InSoil
InSoil channels institutional capital to European farmers adopting sustainable practices, combining credit, agronomy and soil-carbon measurement.
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Podcast Episode
🎙️ Deep Dive
Build, Six Robotics, InSoil — infrastructure AI, defence autonomy and agricultural credit — Daily News June 30, 2026
Listen to the episodeAbout InSoil
InSoil is a Vilnius-based climate finance company formerly known as HeavyFinance. Founded in 2020, it finances European agricultural SMEs adopting regenerative practices such as no-till farming, cover crops, diversified crop rotation and reduced synthetic fertiliser use. Its €120M senior secured facility from Pollen Street Capital, with EIF guarantee under InvestEU on the underlying loans, expands its mid-term lending capacity for the agricultural sector.
The Story
InSoil was founded in 2020 in Vilnius as HeavyFinance by Laimonas Noreika, Andrius Liukaitis and Darius Verseckas to address the credit gap for European farms.
How InSoil works
Business Model
Climate finance and agricultural lending platform, combining institutional capital and potential verified carbon-credit generation.
Revenue Model
Revenue linked to lending, servicing, origination, credit management, investment platform activity and potential economics on carbon credits; full details are not public.
Products & Services
Key Products
- Agri Loans
- Green Loans
- Carbon Farming
- Soil carbon MRV system
- Private debt platform
Core Use Cases
- Financing regenerative agriculture
- No-till transition financing
- Cover cropping and crop rotation financing
- Soil carbon monitoring
- Carbon credit generation
- Agricultural SME lending
Market & Clients
Key Customers
European agricultural SMEs, farmers, institutional investors, carbon credit buyers and agribusiness partners.
Geographic Presence
How InSoil competes
Competitors
Competitive Advantages
- 3,500+ agricultural SMEs financed
- 15,000+ soil samples collected
- EIF-backed structural protection
- Integrated credit underwriting and climate measurement
- Verified Carbon Standard-linked carbon farming programme
How InSoil grows
Growth Strategy
Expand mid-term lending capacity to European agricultural SMEs and scale carbon farming and regenerative agriculture finance.
Distribution Model
Direct origination and agricultural partnerships; capital from institutional investors and connected retail investment platform.
Moat (Defensibility)
Farmer relationships, proprietary underwriting, soil dataset, MRV capability and financial structuring with institutional support.
Regulatory Context
Relevant to InvestEU, EIF guarantees, ECSP/crowdfunding regulation, carbon credit standards and EU sustainable agriculture policy.
Key Risks
- Agricultural credit risk
- Dependence on guarantees and institutional capital
- Validation of carbon outcomes
- Regulatory risk around carbon credits and crowdfunding
- Agricultural cycles and climate volatility
Strategic Insights
- In agricultural climate tech, credit can scale adoption more effectively than equity.
- The soil dataset becomes an asset for underwriting, MRV and carbon-credit credibility.
- EIF/InvestEU support reduces perceived risk and makes an underserved agricultural SME segment more investable.
Funding & Investors
Funding Rounds
- 2026 - Senior secured credit facility: €120M senior secured credit facility
Lead: Pollen Street Capital
Key Investors
Founding Team
Founders
Key Executives
- Laimonas Noreika - Founder & CEO
- Andrius Liukaitis - Head of Lending / Co-founder
- Fernando Hierro García - Head of Carbon
Key Metrics
Lessons from InSoil
- A climate model can scale when it links capital, data and measurable environmental outcomes.
- In agricultural markets, the financial product must match the customer's operating cycle.
- Public guarantees can make a historically underserved segment bankable.
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