Investing with InSoil

Agriculture is one of the safest and most vital economic sectors, providing the food we all rely on every day. It has a long history of stability, supported by valuable assets like land and farming equipment, and is often passed down through generations, which adds to its resilience. Governments in developed countries recognize its strategic importance and provide substantial subsidies to ensure steady production and a reliable workforce. Because of this, agriculture tends to have one of the lowest default rates among economic activities. Leading institutions like the European Commission and European Investment Bank have highlighted agriculture as a sector with strong financial solidity and relatively low risk, making it an attractive choice for long-term investment portfolios. At InSoil, we carefully select agricultural projects to offer investors opportunities that align with this stability and growth potential. However, like any investment, agriculture carries risks, including fluctuating profit margins, cash flow variability, disease outbreaks, and weather-related challenges. We encourage investors to understand these factors and invest thoughtfully.

Agricultural loans on InSoil are designed to support general farming activities such as purchasing equipment, expanding operations, or covering seasonal costs. These loans are focused on improving productivity and profitability without specific environmental criteria.

Green loans, however, are targeted at projects that implement regenerative farming practices—such as enhancing soil health, increasing biodiversity, and reducing carbon emissions. To qualify for a green loan, borrowers must meet defined sustainability standards, making these investments ideal for those seeking both financial returns and environmental impact.

Returns on Green Loan projects depend on factors such as the amount of carbon sequestered and the selling price of carbon certificates. Typically, projects highlight three scenarios in their descriptions: a conservative scenario with lower returns, a current market scenario with moderate returns, and an optimistic scenario with higher returns. Annualized returns can range from around 13% in the conservative case up to nearly 48% in the most optimistic case. We recommend reviewing each project’s detailed description to understand the specific return forecasts and associated risks before investing.

Any individual of legal age or legal entity within the EU or EEA can invest after completing identity verification. Corporate investors must provide proof of incorporation and representative authorization.

The minimum investment is €100 per project. You may invest more or diversify across several projects.

There is no maximum investment limit. You can invest as much and in as many projects as you’d like, subject to available funds and regulatory limits in your country.

You can start investing on the InSoil platform with as little as €100 per project. There is no maximum limit on how much you can invest or how many projects you can fund. This gives you the flexibility to build and diversify your investment portfolio according to your own goals and preferences.

An unsecured loan is provided without any collateral, such as land or farming equipment, and is based solely on the borrower’s creditworthiness and ability to repay. In contrast, secured loans are backed by assets, meaning if the borrower fails to repay, InSoil’s security process involves selling the collateral asset to recover the loan amount. This significantly reduces the risk of loss and provides greater security to lenders.

The Loan-to-Value (LTV) ratio shows how much of the collateral’s value is being borrowed. For example, a 70% LTV means the borrower is requesting a loan equal to 70% of the collateral’s value. A lower LTV generally means lower risk for investors.

Each project listed on InSoil is assigned a risk rating A+, A, B, or C based on our internal risk assessment model. This rating reflects the borrower’s credit profile, collateral quality, and overall project risk. Projects rated D are considered too high-risk and are not listed on the platform. While the rating offers a quick snapshot of risk, we strongly encourage investors to review all available project details to make informed decisions.

Interest starts accruing from the earlier of: - the loan disbursement date, or - 16 business days after the project is fully funded. After a project is fully financed, InSoil collects the necessary documents to secure the loan, which may take time due to coordination with external institutions. To ensure fairness, interest starts accruing even if the funds have not yet been transferred, once 16 business days have passed. The accrued interest will be paid together with the first loan instalment. You can track upcoming payments under the ‘My investments’ section.

Yes. Borrowers are allowed to repay their loans early without penalties once the minimum loan period has passed. If the borrower repays before the minimum period ends, they are still required to pay interest covering the full minimum period of the loan.

The interest rate shown on each InSoil project is an annual rate. For example, if you invest €1,000 in a project with a 12% annual return, your monthly interest would be approximately €10 = (€1,000 × 12 / 12 / 100). The preliminary earnings shown in the investment calculator are based on the project’s preliminary payment schedule. Interest for each period is calculated on the outstanding loan amount, so actual monthly returns may vary depending on the repayment structure (e.g. full bullet, annuity, or seasonal schedule).

Interest begins to accrue either when the loan is disbursed to the borrower or 16 business days after the project is fully funded — depending on which happens first.

You can view and track your earnings anytime in the My Portfolio → Investments section of your dashboard.

Returns vary by project type and borrower risk profile. Agricultural loans typically offer annualized returns of 10–15%. Green Loans may offer returns from 13% to as high as 48% depending on carbon credit revenue and performance scenarios.

Registering and investing through InSoil is free of charge. There are no fees for opening an account, browsing projects, or making investments. However, if you choose to sell your investment on the secondary market, a 1% fee applies to the selling price of the transferred claim. For full details, please refer to our Service Fees section.

Investments made through the InSoil platform are not covered by the Deposit Insurance or Investor Compensation schemes of the Republic of Lithuania, as these protections apply only to traditional bank deposits and certain financial instruments. However, InSoil carefully evaluates each project before listing it. Many investment opportunities are secured with collateral, such as agricultural land, farming equipment, state subsidies, and other pledged assets. When a loan is fully funded, the borrower signs an agreement at the notary's office to establish a mortgage or security interest on the collateral. This mortgage is registered in the relevant national registry. Some projects also benefit from partial state guarantees. The level of security and guarantees is clearly indicated with badges on the platform. While not all loans are secured, InSoil is committed to transparency and thorough risk assessment, providing investors with the information needed to make informed decisions.

No. While loans are secured by collateral (land, machinery, subsidies) and personal liability, all investments carry a degree of risk. InSoil conducts thorough due diligence and recovery procedures in the event of default, but returns are not guaranteed.

InSoil acts as an intermediary between investors and project owners, offering a selection of carefully evaluated agricultural projects with strong creditworthiness. However, investors must understand that all investments carry risks, including the possibility of full or partial loss of the invested capital, absence of expected profits, and risks related to financial liquidity. While such outcomes are unlikely, InSoil, acting on behalf of investors, takes active measures to protect investments. This includes initiating the transfer or sale of pledged collateral if necessary, alongside other recovery actions to help ensure repayment.