InSoil secures €120 million to boost regenerative agriculture lending across Europe
Vilnius-based climate finance firm InSoil has obtained a €120 million credit facility from Pollen Street Capital, backed by an EIF guarantee, to expand financing for agricultural SMEs adopting sustainable practices. The deal is one of the largest private credit commitments for sustainable agriculture in Europe.
InSoil, a climate finance company headquartered in Vilnius, has secured a €120 million senior secured credit facility from Pollen Street Capital. The funding will allow InSoil to scale up its provision of mid-term debt to agricultural SMEs that implement regenerative practices such as no-till farming, cover cropping, diversified crop rotation, and reduced synthetic fertiliser use.
The facility benefits from a guarantee by the European Investment Fund (EIF) under the InvestEU programme. According to Laimonas Noreika, CEO and founder of InSoil, European agriculture is entering a new investment cycle, with farmers needing capital to modernise equipment, improve soil health, and build more resilient businesses. InSoil aims to meet this demand at scale.
Since its founding in 2020, InSoil has financed over 3,500 agricultural SMEs across Europe. The company has also collected more than 15,000 soil samples, creating one of the region’s largest proprietary soil carbon datasets, which supports both credit underwriting and climate measurement, including the issuance of soil carbon credits under the Verified Carbon Standard.
Paul Varty, Investment Director at Pollen Street, noted that InSoil has built a genuinely differentiated position in European agricultural finance, combining deep relationships, rigorous credit underwriting, and a strong track record. The EIF guarantee adds structural protection.
This transaction is one of the largest private credit commitments for sustainable agriculture in Europe. InSoil aims to remove one gigaton of CO2 emissions through agricultural finance by 2050. The company addresses a segment underserved by traditional banks – the European Investment Bank estimates an annual SME financing gap of €62 billion in agriculture.
