depending on the loan structure.
- Reinvest repayments manually into new loans or withdraw to your bank account. Withdrawals typically clear within three to five business days.
Who InSoil suits and who should pass
InSoil suits investors who want exposure to European agriculture, understand collateral-backed lending and are comfortable with illiquid positions lasting 12 to 36 months. The ECSP licence and EIF backing provide regulatory and institutional credibility. The zero-loss execution record is reassuring, though short. If you are building a portfolio around property, consumer or SME loans and want a different sector for diversification, InSoil is one of the few ECSP platforms offering that niche.
Pass on InSoil if you need liquidity, cannot tolerate a 4 to 5 point gap between advertised and realised returns, or want a secondary market to exit early. The seasonal repayment structure means your capital sits idle for stretches, which drags the effective yield down further. If you are chasing the advertised 13% and expect it to land in your account, you will be disappointed. Budget for 8 to 9% net, and if agriculture as a sector does not interest you, platforms like Mintos, Capitalia or InRento offer better return honesty and deeper execution records at similar or higher match scores.
How InSoil compares with three rivals
| Criterion | InSoil | Capitalia | Profitus | Mintos |
|---|---|---|---|---|
| Match score | 63% | 80% | 71% | 80% |
| Licence | ECSP | ECSP | ECSP | MiFID II |
| Yield advertised | ~13% | ~10.5% | ~10% | 9-11% |
| Yield realised | ~8.5% | ~10% | ~9.5% | ~9% |
| Minimum | EUR 100 | EUR 200 | EUR 100 | EUR 50 |
| Auto-invest | No | Yes | Yes | Yes |
| Secondary market | No | No | No | Yes |
| Operating since | 2020 | 2017 | 2017 | 2015 |
| Key difference | Agricultural loans, large return gap | InvestEU/EIF guarantee, Baltic SME | EUR 273M funded, 0 losses, negative equity FY24 | Largest EU marketplace, EUR 20k scheme |
Capitalia and Mintos both score 80% and offer better return honesty, deeper execution records and auto-invest. Capitalia shares InSoil's InvestEU backing but lends to Baltic SMEs rather than agriculture. Profitus matches InSoil's zero-loss record but with a longer track record and a smaller return gap. All three offer auto-invest, which InSoil does not. Mintos adds a secondary market and MiFID II protection. InSoil is the only agricultural specialist in this group, which is its strength and its limitation.