Heavy Finance Referral Code

This is not a bank offering advisory services — it is an agricultural lending platform, and the company has also changed its name.

HeavyFinance is a Lithuanian crowdfunding platform through which investors lend money to farms. It is not a bank, it offers no banking services, and there is no advisory business. The company rebranded to InSoil in April 2025, a change made to reflect a focus on soil health and carbon credits alongside the lending.

Founded in 2020, it lends to small and medium-sized agricultural businesses across several European countries, funded by individual investors through the platform. Loans are secured: reported terms are first-lien collateral on farmland at up to 90% loan-to-value, or on heavy equipment at up to 70%. It has deployed well over €75 million, and alongside the lending it runs a carbon-farming programme and a fund backed in part by the European Investment Fund.

It holds a European Crowdfunding Service Provider (ECSP) licence from the Bank of Lithuania, granted in July 2023 — a regime worth understanding, since it covers most European platforms of this kind and is routinely misread. Under the EU crowdfunding rules a licensed platform must give you a key investment information sheet for each offering, must put non-sophisticated investors through an entry knowledge test and a simulation of their ability to bear loss, and must provide a pre-contractual reflection period during which an investment offer can be withdrawn without penalty and without giving a reason.

Those are real protections, and more than most of this sector had before 2023. But they protect the process, not the money. A crowdfunding licence is not a banking licence, there is no deposit guarantee, and nothing in the regime makes you whole if a farm does not repay — the knowledge test exists precisely because the regulator expects people to lose money here.

The risk is not theoretical. Reported default and delay rates run at roughly 9–12% of principal. Secured lending means a claim on land or machinery if a borrower fails, which is genuinely better than unsecured consumer credit, but enforcing security takes time, costs money, and recovers a portion rather than the whole. The loans are also typically repaid in a single sum at the end of the term rather than in instalments, so you are exposed for the full term and there is little to do if you change your mind.

The referral has an unusual structure worth naming. It pays in three parts: €5 when your friend confirms registration by connecting a bank account, €10 when they make their first investment, and — the part that matters — 2% of each investment they make. Their qualifying step is investing at least €100 within 30 days, participation requires a connected Paysera wallet, and rewards are capped at €2,000 per calendar month.

That third component is not a referral bonus in the ordinary sense — it is a continuing share of someone else's investing, and the objection this site has raised on similar structures elsewhere is sharper here because the underlying activity is risky. You earn more the more your friend puts in, including money they should not be putting in, which is a straightforward conflict of interest that does not become acceptable because the percentage is small. It rewards volume rather than suitability: nothing in the 2% asks whether farm lending suits the person you introduced, or whether they understood the knowledge test they clicked through. So disclose it — "I get a small percentage of whatever you invest" is one sentence, and anyone who would be annoyed to learn it later is someone you should have told. The cap also tells you the design intent: €2,000 a month at 2% implies someone referring people who invest six figures a year, which is built for people with an audience rather than for telling a friend.

The fair closing word: lending to farms transitioning to lower-impact methods is a real activity with a real social case, the security arrangements are more substantial than most of this sector, and an EU licence with an institutional investor alongside you is a meaningful signal. None of that makes it a savings product. Money here should be money you can afford to lose, and the name to look for now is InSoil.