InSoil
InSoil is a Lithuanian agricultural lending platform run from Vilnius by UAB Heavy Finance, which traded under the HeavyFinance brand until April 2025. The Bank of Lithuania authorised it as a crowdfunding service provider on 14 July 2023 under code LB002201, covering the facilitation of loans, credit scoring, interest-rate suggestions, a bulletin board and individual loan portfolio management. Farmers borrow for machinery, land and working capital. Some loans carry a first-lien mortgage on farmland or a pledge of equipment, others rest on the borrower's personal liability alone, and each project states which applies. Green Loans work differently: the farmer pays no interest and investors are repaid from the carbon credits the farm generates. New loans currently come from Lithuania, Poland and Bulgaria. There is no buyback guarantee, and claims can be sold to other investors on the secondary market, where the seller pays 1 percent of the nominal value.
Support us by using our affiliate link: you usually get a bonus and we get a kickback. Thank you!
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)
8.2%
Based on 48 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 24 stated strategies
Combined portfolio value
€121,440
Investors on P2P Dash
57
Interest earned all-time
€26,674
Median cash drag
3.4%
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
8.7%
19 investors
10.8%
2023
9.6%
2024
8.5%
2025
9.6%
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
-€4,599
57 investors tracking
In Q3 2026, InSoil ranks 32 of 50 platforms by net capital flow. See all capital flows for Q3 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.
Alternatives to InSoil
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
FF Forest 413 investors
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,981 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 48 InSoil portfolios tracked on P2P Dash, the median net return (XIRR) is 8.2%. The middle 50% of investors earn between 6.3% and 10.2% (as of September 18, 2026).
How many investors track InSoil on P2P Dash?
57 investors track their InSoil portfolios on P2P Dash, with a combined portfolio value of €121,440 and €26,674 in interest earned all-time.
Are investors currently adding or withdrawing money at InSoil?
Of 24 stated strategies for InSoil, 21% plan to add funds or reinvest, 13% intend to hold, and 67% plan to reduce or exit (as of September 18, 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, excel) 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.
What are alternatives to InSoil?
Based on the community ranking, the closest alternatives to InSoil in the same asset class are Lande, FF Forest, Debitum. Each platform page shows real median returns and investor numbers from the P2P Dash community.