Heavy Finance Review

Earn on average 11.87% interest per year
Your investment is secured by a collateral.

  • Invest in agricultural loans
  • Earn up to 14% per year
  • New P2B platform
  • Backed by heavy machinery
Risk & Return
Buyback GuaranteeNo
Auto InvestYes
Secondary MarketYes
Min. Investment€100
Loan Originators1
Loan TypeBusiness
Loan Period12 - 36 months
Interest10% - 14%
  • Loans secured by collateral
  • New and unique P2P platform
  • Higher liquidity of the collateral
  • Investors need to have a Paysera account
  • No track record
  • Limited diversification
_Risk & Return
_Due Diligence

Heavy Finance Review

Heavy Finance is a recently launched P2B lending platform that is regulated by the Bank of Lithuania. What’s unique about Heavy Finance is the fact that all the listed loans are secured by heavy machinery. As an investor on Heavy Finance, you can expect to earn an average interest of 11.87% per year by investing in agricultural loans. Find out more about Heavy Finance in our in-depth review.

heavy finance review

⭐ Learn more about our rating criteria

Heavy Finance News

Last update: 15/02/2021
  • 15/02/2021 - Heavy Finance is expanding to Portugal
  • 09/02/2021 - Heavy Finance is expanding to Bulgaria
  • 04/02/2021 - Heavy Finance publishes its annual review for 2020

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Heavy Finance in Numbers

While HeavyFinance presents itself as a marketplace it’s much more of a P2B platform. This P2P lending project has been just founded in 2020 so there’s not much available data yet.

Let’s have a look at the company’s numbers:

Heavy Finance Statistics
Year founded:2020
Investor's earnings:+ €48,300
Total loan value:+ €2.4 M
Number of investors:+ 450
Loss of investors' money:0%
Average portfolio size:-
Latest financial report:Annual report for 2020

Heavy Finance Promo Code

Currently, we aren’t aware of any Heavy Finance promo code or cashback bonuses for new investors. You will find all the currently available promo offers in our cashback bonus section.

Heavy Finance New User Requirements

In order to sign up and use Heavy Finance you need to fulfill the following requirements:

  1. Be over 18 years old
  2. Have a Paysera account in your name
  3. Fill in the KYC questionnaire

Paysera is a third-party payment provider which offers payment service to Heavy Finance but also other European P2P lending sites such as InRento. In order to be able to invest on HeavyFinance you are required to download the Paysera app, top up your account and connect it to HeavyFinance.

For further instruction on how to link your Paysera account to HeavyFinance, please refer to the FAQ section on the website.

The HeavyFinance platform allows you to invest as a private individual or as a company. During your registration process, you will need to submit your personal information such as your tax residency, address, birth date and gender.

Ready to become a Heavy Finance investor?

Risk and Return

Investing in loans is risky on any P2P lending platform. Heavy Finance mitigates some of the risks by taking heavy machinery as collateral.

Every investor on Heavy Finance should read the risk disclosure and be aware of the possibility that he or she might lose money.

The value of the collateral can change over time, and there’s no guarantee that, in the case of borrower’s default, the collateral can be liquidated and your investments will be repaid.

You should know that in every case, HeavyFinance is the beneficiary of the collateral. In the case, where the borrower cannot repay the debt, the collateral will be sold to cover the debt.

If the debt cannot be covered with the sale of the collateral, the borrower will need to repay the outstanding amount.

Project Overview

Every loan comes with a solid project description, where you will find further information about the collateral as well as the mortgage.

The projects on HeavyFinance are typically being used to expand the land or purchase new equipment that will help to expand the business operations of farmers.

The pledge is typically farm land as well as heavy machinery.

Every property that is being used as collateral comes with a valuation report, that you can find in the project overview. In addition to this report, you can also view financial statements or the crops declaration of the borrower.

What’s worth mentioning is that the interest rate is dependent on your investment amount. The more you invest, the higher the return.

Every project comes with some photos of the collateral as well as a risk scoring by HeavyFinance.

If you click on “detailed information” you can also learn more about the LTV (loan to current asset value ratio) which is a good indicator when evaluating mortgage backed loans.

The loan period on HeavyFinance is typically between 24 and 36 months and the borrower also provides financial numbers for the last two years.

heavy finance project

Is Heavy Finance Safe?

The risk of investing on a newly launched platform with little to none track record is always higher.

This is not necessarily the case of HeavyFinance.

The platform is backed by StartUp Wise Guys, which is an investment fund that helped finance EstateGuru, EvoEstate andInRento.

Who Runs the Company?

Heavy Finance is run by the founder and owner Laimonas Noreika, who is the co-founder of a successful P2P lending platform FinBee.

Laimonas has exited FinBee in 2020 to launch a completely unique P2P platform that offers investments backed by heavy machinery.

Laimonas brings a lot of experience from the fintech scene to the table. He has also partnered up with Rytis Darganivicius who brings know-how about agricultural machinery. Rytis is also the person responsible for the evaluation of heavy machinery which is being used as collateral for your investments on HeavyFinance.

👉 How to Conduct Your Own Due Diligence in 10 Minutes

Are there any suspicious Terms and Conditions?

When reading the terms and conditions and loan agreements, you will notice that Heavy Finance is very precise and transparent.

You should certainly read the user terms to familiarize yourself with the terms and the fees that you will have to pay for administering delayed payments as well as for any secondary market transaction.

Heavy Finance will charge you 0.1% from the overdue amount for every delayed day that the borrower is delayed with the payment.

In addition to this, you as a seller will be charged a 1% secondary market fee.

Clause 3.2 - Storage of Funds

As already mentioned, in order to participate in crowdfunding on Heavy Finance, you have to have a Paysera account. Heavy Finance doesn’t store your funds on separated business accounts.

Clause 14 - Amendments

Unless there’s a change in fees, you will get notified about the amendments to terms and conditions on the day specified by Heavy Finance, which can be on the date when new terms and conditions get into effect.

If Heavy Finance decides to change its pricing policy, you will be notified 14 days in advance.

👉 Is Peer-to-Peer Lending Safe?

Potential Red Flags

  • Heavy Finance may amend terms and conditions without prior notice
Learn more about possible red flags here.

What’s Our Opinion About Heavy Finance?

Experienced investors can clearly see that Heavy Finance is run by an entrepreneur that knows how to build up a crowdfunding platform.

All the terms and legal documents are publicly available on the platform. The website has an about us page, where the most key employees are introduced.

Despite the short track record, Heavy Finance also presents its statistics which is often not the case with newly launched platforms.

The project description is very clear and transparent and much more user-friendly as most project overviews on EvoEstate.

HeavyFinance is also using the crowdfunding platform aggregator EvoEstate to co-finance their projects. We have invested into one project by Heavy Finance on EvoEstate to track the performance of this crowdfunding platform.

Ready to earn money with Heavy Finance?


Heavy Finance is a very ease-to-use platform. The only frustration you might encounter is to open a dedicated Paysera account.

If you don’t have one yet, you can also use EvoEstate to fund projects by Heavy Finance.

Heavy Finance allows you to invest manually into individual projects or set up the Auto Invest and automate this process.

Auto Invest

The Auto Invest on Heavy Finance is a rather new feature. This tool allows you to define the investment amount, interest rate, loan duration, risk class, loan type, LTV and country.

This Auto Invest is clearly not useful, as there aren’t as many projects available, and as of right now, you can only invest in loans from Lithuania.

The Auto Invest on Heavy Finance will help you to automate your investments, in case that you don’t want to be analyzing individual projects by yourself.

heavy finance auto invest

How Fast Can You Withdraw Your Money?

Heavy Finance does offer a secondary market, which is not always the case in the peer-to-business sector.

We haven’t tested this feature on Heavy Finance, which is why we can’t comment on the period it takes to sell your investments.

Heavy Finance does allow you to offer a discount or premium for your loan which may influence the period until your investment is sold and you can withdraw your money.

Note, however, that Heavy Finance charges a 1% secondary market fee for your sales on the secondary market.

Customer Support

Heavy Finance doesn’t have a live chat support yet, but you can contact them via their contact form or simply send an email to

The website also offers a dedicated FAQ page, where you are likely to find your answers instantly.

Some of your questions might also get resolved by reading the terms and conditions.

Heavy Finance Review Summary

Heavy Finance is certainly an interesting platform for the more sophisticated investors, who like to add agricultural loans, backed by heavy machinery, into their P2P portfolio. While the track record of Heavy Finance is rather short, there’s certainly potential for growth. Our Heavy Finance review leaves us with good impressions.

Key Takeaways from our Heavy Finance Review

  • Backed by heavy machinery & mortgage
  • Interesting product for more experienced investors
  • Secondary market and Auto Invest
  • Regulated by the Bank of Lithuania

If you are looking for a way to invest in agricultural loans on a regulated crowdfunding platform, Heavy Finance is your best choice.

Ready to become to make money from agricultural loans?

Or explore other real estate platforms.


What’s the minimum investment amount on Heavy Finance?

The minimum investment amount on Heavy Finance is just €100. There is currently no maximum investment amount on Heavy Finance.

How is my investment secured?

Your investment on Heavy Finance is typically secured by a first-rank mortgage on agricultural land as well as heavy machinery. You can learn more about the securities of every loan in the project overview.

Does Heavy Finance offer a secondary market?

Heavy Finance offers a secondary market, where you can sell or buy claims against borrowers from other investors. Note, that HeavyFinance charges a 1% secondary market fee for the sellers.

Does Heavy Finance offer an Auto Invest?

Heavy Finance offers an Auto Invest, that allows you to define your preferred criteria and automate your investments.

Company Information
Company:UAB „Heavy Finance“
Address:Birutės g. 18-1, Vilnius, Lithuania
Phone:+370 617 34360
Live Chat:No
Opening Hours:Weekdays from 9AM to 4PM
Social Media:Facebook, Instagram, LinkedIn