InSoil
“Can an agricultural crowdfunding lender embed soil carbon credit monetisation into its financing model to create a climate-aligned, dual-revenue asset class for European farmers?”
Founded in 2020 as HeavyFinance, a Lithuanian agricultural crowdfunding lender connecting retail investors with European farmers needing working capital, equipment, and land financing. Rebranded to InSoil in 2024 to signal a strategic shift beyond pure lending toward environmental technology — specifically integrating Verra-certified MRV (monitoring, reporting, verification) of soil carbon credits with the lending business. The embedded finance angle centres on using ConnectPay's payment infrastructure to enable seamless investor transactions on the crowdfunding platform, while the carbon credit layer creates a differentiated asset class for institutional private-debt investors.