Lithuanian AgriTech Lender InSoil Secures €120 Million Private Credit Facility from Pollen Street Capital to Expand Regenerative Agriculture Lending Across Europe
InSoil, a Lithuanian fintech lender focused on agricultural small and medium-sized enterprises (SMEs), has secured a €120 million credit facility from Pollen Street Capital, a London-based private credit and private equity manager. The facility is described as one of the largest private credit (lending by non-bank institutions, which has grown rapidly as banks have retrenched from specialist lending) commitments to date for sustainable agriculture lending in Europe. InSoil has already financed more than 3,500 agricultural SMEs and will use the facility to expand regenerative agriculture — farming practices designed to restore soil health and reduce carbon emissions — lending capacity. Pollen Street Capital's participation marks a continuation of the London private credit market's appetite for specialist lending strategies in European growth sectors, particularly where bank appetite is constrained by capital requirements. The deal sits within a broader cluster of European agricultural technology and climate-linked lending activity in 2026, with several parallel raises across soil health monitoring, bio-based inputs, and agri-infrastructure lending reported alongside InSoil's facility.
Why this matters
A €120 million private credit commitment by Pollen Street Capital to a Baltic agricultural lender illustrates how London-headquartered managers continue to deploy capital into specialist European SME credit markets that mainstream banks have vacated. For banking and finance lawyers, this type of facility involves structuring bespoke credit agreements for non-standard collateral — agricultural receivables and land-linked assets — which require careful security package design. The sustainable agriculture angle adds an ESG (environmental, social and governance) lending dimension, potentially requiring compliance with green lending framework standards. The deal also points to continued growth in fund finance and direct lending mandates as private credit managers deploy capital at pace in H2 2026.
On the Ground
A trainee on a private credit facility of this type would manage the conditions precedent (CP) checklist, tracking the delivery of security documents such as assignment of loan receivables and any required regulatory consents before the facility becomes available for drawdown. They would also coordinate legal opinion requests from Lithuanian local counsel to confirm the enforceability of the security package under local law.
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“What are the key legal risks for a private credit fund lending to agricultural SMEs in a Baltic jurisdiction, and how would you structure the security package?”
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