HeavyFinance review 2025
Read this HeavyFinance review to learn if you should invest via the platform.
Heavy Finance
Pros
Cons
Heavy Finance review summary:
Heavy Finance is one of the best P2B lending platforms for investing in secure agricultural loans. On the site, you can invest in asset-backed loans with an average yearly return of more than 12%. Heavy Finance provides auto-investing, secondary market, and withdrawal options that can make investing more convenient. The platform was founded by an experienced team that has previously built other successful P2P lending platforms. Heavy Finance has an expected default rate of 5%.
It’s 100% free to open an account
Introduction to our HeavyFinance review
This HeavyFinance review helps you decide if the platform suits your investment needs. It reflects only our opinion, not financial advice. The outline below covers each topic — just click for more details.
Learn about the following in our HeavyFinance review:
- What is HeavyFinance?
- What is the return on HeavyFinance?
- Is it safe to invest on HeavyFinance?
- Who can invest on HeavyFinance?
- How to invest on HeavyFinance?
- How to withdraw money from HeavyFinance?
- What are the best HeavyFinance alternatives?
- Conclusion of our HeavyFinance review
What is HeavyFinance?
HeavyFinance is a Lithuania-based crowdfunding platform that launched in June 2020. It specializes in agricultural loans and offers advertised returns of up to 14%. The platform was co-founded by Andrius Liukaitis, Laimonas Noreika, and Darius Verseckas.
HeavyFinance connects investors with small and medium-sized farmers who need financing for sustainable agriculture projects. Investors can open an account with a minimum of €100 and choose from a range of loans backed by collateral, mainly farmland or heavy agricultural equipment.
The platform has attracted around 13,000 investors. These investors have funded more than €70 million in loans, supporting climate-friendly farming practices across several European countries.
HeavyFinance is regulated under the European Crowdfunding Service Providers (ECSP) framework by the European Securities and Markets Authority (ESMA).
HeavyFinance statistics:
| Launched: | 2020 |
| Investors: | 13,000 + |
| Interest rate: | 10 – 14 % |
| Loan period: | 4 – 48 months |
| Loan type: | Agricultural |
| Loans funded: | € 70,000,000 + |
| Min. investment: | € 100 |
| Max. investment: | Unlimited |
HeavyFinance Trustpilot rating
HeavyFinance has received a TrustScore of 3.2/5 based on 17 reviews on Trustpilot. While some investors praise its unique focus on agricultural funding, decent returns, and occasional improvements in default management, others criticize slow collateral recovery, inconsistent risk ratings, and difficulties in contacting customer support. Despite these issues, many users remain cautiously optimistic about the platform’s growth and ongoing refinements.
What is the return on HeavyFinance?
HeavyFinance’s average annual investment return is 13.22%. This positions the platform among the higher-yielding P2B lending options, suggesting that investors may experience above-average growth potential. However, higher returns frequently go hand in hand with greater risk, which can take the form of defaults or extended recovery processes that reduce actual earnings.
The interest rates on HeavyFinance ranges from 10% to 14%, indicating a noteworthy spread yet still aligned with typical P2B lending platforms. Although some periods show relatively stable returns, performance can fluctuate when idle capital is not promptly matched to new loans, resulting in cash drag and lower effective yields.
Time-limited welcome bonus
Readers of this HeavyFinance review are eligible for a 2% cashback bonus on all investments for 30 days. To unlock this time-limited offer, new investors must sign up using the button below and invest at least €100. No HeavyFinance promo code is required.
Does HeavyFinance withhold taxes?
HeavyFinance is legally required to withhold taxes on interest income from loans on its platform. This can make handling your taxes more complex than on platforms such as LANDE, Maclear, or Esketit, which do not withhold taxes.
The standard withholding tax rate on HeavyFinance is 15% for non-Lithuanian residents.
Is it safe to invest on HeavyFinance?
HeavyFinance is not one of the safest P2B lending platforms in Europe. Its 10.11% default rate highlights the high-risk nature of the loans, raising concerns for investors seeking a reliable platform.
HeavyFinance is regulated under the European Crowdfunding Service Providers (ECSP) framework by the European Securities and Markets Authority (ESMA). Such regulation indicates that the platform is legit and not a scam, offering a measure of reliability through increased transparency and oversight.
Loan default risk
There is always a chance that the borrower won’t be able to pay back the mortgage. Your financial situation is at stake here.
HeavyFinance takes numerous steps to reduce this risk by requiring collateral on loans. Here are the different types of collateral on the platform:
- Arable land
- Heavy equipment
- State guarantee
- Personal accountability
You can compare HeavyFinance to some of the best Peer-to-Peer lending sites here.
How solid is the company?
HeavyFinance publishes audited annual reports on its website. Among other things, these annual reports show the platform’s financial stability and health.
In its audited annual report for 2021, HeavyFinance had a loss of 617,141 euros. This is quite normal for a new company in its initial growth phase.
HeavyFinance also appears to be reasonably safe as the company is regulated by the Bank of Lithuania.
And since one of the founders was the previous founder of the long-lasting P2P lending platform FinBee, one would expect HeavyFinance to prosper over the long term.
In December 2021, the business additionally received $1 million from venture capitalists.
Two-factor authentication
HeavyFinance offers two-factor authentication (2FA) to strengthen account security. This feature generates unique, time-based passcodes to protect investor funds from unauthorized access. Since hackers have targeted P2P lending platforms in the past, enabling 2FA is strongly recommended.
Who can invest on HeavyFinance?
It is possible for both private individuals and companies to invest via the HeavyFinance marketplace.
Individuals
To create a user as an individual, you must meet the following requirements:
- Be a least 18 years old
- Have an active bank account
If you meet the above criteria, you can start investing via HeavyFinance.
Companies
If you own a business, you can invest with HeavyFinance as well. Both businesses and people must abide by the same rules.
How to invest on HeavyFinance?
Before you can start investing on HeavyFinance, you must complete the following steps:
- Sign up on the HeavyFinance website.
- Verify your identity.
- Complete the KYC questionnaire.
- Deposit funds into your account.
The entire registration process usually takes about 5-10 minutes, including signing up, verifying your identity, filling out any required questionnaires, and making your first deposit.
You can deposit money into your HeavyFinance account using SEPA transfers. The minimum deposit is €0.01, and funds typically arrive within 1-3 business days. It is only possible to deposit funds in Euros (EUR).
Once you have funded your account, you can start investing in agricultural loans on the platform. HeavyFinance allows you to invest manually by browsing available loans or automatically using an auto-invest strategy.
HeavyFinance auto-invest
HeavyFinance provides an auto-invest feature to automatically allocate funds into suitable loan investments based on each investor’s predefined criteria, saving time and simplifying the investment process.
The auto-invest tool enables you to configure key parameters, including portfolio size, loan duration, interest rate, loan type, risk class, loan-to-value (LTV), and country. You can also automatically reinvest all returns.
Setting up a HeavyFinance auto-invest strategy only takes 1 minute, and your funds should be invested within a few hours. If your auto-invest is not working, it is usually due to a lack of loans that meet your criteria. This can happen when your filters are too narrow or when no suitable loans are available.
How to withdraw money from HeavyFinance?
You can withdraw your uninvested funds from HeavyFinance at any time using the withdrawal section of your investor account. The minimum withdrawal amount is €0.01 and it usually takes 1-2 business days for your funds to arrive in your bank account.
HeavyFinance does not charge any fees for withdrawing funds from your account, but your bank may charge fees for receiving international transfers.
To exit HeavyFinance, you must first turn off all auto-invest strategies and sell any existing loans on the secondary market. If you hold non-performing loans, the platform must first recover the underlying debt before allowing withdrawals, which can negatively affect your liquidity.
HeavyFinance secondary market
HeavyFinance offers a secondary market for all its investments, enabling investors to sell their loans before maturity. While sellers are charged a transaction fee of 1%, buyers can use the secondary market without any fees.
The time it takes to sell investments on the HeavyFinance secondary market varies based on the price set by the seller and current market conditions. Sellers can list loans at face value or add discounts or premiums to attract buyers.
While HeavyFinance offers a decent secondary market with moderate fees, LANDE can be a better alternative for investors seeking a secondary market with zero fees.
What are the best HeavyFinance alternatives?
Some of the best alternatives to HeavyFinance are LANDE, Debitum Investments and Maclear.
Conclusion of our HeavyFinance review
HeavyFinance is one of the best P2B lending platforms for investing in collateral-backed agricultural loans. The platform stands out from its competitors by concentrating on farmland and heavy farming equipment as collateral, appealing to investors seeking tangible asset security in an often-volatile lending market.
While HeavyFinance offers an average annual return above 12%, a regulated structure under the Bank of Lithuania, and a user-friendly secondary market, some loans experience delays, and the absence of a mobile app can limit on-the-go management.
HeavyFinance is worth considering for investors who appreciate the reliability of asset-backed loans, want exposure to sustainable agriculture, and can handle moderate default risk. It may not be a good fit for those seeking a broader range of investment types. If you prefer a more diversified portfolio outside the agricultural sector, explore other P2B lending platforms.
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