InSoil secures €120m facility from Pollen Street to scale agri-SME lending across Europe

InSoil, a European climate finance company channelling institutional capital into the transition to regenerative agriculture, has secured a €120 million senior secured credit facility from Pollen Street Capital (“Pollen Street”), one of the largest private credit commitments to date for sustainable agriculture lending in Europe.

The financing will expand InSoil’s capacity to provide mid-term debt capital to small and medium-sized agricultural businesses adopting sustainable farming practices, including no-till cultivation, cover cropping, diversified crop rotation and reduced use of synthetic fertilisers.The underlying loans benefit from a guarantee from the European Investment Fund (EIF) under the InvestEU programme.

The 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.

“European agriculture is entering a new investment cycle,” said 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.”

This investment reflects Pollen Street’s continued focus on European specialty finance platforms with strong origination franchises, government-backed structural protections, and clear positive environmental and social impact.

“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,” said Paul Varty, Investment Director at Pollen Street.

Norton Rose Fulbright and Cobalt acted as legal advisers to Pollen Street, with Tegos and Response Legal advising InSoil.

Since launching in 2020, InSoil has financed more than 3,500 agricultural SMEs investing in sustainable farming practices. 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.