InSoil
InSoil is a Lithuanian climate finance company funding European farmers' transition to regenerative agriculture through zero-interest Green Loans, then monetizing verified soil carbon removals via an ECSP-licensed marketplace serving retail and institutional investors plus corporate buyers like Microsoft and Google.
- Company typePrivate
- Founded2020
- HeadquartersVilnius, Lithuania
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What InSoil does
InSoil is a Lithuanian climate finance company founded in 2020 that provides small and medium-sized European farmers with financial solutions to transition to regenerative agriculture and monetize the resulting soil carbon sequestration. The company operates as an integrated two-sided marketplace: on the supply side, it enrolls farmers in its Carbon Farming Programme across Lithuania, Poland, Latvia, Bulgaria, Portugal, and Ukraine; on the demand side, it serves retail investors, institutional investors, and corporate carbon credit buyers through an ECSP-licensed digital marketplace. InSoil's customer base includes over 4,000 enrolled farmers, 5,000+ registered investors, and named enterprise buyers such as Microsoft, Google, Salesforce, Delta Airlines, and The Walt Disney Company.
InSoil's product portfolio centers on Green Loans (zero-interest financing for regenerative practice transition), Agri Loans (medium-term agricultural financing), and verified Carbon Credits issued under Verra's VCS VM0042 standard. The underlying technology is a proprietary multi-modal Monitoring, Reporting, and Verification (MRV) system that combines GPS-coordinated physical soil sampling to 60cm depth with tri-layer laboratory analysis, satellite-based remote sensing, and proprietary carbon quantification models to generate Digital Soil Organic Carbon Maps and Biomass Distribution Maps. Independent verification is provided through a partnership with Agricarbon and SCS Global Services. The first large-scale batch of over 130,000 Verified Carbon Units was issued in April 2026 following Verra registration of the flagship Lithuanian programme.
InSoil's revenue model is transaction-fee based across four streams: carbon credit issuance and administration fees (credits priced at approximately €35/tonne), green loan financing returns generated by selling resulting credits, agricultural loan origination fees from financial institution partnerships, and marketplace commissions on its ECSP-licensed investment platform. Farmers enroll free of charge and earn €35–70 per hectare annually from credit sales. To date, InSoil has financed over €107 million to farmers with a current portfolio exceeding €90 million, enrolled 800,000+ hectares targeting 1 million by 2026, and assembled more than €164 million in cumulative financing capacity from partners including Key Carbon (€100M), the European Investment Fund and InvestEU (€50M fund with €20M EIF commitment), Multitude Bank (€14M), and the EIF portfolio guarantee (€10.5M).
InSoil firmographics
Firmographics- Name
- InSoil
- Legal name
- InSoil
- Website
- https://insoil.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- InSoil is a Lithuanian climate finance company funding European farmers' transition to regenerative agriculture through zero-interest Green Loans, then monetizing verified soil carbon removals via an ECSP-licensed marketplace serving retail and institutional investors plus corporate buyers like Microsoft and Google.
- Ownership category
- akta.pro rank
InSoil industry classification
Industry- Product category
- Climate Finance / Agricultural Carbon Markets
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Carbon Finance & Investment Advisory (Project Finance, Funds, SPVs) (EUABADAD)
- akta.pro secondary industries
- Carbon Markets & Climate Finance (Offsets, Allowances, Carbon Funds) (FSAAALAH), Carbon Registries & Issuance Platforms (Project/credit lifecycle, serials, issuance, retirement) (EUABAAAA), Carbon Offtake Structuring & Contracting (ERPA, Long-term Offtakes, Price Floors) (EUABADAE)
Keywords
Where InSoil is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
InSoil business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure
Revenue model
- Carbon Credit Issuance & Administration: InSoil charges an administration fee on carbon certificates issued to farmers. Carbon credits are sold to institutional and retail investors, with InSoil retaining a portion of each transaction. Farmers receive the majority of carbon credit revenue, while InSoil earns a fee for project management, verification, and market facilitation.
- Green Loans Financing: InSoil provides interest-free green loans to farmers for transitioning to sustainable practices. Returns are generated by selling the resulting carbon credits on the market, with the revenue split covering loan administration costs and generating margin for InSoil.
- Agricultural Loans: Traditional agricultural financing is provided to farmers through partnerships with financial institutions, with InSoil earning a spread or origination fee on loans facilitated through its platform.
- Investment Platform & Investor Access: Retail and institutional investors access carbon credits and private debt instruments through InSoil's digital marketplace. Revenue is generated through platform fees, transaction fees on investor purchases, and potentially management fees on assets under administration.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Farmers: Free enrollment in carbon farming program |
| Unit Pricing | Pay-as-you-go | Carbon Credits: ~€35/tonne market value |
| Outcome Based/ Performance | Multi-year contract | Green Loans: 0% interest for farmers |
Go-to-market motion4 records
Distribution channels3 records
Marketing channels6 records
InSoil product offering
Product offeringCore offering
InSoil operates an integrated climate finance marketplace that provides Green Loans (0% interest) and Agri Loans to European farmers transitioning to regenerative agriculture, while generating verified soil carbon credits. The platform connects retail and institutional investors with farmers through an ECSP-licensed digital marketplace, using proprietary multi-modal MRV technology (soil sampling, satellite monitoring, laboratory analysis) to quantify and verify carbon sequestration. Revenue is generated through loan administration fees, carbon credit transaction commissions, and marketplace fees.
Product overview
InSoil operates as an integrated climate finance marketplace offering a portfolio of financial products for farmers transitioning to regenerative agriculture. The core offering consists of Green Loans (zero-interest financing) and Agri Loans (commercial agricultural loans), supported by the Carbon Farming Program which enables farmers to generate verified soil carbon credits. The platform connects retail and institutional investors with European farmers, while also selling carbon credits to corporate buyers. InSoil Finance serves retail investors, while the main platform serves institutional carbon credit buyers and private debt investors.
Differentiator
Problem solved
Functional benefit
Brands
- Green Loans: Zero-interest loans provided to farmers for transitioning to regenerative agriculture practices. Returns generated through carbon credit sales.
- Carbon Farming Programme
- Agri Loans
Products and services
- Agri Loans Medium-term agricultural financing solutions for farmers to upgrade equipment, increase working capital, and transition to sustainable practices. Loans are tailored to agricultural cash flow cycles.
- Green Loans Zero-interest loans provided to farmers transitioning to regenerative agriculture practices. Returns for investors are generated through the sale of verified carbon credits produced by farmers on their land.
- Carbon Farming Program End-to-end carbon sequestration program enabling farmers to adopt regenerative practices and generate verified carbon credits. Includes soil sampling, agronomic consultation, MRV verification, and carbon credit issuance under Verra VCS VM0042 methodology.
- Carbon Credits Verified soil carbon removals sold to institutional investors and corporate buyers. Credits are verified by SCS Global, developed under Verra's VCS VM0042 standard, with an average sequestration rate of 2.27 tCO2e per hectare per year.
- Private Debt Investment opportunity for institutional investors to participate in agricultural debt financing, supporting farmer transitions to regenerative practices while generating returns through a regulated ECSP marketplace.
- InSoil Finance Retail investor platform enabling individual investors to access agricultural loans and green investment opportunities through self-serve onboarding with portfolio management and transparent reporting.
Quantifiable outcome
- Farmers earn €35–70 per hectare annually from carbon credit generation
- +4 more outcomes
Companies that use InSoil
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
InSoil technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature3 records
InSoil partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and minor.
- Anew ClimatecoreStrategic partnership with Anew Climate for the development and issuance of agricultural carbon credits. Anew Climate provides carbon market expertise, project development support, and access to corporate buyer networks for InSoil's verified farm projects.
- CEEZERcoreCarbon marketplace partnership with CEEZER, a leading carbon credit marketplace. CEEZER provides additional distribution channels for InSoil's verified agricultural carbon credits, expanding access to corporate and investor buyers.
- AgricarboncoreSoil sampling partnership with Agricarbon for independent physical verification of soil carbon levels on enrolled farms. Agricarbon provides third-party verification services essential for carbon credit integrity and market credibility.
- Linas AgrocoreAgricultural partnership with Linas Agro, a major agricultural company, for farmer enrollment and agricultural project development. Linas Agro provides access to its network of farms and agricultural expertise for carbon project implementation.
- Agsolco UkrainecorePartnership with Agsolco Ukraine for agricultural carbon project development in Ukraine. Agsolco brings local agricultural expertise, farm relationships, and project implementation capabilities for InSoil's expansion into the Ukrainian market.
- CCU (Carbon Credit Ukraine)coreCollaboration with Carbon Credit Ukraine (CCU) as part of the broader Ukraine Carbon Credit Initiative to develop and scale agricultural carbon projects across Ukraine, supporting the country's sustainable agricultural transition.
- Akola GroupcorePartnership with Akola Group for agricultural carbon project development in Ukraine. Akola Group contributes agricultural operational expertise and farm network access for project implementation.
- QemeticaminorPartnership with Qemetica for agricultural project development in Ukraine, providing additional capacity for sustainable farming project implementation.
- ClearBlue MarketsminorCarbon pricing advisory relationship with ClearBlue Markets for market intelligence, pricing strategy, and carbon market expertise to optimize the value of InSoil's agricultural carbon credits.
- CobaltminorLegal advisory services provided by Cobalt, supporting InSoil's regulatory compliance, contractual matters, and corporate governance as it scales operations across Europe.
- AbatableminorAdvisory support from Abatable, a carbon market advisory firm, providing strategic guidance on carbon credit market positioning and product development.
- Philip LeeminorLegal advisory services from Philip Lee, an Irish law firm, supporting InSoil's legal and regulatory matters in European markets.
- SorainenminorLegal advisory services from Sorainen, a leading Baltic law firm, providing Lithuanian and wider Baltic regulatory and corporate legal support.
Scale indicators11 records
Recent moves7 records
Expansion highlights6 records
InSoil competitors and assessment
Company assessmentDirect peers
- Agreena: Denmark-based Agreena operates one of Europe's largest soil carbon platforms, issuing verified credits from regenerative farming and connecting farmers to carbon markets — the closest direct competitor to InSoil by geography, customer (European SMB farmers) and product.
- Indigo Ag: US-based Indigo Ag runs a major agricultural carbon programme that pays farmers for regenerative practices and sells verified credits to corporates — directly comparable to InSoil's model, though at much larger scale and primarily US-focused.
- Boomitra: Boomitra is a global soil carbon credit platform using satellite MRV to issue verified credits for farmers worldwide — comparable to InSoil's multi-modal MRV and farmer-financing approach, with overlapping methodology and buyer base.
- Nori: Nori operates a blockchain-based carbon removal marketplace focused on agricultural soil carbon, enabling farmers to be paid for regenerative practices — directly comparable on the carbon credit issuance and marketplace side.
- Pachama: Pachama is a digital carbon credit marketplace using satellite and AI verification to connect corporates with nature-based credits — directly comparable on the marketplace/verification infrastructure layer for nature-based removals.
- Carbonfuture: Carbonfuture is a digital marketplace and infrastructure provider for high-integrity carbon removal credits, including nature-based and agricultural projects — comparable on the registry/issuance and corporate marketplace dimensions.
Broad incumbents
- South Pole Group: South Pole is one of the world's largest carbon project developers and credit providers across nature-based and tech-based solutions. It overlaps with InSoil on the corporate buyer side but is a much broader incumbent spanning many project types.
- Bayer Climate FieldView: Bayer's Climate FieldView is a digital agronomy and farm data platform from a major ag-input incumbent — broader than InSoil but overlapping in farmer data, satellite monitoring and increasingly in carbon programs (Bayer Carbon Insetting).
Emerging players
- Patch: Patch is an API-based platform that helps businesses purchase carbon offsets and removal credits, including nature-based credits. It overlaps with InSoil on the corporate procurement/distribution side without doing its own on-the-ground farmer financing.
Others
- Cibus Capital: Cibus Capital is an asset manager focused on investments in sustainable food and agriculture, including regenerative agriculture — comparable to InSoil's investor-side climate finance offering at a fund/asset-management scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
InSoil social profiles
Digital presenceInSoil compliance and trust
Trust signalCompliance2 records
InSoil financial estimates
Financial estimateRevenue estimate
Valuation estimate
InSoil leadership team
Management profileNumber of profiles
Profiles9 records
InSoil funding detail
Funding detailFunding overview
Funding rounds9 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InSoil M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about InSoil
What does InSoil do?
InSoil operates an integrated climate finance marketplace that provides Green Loans (0% interest) and Agri Loans to European farmers transitioning to regenerative agriculture, while generating verified soil carbon credits. The platform connects retail and institutional investors with farmers through an ECSP-licensed digital marketplace, using proprietary multi-modal MRV technology (soil sampling, satellite monitoring, laboratory analysis) to quantify and verify carbon sequestration. Revenue is generated through loan administration fees, carbon credit transaction commissions, and marketplace fees.
Is InSoil a public or private company?
InSoil is a private company. It is classified as venture growth investor backed and is currently operating.
When was InSoil founded?
InSoil was founded in 2020. It employs 51 to 100 people.
Where is InSoil based?
InSoil is headquartered in Vilnius, Lithuania, in the Europe region.
How does InSoil make money?
Four revenue lines are on record. Carbon Credit Issuance & Administration is the primary driver. The others are green Loans Financing, agricultural Loans and investment Platform & Investor Access.
Who are InSoil's main competitors?
Direct peers on record are Agreena, Indigo Ag, Boomitra, Nori, Pachama and Carbonfuture. Broad incumbents are South Pole Group and Bayer Climate FieldView. Patch is listed as an emerging player. Cibus Capital is listed as an others.
Does InSoil have an API?
No public API is recorded for InSoil.
What industry is InSoil in?
InSoil's product category is Climate Finance / Agricultural Carbon Markets. Its primary akta.pro industry code is EUABADAD, Carbon Finance & Investment Advisory (Project Finance, Funds, SPVs), with a secondary code of FSAAALAH, Carbon Markets & Climate Finance (Offsets, Allowances, Carbon Funds). Its NAICS code is 52231 and its SIC code is 6162.