ECSP-licensed, climate-aligned, institutionally backed - and realised returns still fall short of advertised. Here is what the C grade means.
Watchlist only. Satellite money, not core allocation.
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.
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.
Create an account and complete identity verification under ECSP regulations. The platform will confirm your investor classification (retail or professional) and risk-acknowledgement requirements.
Transfer money via bank transfer. The platform does not hold an e-money licence, so your cash sits in a segregated account until you allocate it to loans.
Browse secured loans backed by machinery, land rights or revenue streams. The minimum per loan is EUR 100. Auto-invest functionality is not confirmed; manual selection may be required.
Borrowers repay according to the loan schedule. Interest and principal flow into your account. Agri loans may have seasonal payment patterns tied to harvest cycles.
Reinvest cash into new loans or withdraw by bank transfer. No secondary market exists, so you cannot exit a loan before maturity unless you sell your claim privately.
| Platform | Grade | Yield | Licence | Minimum | Realised gap |
|---|---|---|---|---|---|
| InSoil | C | ~13% advertised | ECSP (LT) | EUR 100 | ~4.5pts below |
| Crowdpear | B | 10.6-14% | ECSP (LT) | EUR 100 | No significant gap flagged |
| InRento | A | ~11.8% | ECSP (LT) | EUR 500 | 0 capital losses in 5y |
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.
Yes. InSoil holds an ECSP licence from the Bank of Lithuania, which enforces conduct rules but carries no compensation scheme. The European Investment Fund has committed EUR 20 million as a cornerstone investor, which adds credibility but does not guarantee returns.
The C grade reflects a weak delivery track record: realised returns have run approximately 4.5 percentage points below advertised yields. EIF backing demonstrates institutional validation, but investors have consistently earned less than the platform suggests they will.
InSoil advertises yields around 13%. Historically, realised returns have been approximately 4.5 percentage points lower - meaning investors have earned closer to 8.5% after defaults, delays and collection costs are accounted for.
InSoil focuses on secured agri loans and green energy projects. Collateral typically includes machinery, land rights or revenue streams. The platform emerged from the rebrand of HeavyFinance in 2020 and maintains a climate-aligned investment thesis.
The fact table does not confirm auto-invest functionality for InSoil. Check the platform directly for current portfolio-building tools; manual selection may be required.
The minimum investment on InSoil is EUR 100 per loan. This is higher than consumer-note platforms but typical for secured agri and green lending.
InSoil holds an ECSP licence, carries EUR 20 million EIF institutional backing, and targets climate-aligned agri and green loans. Those are legitimate strengths. But the delivery gap is real and recurring: realised returns have run approximately 4.5 percentage points below advertised yields. That slippage is material, and it is why we grade the platform C and place it on the Watchlist, not the Green list.
If you invest here, price the gap into your expectations. Advertised 13% means closer to 8.5% after defaults and workout costs. Accept illiquidity - no secondary market exists. Treat this as satellite money, not core allocation. Your capital is at risk, no scheme covers borrower defaults, and agri-sector concentration can amplify losses in stressed markets.
For core portfolios, InRento delivers 0 capital losses at ~11.8% under the same ECSP licence. Crowdpear offers RE development with a B grade and no flagged yield gap. InSoil may fit as a small-allocation climate bet, but the track record does not yet support treating the advertised yield as what you will earn.
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