Earn double-digit returns on agricultural investments

Invest from as little as €100 in collateralised loans and earn return of more than 12%
Investors Form (initiateRegistration)

Why should I invest through HeavyFinance?

1. Wide variety of loans

HeavyFinance operates across 5 EU countries ranging all across Europe – from Portugal to Latvia. Such a broad spectrum of countries opens wide geographical diversification opportunities.

2. Safe investments, high returns

Our investors earn a weighted average of more than 12% yield from collateralized loans to small and medium farms. Our approach opens HeavyFinance investors to the opportunity of gaining exposure to a prospective and attractive sector – agriculture.

3. Control & Transparency

With HeavyFinance you can manage your portfolio to an extent suitable to you. You can follow our risk ratings ranging from A+ (safest) to C (with the highest interest rate).

How it works?


Just create an account with your email and password, and you will get the full access to all the information about each loan.


HeavyFinance is compliant with European laws and follows best practices to ensure your security while investing on the platform. Before investing, you, therefore, need to take a selfie and show your identification document. Don't worry, with our technology solutions it will take just a couple of minutes.

Electronic wallet

To keep your money safe, we work with a French company Lemonway that holds your money at BNP Paribas - the largest European bank.


When you make an investment, the money is transfered to an escrow account at BNP Paribas. Only when our team collects all the documents for first lien debt, the investment goes straight to the farmer.

What experienced investors think about us?

Read the reviews of well-known investors who tried HeavyFinance

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What Other Investors asked before investing?

Most frequent questions and answers

What kind of projects are funded on HeavyFinance?

On HeavyFinance, you will find agricultural loans for small and medium farmers based in one of the five countries: Poland, Portugal, Lithuania, Latvia and Bulgaria. The average size of the loan is 36.000 EUR and the average loan period is 32 months. 

Why does HeavyFinance list only agricultural projects?

Historically, agriculture represents one of the safest asset classes and it boasts one of the lowest default rates of any economic activity. Therefore, HeavyFinance strategically picked this sector to present its investors with safe investment opportunities. However, we would like to stress that investing in HeavyFinance still involves risks, so please do it wisely.

How does HeavyFinance select projects for investment?

All projects are carefully assessed by an experienced team of HeavyFinance. We evaluate both the project itself and the owner’s credit history to assign the credit score to each project. Credit scores varies from A+ (low risk) to C (higher risk – higher return) and are based on more than 10 criterias including financial health, years in business, amount of land, attractiveness of collateral, etc.

Who is permitted to invest on HeavyFinance?

Investing using the HeavyFinance crowdfunding platform is permitted to natural persons who have reached the age of majority and all legal entities. Prior to making an investment, it is important to confirm your identity via the verification process. Registering on HeavyFinance is not allowed only for residents of countries on the sanction list of the EU and the United Nations.

What measures does HeavyFinance take to ensure loan security?

Depending on the project, various measures can be taken to ensure the security of the loan. Here are some of them: Pledge of property by the primary mortgage; Civil and Comprehensive vehicle insurance, where the HeavyFinance platform is indicated as the beneficiary.

Why do I need proof of my income before starting investing?

HeavyFinance must implement the measures for the prevention of money laundering and terrorist financing established by the legal acts, therefore, before establishing the business relationship, the identity of each user has to be authenticated. Therefore, HeavyFinance is obliged to ask investors to prove their income source to be able to invest in the projects on the platform.

Glossary of investment terms

Check out the commonly used investing terms on HeavyFinance