InSoil secures €120 million financing facility to expand sustainable agriculture lending across Europe

European climate finance company InSoil has secured a €120 million (approximately USD 141 million) senior secured credit facility from Pollen Street to expand lending to small and medium-sized agricultural businesses transitioning to sustainable farming practices across Europe.

The financing, one of the largest private credit commitments for sustainable agriculture lending in Europe, will support loans for investments in practices such as no-till cultivation, cover cropping, diversified crop rotations, and reduced use of synthetic fertilizers. The underlying loans are backed by a guarantee from the European Investment Fund under the InvestEU program, helping address the European Investment Bank’s estimate of an annual financing gap of €62 billion (approximately USD 73 billion) for European SMEs.

Founded in 2020, InSoil has financed more than 3,500 agricultural SMEs across Europe and has collected over 15,000 soil samples, creating one of the region’s largest proprietary soil carbon datasets to support both credit underwriting and climate impact measurement. The company said the new facility will enable it to scale financing for farmers seeking to modernize operations, improve soil health, and enhance farm resilience. Pollen Street said the investment reflects its strategy of supporting specialty finance platforms with strong underwriting capabilities and government-backed credit protections.