11.2% return per year

With highly secured agricultural loans

  • Secured by land & machinery

  • EU-supervised and regulated

  • Monthly interest for passive income

  • Ideal diversification for investors

Hero illustration: investors and farm assets

9111

Investors

41 million €

Loan volume

5+

Years on the market

1500+

Supported farmers

Why invest in agricultural loans in the EU?

In addition to attractive 11.2% annual interest rates, agricultural loans offer a unique combination of high collateral and EU subsidies – in a crisis-resistant sector. Lande is the only platform that gives you exclusive access to precisely these loans.

High EU subsidies

Farmers receive regular EU subsidies that secure their long-term solvency. This support provides a high level of security and predictability for lenders.

Crisis-proof sector

Demand for agricultural products remains constant even in times of crisis. Agriculture is a non-cyclical consumer sector with high stability.

Secured loans

The loans are secured by land and machinery, with loan-to-value ratios between 40 and 60%. This protection significantly reduces the risk for investors.

How can we generate an 11.2% annual return for our investors?

Many EU farmers need immediate, short-term financing, for example, to replace broken harvesting equipment or to purchase and cultivate new land

We usually disburse loans within three to seven days, significantly faster than banks, whose processes often take months.

A crop failure or uncultivated land can cost farmers up to 50% of their annual profits – much more than the interest incurred on our loans.

Through this fast and targeted financing, we have already helped over 1,500 farmers in the EU while generating stable returns for our investors.

Through this fast and easy method of financing, we were able to help over 1,500 farmers in the EU already, while generating reliable returns for our investors.

Invest now
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    Building Trust and Partnership with LANDE

    The essence of the story is that, at first, I was approached by Latvian banks, but they were not interested in my thoughts and ideas. Then one day I saw a LANDE advertisement in an agricultural magazine, and since then we have been cooperating for 3 years. It has always been important for me to talk to people – to feel that it’s nice and easy to communicate. The LANDE team are approachable people, and that caught my attention.

    - Kristaps Gailis, farmer from Latvia

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    Grateful for Flexible and Fast Financing

    Today we received the loan. We would like to thank you for such flexible terms and promptness. We can only grow with partners like YOU! 🙂 The best feedback! Thank you.

    - Ūkininkas, farmer from Lithuania

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    Financing for the implementation of an LAD project

    I chose LANDE because it is able to quickly and efficiently provide financing. The evaluation and arrangement of all documents took place without delays, without unnecessary bureaucracy. I am very happy that I can start purchasing the necessary materials so that already this year I can harvest a larger strawberry crop than in previous years!

    - Jānis, farmer from Latvia

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Hero illustration: investors and farm assets

How investors are protected at LANDE

In order to offer investors the greatest possible security, stability and predictability, Lande relies on four interlocking protection mechanisms.

  • Regulated by the Latvian Central Bank and the European Securities and Markets Authority (ESMA)

  • EU-wide licensed crowdfunding platform in accordance with ECSPR and MiFID II standards since 2021

  • Annual financial statements are published regularly and audited by independent auditors

  • Investor funds are held securely in separate trust accounts with BNP Paribas and LemonWay

  • Each investor receives a personal virtual IBAN for transparent and traceable transactions

  • LANDE has been profitable since 2023 and has built a solid equity buffer for periods of economic challenges

  • Our strict scoring and due diligence system reviews a farmer's harvest history, financial ratios and subsidies beforehand

  • Loans are secured by land or machinery with a loan-to-value ratio of 40 to 60% as well as personal liability of the borrowers and their families

  • We only give out loans to economically stable farms after a strict selection process and careful review. This leads to a loan acceptance rate of less than 5%

  • The default rate remains stable at less than 5% thanks to our strict pre-selection procedure

  • Collateral such as land, machinery, and EU subsidies cover a large part of the potential losses

  • Our efficient collection processes allow us to recover the outstanding loan amounts quickly

Hero illustration: investors and farm assets

Current projects at LANDE

Project No. 22527327 image FG LT
LT

Project No. 22527327

  • Annual return 11%
  • Term 36m
  • LTV 39%
  • Collateral Type Machinery

Upcoming project

€ 13796.00

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Project No. 12572142 image FG RO

Project No. 12572142

  • Annual return 10%
  • Term 26m
  • LTV 35%
  • Collateral Type Machinery

Upcoming project

€ 14500.00

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Project No. 12557334 image FG RO

Project No. 12557334

  • Annual return 12%
  • Term 36m
  • LTV 56%
  • Collateral Type Land

Upcoming project

€ 57300.00

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View all

Real investors, real stories: success with LANDE

More customer testimonials

The service is really very friendly and incredibly quick to help. Overall, a great platform you can rely on. Thank you very much :)

I find the concept of the platform with secured agricultural loans really convincing. After almost two years with Lande, I have not had any negative experiences or loan defaults. The support team was also very friendly and quick to respond. I wish you continued success!

I mainly invest in dividend stocks, but wanted to diversify my income streams. At LANDE, I appreciate the high collateralisation and the strong return of over 11%. An ideal addition to my portfolio.

It is so easy to invest with LANDE

Easy to invest with LANDE
1

Register with LANDE

Create your personal account in just a few minutes. Registration is secure, simple and free.

2

Deposit money

Conveniently transfer money to your personal VIBAN account with LemonWay, which is managed by BNP Paribas. Your deposits can be viewed transparently at any time.

3

Invest in projects

Choose from tested agricultural loans with attractive returns. This allows you to support farmers and benefit from stable yields.

Investment process with LANDE

For dividend investors: more passive income - every month

Increase your dividend yield from 4% to up to 11.2% with monthly payouts

Returns are independent of the stock market and provide true diversification

Flexible terms starting from a few months ensure predictability and liquidity

€10,000 investment = €100 passive income per month.

LANDE compared to other P2P
platforms

Real estate crowdinvesting Consumer lending platforms
Return 10–14%, through real collateral 6–9%, partly speculative 5–12%, depending on platform
Collateral Land, machinery, harvest Construction projects, often speculative No
Loan-to-value ratio (LTV) ~40%, low default risks 60–80%, depending on the project Not applicable
Regulation EU-licensed, custody at BNP Inconsistently regulated Often hardly regulated
Retrieval Structured process, collateral Lengthy & limited Intransparent
Transparency Audits & Financial Reports Partially available Platform dependent
Investor accounts Separate & secure via BNP/Lemonway Not always separate Differently regulated
Project acceptance Only 5% pass the exam Higher quota, less filtering Not relevant

Latest press releases

Post image

LANDE Platform Performance Report – July 2025

Read the July 2025 edition of LANDE's Platform Performance Report, which we publish monthly to highlight our progress in loan issuance and debt collection and provide insight into other platform or team developments.

20.08.2025
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LANDE Platform Performance Report – June 2025

Read the June 2025 edition of LANDE's Platform Performance Report, which we publish monthly to highlight our progress in loan issuance and debt collection and provide insight into other platform or team developments.

22.07.2025
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LANDE Romania welcomes new Director to lead growth and innovation in agrifinance

LANDE is pleased to announce the appointment of Oana Zglobiu as the new Director of its Romanian operations.

07.07.2025

Frequently asked questions

LANDE is a European investment platform that connects investors with secured agricultural loans. Farmers receive funding backed by collateral such as land, machinery, or future harvests, while investors earn stable returns.

LANDE is EU-licensed, with funds held in custody at BNP Paribas through Lemonway. Loans are collateralized, and only projects that pass strict risk assessment (less than 5%) are accepted.

LANDE is incorporated and regulated in the European Union, ensuring compliance with EU financial standards and investor protection requirements.

Investors typically earn between 10–14% annually, depending on the project and loan terms. Returns are generated from secured agricultural loans.

Each loan is backed by real assets such as farmland, machinery, or harvest. In case of borrower default, the collateral can be sold to recover investor funds.

No. LANDE does not charge hidden fees to investors. The platform earns through borrower-side service fees, keeping investment terms transparent.

LANDE offers a referral program where existing investors can invite friends. Both parties may receive bonuses after the referred investor funds their first loan.

Unlike unsecured consumer lending platforms, LANDE provides loans that are collateralized with tangible assets. This reduces default risk and increases security for investors.

Investments are secured with legally binding collateral agreements. Assets like farmland or machinery are pledged until the loan is repaid.

Registration is straightforward: create an account, verify your identity (KYC), deposit funds via Lemonway, and start investing in available loans.

Yes. Investors can start with as little as €50 per loan, making it accessible to both retail and experienced investors.

No. Funds are locked until the loan matures. However, there is a secondary market where investors are able to sell loans earlier.

Secure a return of 11.2% now and support farmers

Invest in carefully vetted agricultural loans with attractive returns and high security – transparent and effortless.

EU-regulated and supervised by the Bank of Latvia

Real collateral such as land, machinery, or harvest

Increase your dividend yield from 4% to up to 11.2% with monthly payouts

Invest now