Loans and Borrowing

InSoil offers financing solutions tailored specifically for farmers and agricultural businesses - something most traditional banks can’t match. Our loan products are designed around the realities of agricultural operations, with flexible repayment schedules, seasonal cash flow alignment, and up to 100% financing for land, equipment, or sustainability investments.

Farmers and agricultural businesses operating in Lithuania, Latvia, Bulgaria, Poland, and Portugal are eligible to apply, provided they meet our creditworthiness and eligibility criteria.

We offer both collateralized and uncollateralized Agricultural Loans, as well as Green Loans focused on regenerative practices and carbon sequestration. Financing may be used to acquire machinery, land, or farm buildings, to enhance working capital and production capacity, or to refinance existing obligations.

The InSoil Green Loan is a 0% interest financing solution designed to support farmers who adopt regenerative and climate-smart agricultural practices. This loan is tailored for projects that improve soil health, increase carbon sequestration, and contribute to environmental sustainability—such as cover cropping, reduced tillage, or transitioning to low-emission equipment.

Repayment schedules are flexible and carefully structured to align with the agricultural income cycle, with loan terms of up to five years.

At InSoil, we are proud to maintain a high loan approval rate of 87% among farmers managing between 40 to 300 hectares of arable land.

Applicants must complete identification procedures and provide a business registration document, financial records (financial statements or tax declarations), land/property information, crop declaration, and details regarding the purpose of the loan.

We work with professional appraisers and use officially approved registers and recognized valuation systems to determine the market value of land, machinery, or subsidy contracts. Loan structures are based on defined LTV ratios to ensure effective risk management.

Once the loan terms are agreed upon, a preliminary agreement is signed. The loan is then made available to investors for funding. After the required amount has been secured, the final agreement and any additional documentation, if necessary, are signed. For collateralized loans, notarial procedures are completed—which can be done remotely within Lithuania. Upon completion of these steps, the loan is disbursed.

You can view your remaining loan balance and payment schedule directly on the platform. Sign in at https://app.insoil.com/login, go to My Projects, and you will see the remaining principal amount for each of your loans. By selecting a specific loan, you can also view its full payment schedule.