Laimonas Noreika, founder of InSoil (formerly HeavyFinance), is tackling one of the biggest barriers to regenerative transformation in Europe: access to finance for small and medium-sized farms. With traditional lenders stepping away due to regulatory constraints and perceived risk, an estimated €60 billion annual loan gap has emerged across the sector. InSoil’s answer is an innovative “Green Loan” model: zero-interest financing that helps farmers adopt practices such as no-till, cover cropping, and soil-restoring equipment. Instead of repayments through interest, the company earns back investment through future revenues from verified soil-carbon credits, aligning financial incentives with long-term climate benefits. Early results from Eastern European farms suggest that regenerative management can yield around 20 % higher profits compared to conventional systems, even before carbon-credit revenues are included.
By directly linking access to finance with the creation of measurable environmental outcomes, this approach unlocks opportunity for farms typically excluded from carbon markets and mainstream credit systems. It supports farmers in reducing input costs, stabilising yields, and building resilient soils, while at the same time generating high-integrity carbon-removal credits that help strengthen the wider carbon-market ecosystem.
Original interview published on Investing Regenerative Agriculture.
Top comments (0)