LANDE
European agricultural loans guaranteed by land and equipment.
Crowdscope score
Volume
57 M€
Investors
10k
2nd market
Yes
Auto-invest
Yes
Avg. duration
20 months
Default rate
0%
Score breakdown
Each criterion rated from 0 to 10 then weighted.
About LANDE
Overview of the platform, its framework and risk profile.
Originating from Latvia, Lande has established itself as a pioneering and unique platform in the European crowdfunding universe. Its mission is as noble as it is essential: to bridge the financial gap that often weakens the agricultural world by offering farmers agile financing solutions, while opening the doors of a vital and tangible sector to investors.
Expertise from the Land
Lande doesn't just lend; it understands the harvest cycle and the realities on the ground. The platform specializes in secured credit for the agricultural sector, where loans are systematically backed by real assets: agricultural machinery, arable land, or future harvests. This pragmatic approach supports farm modernization while offering robust protection to those who finance them.
A Strict Security Framework
Operating under the status of a Crowdfunding Service Provider (PSFP), Lande evolves within a strict European regulatory framework. Each project undergoes meticulous risk analysis, including expert assessments of collateral values. This rigor ensures total transparency and professional file management, from online listing to final repayment.
Risk Profile & Horizon
Investing in Lande means choosing to disconnect from traditional financial markets to turn towards the real economy.
- Risk controlled by collateral: Lande's strength lies in its tangible guarantees (LTV — Loan to Value — often conservative), reducing the impact of a potential default.
- Performance and duration: with attractive returns and project durations generally ranging from 6 to 24 months, the platform offers excellent visibility and rapid capital turnover.
"With Lande, savings no longer sleep: they become the engine of food sovereignty and the unwavering support for those who feed Europe."
Current Climate & Sentiment
Our reading of the community climate and trust surrounding the platform.
The climate on Lande is currently contrasted. While the platform shows signs of growth and professionalization, it faces increasing criticism from experienced investors regarding technical ergonomics and delay management.
1. Growth dynamics and customer support
- Team strengthening: facing administrative delays (KYC/KYB verification process), Lande has officially hired new investor relations managers to ease the burden on support.
- Pending technical improvements: the sentiment regarding the interface is mixed. Investors have long been demanding more advanced filtering tools and portfolio graphs, tired of having to extract CSV files to analyze their data. Management states that these projects are underway, but slowed down by other technical priorities.
- Announced new features: the upcoming arrival of card payments (free for amounts over €500) is viewed positively, although some users remain wary of hidden bank fees related to the platform's merchant code.
2. Performance and risk management
- Concerns about delays and defaults: a cautious wind blows among new investors who observe a significant number of overdue projects (+90 days) in the secondary market. The platform reminds that its model relies on collateral guarantee (machinery, land) and not on a buyback obligation, which implies sometimes long recovery periods.
- Focus on the Polish market: questions persist about the effectiveness of recoveries in Poland. Management has promised a specific report to reassure about the solidity of its legal and local procedures in this country.
- Support for the agricultural sector: Nikita (CEO) maintains a reassuring discourse on the sector, highlighting the strategic role of agriculture for the EU's food security and constant government support (diesel subsidies, tax aid in Latvia and Romania) to support farmers in the face of inflation.
3. Evolution of financial products
- Redefinition of loan types: Lande seeks to clarify its communication on so-called "Full Bullet" loans. Most of them include partial repayments during the year, so they could be renamed "Seasonal Repayments" or "Periodic" to better align with the reality of agricultural cycles.
- Rate transparency: the platform has confirmed that the new interest rates would apply to all investments, even those made just before official announcements, a gesture appreciated for fairness among users.
💡 Crowdscope's opinion — In 2026, Lande is going through a phase of maturity. The overall sentiment is that of a solid but "slow" platform (in its processes and recoveries). It remains popular for its tangible asset (agriculture), but must imperatively modernize its dashboard to satisfy an increasingly demanding investor base regarding data management.
Crowdscope editorial analysis · August 2026. Synthesis of observed community discussions, non-sponsored.
Guarantees
- Nantissement
- Hypothèque
Conditions
- Minimum ticket
- 50 €
- Indicative yield
- 13%
- Average duration
- 20 months
- Status
- ECSP
Warning
Investing carries a risk of partial or total capital loss. Displayed yields are indicative and not guaranteed.
Discover LANDE
Head to the official website to open an account and explore the investment opportunities offered by LANDE.
Crowdscope receives no commission from this platform — link provided for informational purposes. Investing involves a risk of capital loss.
Compare LANDE with similar platforms
Side-by-side comparisons on score, yield, guarantees, liquidity and regulation.
LANDE — frequently asked questions
Is LANDE a safe crowdlending platform?
LANDE scores 65/100 in the Crowdscope framework. It operates from Latvia since 2019, under the ECSP status, with a reported default rate of 0%. Loans are backed by: Nantissement, Hypothèque. No crowdlending platform is risk-free: capital is at risk and past performance does not predict future returns.
What return can you expect on LANDE?
The indicative yield advertised on LANDE is around 13% per year, before defaults, recovery delays and cash drag. The net return observed by investors is usually lower.
Does LANDE have a secondary market?
Yes, LANDE operates a secondary market, so positions can be listed for sale before maturity. Actual liquidity still depends on buyer demand and may require a discount.
What is the minimum investment on LANDE?
The minimum investment per loan on LANDE is 50 EUR, with an average duration of 20 months.
Is LANDE regulated?
LANDE operates under the ECSP regime. ECSP means the platform holds the European Crowdfunding Service Provider licence supervised by a national regulator; other statuses indicate a national regime or the absence of a dedicated crowdfunding licence.
Last updated: · Reviewed by the Crowdscope editorial team