Vilnius-based climate finance company InSoil has secured a €120 million senior secured credit facility to expand their capacity to provide mid-term debt capital to agricultural SMEs adopting sustainable farming practices, including no-till cultivation, cover cropping, diversified crop rotation and reduced use of synthetic fertilisers. The credit facility has come from
David Cendon Garcia
Vilnius-based climate finance company InSoil has secured a €120 million senior secured credit facility to expand their capacity to provide mid-term debt capital to agricultural SMEs adopting sustainable farming practices, including no-till cultivation, cover cropping, diversified crop rotation and reduced use of synthetic fertilisers.
The credit facility has come from Pollen Street Capital, marking one of the largest private credit commitments to date for sustainable agriculture lending in Europe. The underlying loans benefit from a guarantee from the European Investment Fund (EIF) under the InvestEU programme.
“European agriculture is entering a new investment cycle,” says Laimonas Noreika, CEO and founder of InSoil. “Farmers need capital to modernise equipment, improve soil health and build more resilient businesses, but specialised financing has been scarce. This facility lets us meet that demand at scale, and shows that sustainable agriculture has become an investable asset class for institutional capital.”
InSoil’s credit facility sits alongside a wider set of 2026 EU-Startups-reported financings in European AgTech, regenerative agriculture, soil measurement and nature-based climate infrastructure.
Relevant adjacent announcements include Seqana’s €3.2 million round for soil-health monitoring, Proba’s €1.25 million raise for fertiliser-related Scope 3 reductions, UBEES’ €8 million Series A for bee-powered regenerative agriculture, Feldwerke’s €12 million revolving credit facility for agri-PV infrastructure, Agriodor’s €15 million Series A for crop biocontrol, Nature Robots’ €4 million Seed round for autonomous agricultural machinery, Perplant’s €1 million raise for AI-enabled precision spraying, Equitable Earth’s €12.6 million Series A for nature-based carbon project certification, and Wikifarmer’s €7.1 million round for agricultural trade infrastructure.
Together, these adjacent 2026 announcements amount to approximately €64.2 million; including InSoil’s facility, the total capital referenced across this segment rises to about €184.2 million.
“InSoil has built a genuinely differentiated position in European agricultural finance, combining deep relationships, rigorous credit underwriting and a strong track record. Backed by the EIF guarantee, the facility offers compelling structural protection,” adds Paul Varty, Investment Director at Pollen Street.
Founded in 2020, InSoil is a climate finance company channelling institutional capital into the transition to regenerative agriculture. The company combines proprietary credit underwriting with measurable climate outcomes, including the issuance of soil carbon credits under Verified Carbon Standard.
Since inception, InSoil has financed more than 3,500 agricultural SMEs across Europe and is building toward its mission of removing one gigaton of CO2 emissions through agricultural finance.
The company has also collected over 15,000 soil samples across participating farms, one of the region’s largest proprietary soil carbon datasets, which underpins both its credit underwriting and its climate measurement.
The company says that today’s facility addresses a segment that has historically been underserved by traditional bank lenders, where the European Investment Bank has estimated an annual SME financing gap of €62 billion.
