InSoil
InSoil (formerly HeavyFinance) is a Lithuanian agricultural crowdfunding platform founded in 2020 and headquartered in Vilnius. It specializes in secured loans to European farmers transitioning to regenerative agriculture practices such as no-till farming and cover cropping. The platform is regulated by the Bank of Lithuania and holds an EU Crowdfunding Service Provider (ECSP) license. Loans are secured by farmland or equipment collateral. InSoil has financed projects across Lithuania, Latvia, Poland, Portugal, and Bulgaria.
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InSoil in real numbers
Anonymized statistics from all InSoil portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
8.5%
Based on 45 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 21 stated strategies
Combined portfolio value
€121,418
Investors on P2P Dash
56
Interest earned all-time
€25,761
Median cash drag
2.6%
Share of funds sitting uninvested
Compare InSoil head-to-head
InSoil returns over time
Median annual return of InSoil investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
9.7%
12 investors
11.0%
2023
9.6%
2024
9.0%
2025
8.0%
2026
Is money moving into InSoil?
Monthly deposits minus withdrawals across InSoil investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
-€887
56 investors tracking
In Q2 2026, InSoil ranks 36 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
InSoil investors also track
Share of InSoil investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about InSoil
Answers based on anonymized community data from P2P Dash investors.
What is InSoil?
InSoil is a peer-to-peer lending platform, founded in 2020 (headquarters: Lithuania). On P2P Dash, investors import their InSoil account statements to track the real net return they earn there.
What return do investors actually earn with InSoil?
Across 45 InSoil portfolios tracked on P2P Dash, the median net return (XIRR) is 8.5%. The middle 50% of investors earn between 5.9% and 10.5% (as of August 3, 2026).
How many investors track InSoil on P2P Dash?
56 investors track their InSoil portfolios on P2P Dash, with a combined portfolio value of €121,418 and €25,761 in interest earned all-time.
How does InSoil rank among P2P platforms?
InSoil ranks 33 of 34 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at InSoil?
Of 21 stated strategies for InSoil, 24% plan to add funds or reinvest, 14% intend to hold, and 62% plan to reduce or exit (as of August 3, 2026).
Is InSoil regulated?
Yes, InSoil is a regulated platform supervised by Bank of Lithuania.
Does InSoil offer a buyback guarantee?
No, InSoil does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my InSoil portfolio?
Export your transaction history from InSoil (csv) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.