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Earn double-digit returns while helping farmers

Register today See open projects

HeavyFinance is a lending marketplace, where farmers meet investors. We provide you with an opportunity to invest in agricultural loans to increase efficiency in Portuguese, Polish, Lithuanian, Latvian and Bulgarian farms.

% 0
Avg. Return
€ 0
Interest earned
€ 0
Money lent
  • €96 earned in Lithuania
  • €69 earned in Poland
  • €103 earned in Bulgaria
  • €55 earned in Lithuania
  • €91 earned in Portugal
  • €115 earned in Latvia
  • €59 earned in Lithuania
  • €88 earned in Bulgaria
  • €71 earned in Poland
  • €77 earned in Poland
  • €112 earned in Portugal
  • €79 earned in Latvia

Why should I invest through HeavyFinance?

1. Safe investments, high returns

Our investors earn a weighted average 11.82% 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.

2. 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. 

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).

Agricultural loans waiting for your investments

Bulgaria
BG0000633

B+

Risk rating

33

Months

70%

LTV

Raised:

43 783 €

Goal:

67 970 €

Left:

 

Yearly return rate: Up to 13.2%

Bulgaria
BG0000730

A

Risk rating

36

Months

60%

LTV

Raised:

7 320 €

Goal:

15 500 €

Left:

 

Yearly return rate: Up to 11.5%

Latvia
LV0000726

B+

Risk rating

38

Months

94%

LTV

Raised:

7 461 €

Goal:

26 000 €

Left:

 

Yearly return rate: Up to 11.5%

Lithuania
LT0000733

C+

Risk rating

31

Months

45%

LTV

Raised:

11 171 €

Goal:

20 000 €

Left:

 

Yearly return rate: Up to 13%

Poland
PL0000740

B

Risk rating

36

Months

45%

LTV

Raised:

9 668 €

Goal:

12 219 €

Left:

 

Yearly return rate: Up to 13.5%

Bulgaria
BG0000741

B+

Risk rating

27

Months

-

LTV

Raised:

2 846 €

Goal:

12 000 €

Left:

 

Yearly return rate: Up to 14.5%

Portugal
PT0000755

B

Risk rating

48

Months

-

LTV

Raised:

7 924 €

Goal:

8 500 €

Left:

 

Yearly return rate: Up to 16%

Lithuania
LT0000754

B+

Risk rating

12

Months

-

LTV

Raised:

5 188 €

Goal:

11 000 €

Left:

 

Yearly return rate: Up to 12.5%

See all projects

How does it work?

1.Register

Simply create your account and submit proof of identity.

2.Make a bank transfer to your virtual account

Your transaction will be processed in seconds, regardless of the week’s time and day.

3.Choose a project to finance

We already assigned credit risk ranking to each loan but you can do your own due diligence. Browse loans yourself or use the automatic investment feature not to miss on the best projects.

4.Funding

Other investors are joining you to fully finance the project. After the funding process is over, we collect final documents from the farmer to put your money at work safely.

5.Interest

Congrats, you are getting passive income from investing in agriculture!

Start investing

Agriculture is not just cows, sows and ploughs

A fact sheet for investors:

Agricultural production in the EU by the millions of predominantly small farms adds up to being big business, even without considering its importance as the key building block for the downstream food and beverage processing industry. The agricultural sector contributed EUR 173.3 billion towards the EU’s overall GDP in 2020. To put this in some context, the contribution of agriculture to the EU’s economy was slightly more than the GDP of Greece in 2020, the 16th largest economy among the EU Member States.

In 2019, €38.2 billion was spent on direct payments to farmers and €13.8 billion on rural development. A further €2.4 billion supported the market for agricultural products.

Green deal coming from the EU is largely focused on modernising the agricultural sector [5], which means heavy investments into machinery, optimisation and technology.

This is where we step in – by opening investments in agricultural loans, we offer our investors direct exposure to small and medium farmers, which is a backbone of the whole farming sector

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