Lande
Latvia · Agriculture · Founded 2019
Our score
Average return
11.2%
platform average
Our verdict
Lande lends to farmers against grain, land and machinery, and that collateral is the entire proposition. There is no buyback here, which sounds worse than it is: instead of a promise from a lender that may itself be in trouble, you have a claim on a physical asset with a market price. Recovery on defaults has been slow but real. The risks are seasonal and weather-dependent in a way nothing else in this table is, and your capital is committed for the length of the harvest cycle.
What works
- Real, valued collateral — grain, agricultural land and machinery — instead of a buyback promise
- ECSPR licensed in Latvia
- Exceptional transparency: you can see the farm, the crop, the loan-to-value and the security documents
- Agricultural credit correlates poorly with consumer credit, which is useful in a portfolio
What doesn't
- No buyback guarantee — recovery depends on enforcing security, which takes months
- Exposed to weather, harvest quality and commodity prices
- No secondary market and terms tied to the agricultural cycle
- Small platform with limited loan supply
Who this is for
Investors who prefer collateral they can value over guarantees they cannot, and who can leave money committed for a full season.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: lande.finance · Sep 18, 2026 · €66m funded; 11,364 investors; loan-to-value 40–60%; ECSPR licence from Latvijas Banka
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.