InSoil Review: Regulated, Asset-Backed Agricultural Loans in Europe
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Guarantees & features
- Secured: No
- Regulated: Yes
- Buyback Guarantee: No
- Secondary Market: Yes
- Auto Invest: Yes
- Cashback: No
- Investor Compensation: No
InSoil is a peer-to-peer lending platform founded in 2020 and headquartered in Lithuania, regulated under the European Crowdfunding Service Provider (ECSP) framework by the Bank of Lithuania. It specialises in agricultural loans secured by tangible assets such as farmland, machinery and equipment, alongside green and carbon-credit-linked lending products.
What is InSoil?
Like other collateral-based agricultural lenders, InSoil connects investors with loans made to farmers and agribusinesses, secured directly by the underlying assets rather than a buyback promise from an intermediary. Alongside standard secured agricultural loans, InSoil also offers green loans linked to regenerative farming and carbon credits, a more unusual niche within P2P investing.
Key features
- Regulated status: InSoil holds an ECSP licence from the Bank of Lithuania, bringing it under EU-wide crowdfunding rules.
- Collateral-backed lending: standard loans are secured against farmland, machinery or equipment rather than relying on originator buybacks.
- Green/carbon-linked loans: a distinct product tied to regenerative agriculture and carbon credits, offering a different risk-return profile from standard secured loans.
Risk considerations
InSoil does not currently offer a buyback guarantee, secondary market or auto-invest, so recovering funds from a problem loan depends on the value and liquidity of the underlying collateral, and your capital stays committed until the loan is repaid or resolved. Agricultural lending also carries sector-specific risks — weather, commodity prices and farm profitability — that differ from consumer or real estate lending.
Who is InSoil for?
InSoil suits investors who want a genuinely different category within their P2P portfolio — agriculture and climate-linked lending backed by real assets — and who are comfortable with an illiquid, hands-on investment rather than an automated, easily-exited one.
Similar platforms
Agricultural loans
Real estate development, Green & renewable energy loans
Consumer loans
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