Item: LANDE
Rating: 0.0
Author: Crowdinform

Lande is a platform to invest in farming loans and earn interest up to 12.18% per annum.

LANDE is a European crowdfunding/crowdlending platform that connects investors with secured agricultural loans for farmers and agribusiness projects across countries like Latvia, Lithuania, and Romania. Investors can start with a minimum investment (often ~€50) and choose from loans backed by real collateral such as land, machinery, or harvest yields, with typical annual returns around ~10–12 %. Loan terms generally range from short-to-medium durations (often ~9–36 months) depending on the project type.

The platform operates under the European Crowdfunding Service Provider (ECSP) licence, offering regulatory oversight and cross-EU access. LANDE provides auto-invest and a secondary market for flexibility, but investments are not covered by deposit insurance and carry credit and liquidity risk. While loans are collateralised, there is no formal buyback guarantee, so investor capital remains at risk if borrowers default.

Overall, LANDE appeals to investors seeking higher-yield exposure to the agricultural sector with tangible asset backing, balanced against the inherent risks of farmland and agribusiness lending.

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Useful Information

What investments does LANDE offer?

On LANDE investors can invest in agricultural loans starting from 100 EUR. Loans are issued to farmers from Lithuania and Latvia.

Loans are mainly issued for funding land acquisition, cattle/ livestock acquisition, working capital, and machinery purchases

Why invest on LANDE?

Supporting agricultural business is very important;

Good returns 10.9%

How does LANDE work?

LANDE operates as a crowdfunding/ crowdlending platform focusing on agricultural loans.

LANDE connects people who want to invest money and farmers who need funding to develop their businesses.

Farmers are posting their projects on LANDE, if the project meets the criteria it becomes available for investors to invest. As a result, investors receive fixed income in the form of interest for their money and farmers gain alternative funding sources for business development.

What is a risk when investing on LANDE?

Investors are providing loans to businesses thus they should focus on two main risks. First, will the borrower be able to repay a loan from its operational activity. To do so investors have to evaluate borrowers’ financial activity, business model, team, and market and make a judgment will company be able to fulfill their obligations.

It should be mentioned that agricultural businesses are not easy to evaluate, it is mostly seasonal, sometimes dependent on subsidies, prices for products are volatile, and of course, weather plays a crucial role.

The current default rate is around 5% which bit higher than the average SME default rate in Europe which is considered acceptable for the alternative finance industry.

The second factor is collateral. All loans are secured with additional assets so you have to understand in case of default will value of assets be sufficient to cover your loans.

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