Secure, Sustainable Investing in a Greener Future
Fund Green Loans to help farmers adopt sustainable practices and receive returns from carbon credits generated on the farm.
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14 446 of active investors today
Trusted by:
19.5%
Average return
700k
CO2 removed
14,000
Investors
What We Do
Why Agriculture and Green Loans Deserve a Place in Your Portfolio?
Agriculture has always been an essential part of the global economy, providing food and raw materials for various industries. However, driven by shifts in eating habits, population growth, climate change, and failing soils, our food and agriculture industry faces moonshot-sized challenges, presenting significant impact investing opportunities.
01
Investments in farming and agribusiness are non-correlated with the stock market and appreciate with the underlying price of land.
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With the world population projected to hit 10 billion by the year 2050, agricultural production will be depended on more than ever to reach increased food, fuel, and fiber demand.
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The agriculture sector provides jobs for approximately 1 billion people globally. Your passive investment will help keep farmers in the business of farming, create employment opportunities, and encourage small business growth.
04
Investing is a great way to improve agriculture production and create a more resilient food system.
Profit and positive impact aligned
Green Loans are marked with a sign of a green leaf with a heart inside. Before even opening each project, you will also notice CO2 emissions to be removed if the project gets needed funding.
SCIENCE BEHIND
The process
01
Borrowers
Farmers across Europe seek quick, flexible financing to support their agricultural projects. With competitive interest rates, they can access financing to help grow their businesses.
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InSoil
Our team combines expertise in finance, agriculture and climat change mitigation to evaluate loans applications.
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Investors
With as little as €100 anyone can invest in agricultural loans for European farmers.
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Certifier of carbon credits
International certification agency confirms that farmers removed CO2 emissions by issuing carbon credits. These units are later sold to international corporations generating returns to our investor community.
Investment terms - Green Loans
Terms
- Loan period: up to 48 months.
- Annual partial repayments.
- First-hand collateral on land with up to 90% loan-to-value ratio and on heavy equipment with up to 70% loan-to-value ratio.
Returns
- Investors receive 60% of carbon credits sold during the loan period with bi-annual repayments.
- After the loan is repaid in full, investors receive 40% of carbon credits sold for one more year.
What are Carbon Credits?
Carbon certificates are tradable units, each representing the removal of one tonne of carbon dioxide from the atmosphere. Farmers participating in carbon farming project generate certificates by storing carbon in the soil.
1 tonne of CO2 removed = 1 Carbon Certificate. Through cooperating with InSoil, investors can benefit from the positive impact of reducing emissions while also earning returns from the sale of the certificates.
77 831 437 €
Loans Issued Amount
9 465 946 €
Income
14 470
Number of Investors
our services
Choose where to invest
Agriculture as an asset class provides passive income and a hedge against inflation, and it’s an attractive investment for a diversified portfolio. These investments provide tangible yield derived from naturally produced products with little to no correlation to the overall stock market and lower risk of loss during market corrections.
Agricultural Loans
Invest in agriculture - a sector of strategic importance. Lend money to farmers who bring food to your table.
From polluter to sequester
Meet Donatas, a sustainable farmer implementing regenerative land management across his 330 hectares since 2017.
To expand these practices, he secured a €105,000 Green Loan from the HeavyFinance investor community to purchase a Carrier XL 425-625 disc cultivator. The 0% interest loan was granted as 134 hectares of his land capture 3 tonnes of CO₂ per hectare per year, generating carbon certificates for investors.
With an expected €35 per certificate market price, investors will receive their initial investment back in 36 months. Under a conservative scenario, they can earn 13% annualized returns from carbon certificate sales over the next 10 years.
We
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Soil
Resources
Blog
Build knowledge on our solutions, or pick up some bright ideas for your next project.
Resources
Blog
Build knowledge on our solutions, or pick up some bright ideas for your next project.
Frequently asked questions
01
You can start investing on the Primary Market from as little as €100. You can also make smaller investments on the Secondary Market.
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Investing using the InSoil crowdfunding platform is permitted to natural persons who have reached the age of majority and all legal entities. Prior to making an investment, it is important to confirm your identity via the verification process.
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You will start earning money with the first interest payments from the project owner. The interest is started to be calculated after the loan is paid for by the project owner or 16 working days have passed after the loan was fully financed. You can track the upcoming payments under the ‘My investments’ section.
04
Yes, you are able to sell your investment through the InSoil secondary market. After logging in to your account go to My Profile and choose, which investment you would like to sell. As the seller of your investment, you are able to offer a price, which can be equal to the nominal value of the invested amount or differ from it (i.e. be higher or lower).
Ready to invest?
Registration takes up to 10 minutes, you can pause and resume the process at any time.