How the LANDE investment process works

Agriculture secures our food supply and offers stable investment opportunities. With sustainable agricultural loans, you support farmers and create a reliable source of income. Our method follows the sow, grow and harvest principle:

  • Sowing: You invest capital and plant the seed for growth.
  • Grow: The capital grows through the work of the farmers.
  • Harvesting: You receive stable interests, the fruits of your investment.
Hero illustration: investors and farm assets
1

Financing requests from farmers

Whether for new machinery, seeds, or as a safeguard against crop failures – farmers use LANDE to secure targeted capital for the expansion and further development of their operations.

2

Due Diligence & Risk Assessment

Each request undergoes a comprehensive review. Creditworthiness, business figures, harvest history, market environment, and EU subsidies are analyzed in detail. Only about 5% of all applications pass this strict selection.

3

Securing the loan

Loans are secured by real tangible assets, such as machinery, arable land, or crop yields. The loan-to-value ratio (LTV) is conservatively set at 40-60%, supplemented by personal guarantees.

4

Publication on LANDE

Only after a successful review does the project appear on our platform with all relevant information: loan amount, interest rate, term, LTV, and collateral.

5

Investment from 50€

You can invest manually from 50 € or use the auto-invest function according to your criteria such as interest rate, term, or collateral. A simple, flexible way to invest your funds.

6

Reliable repayment

We actively accompany your investment and monitor repayments as well as interest payments. Through careful risk assessment and strong collateral, the default rate is extremely low – in case of emergency, our collection team steps in, including the realization of collateral.

7

Double impact for you and farmers

Your capital works efficiently and generates stable returns. At the same time, you support agricultural businesses in growing, investing in modern technology, and operating more sustainably – a win for all parties involved.

All LANDE projects are secured

Term

3-12

months

Loan type

Seasonal funding

Collateral type

Personal guarantee and 3-way agreement (grain buyer, LANDE, farmer)

Term

12-36

months

Loan type

Machinery loans

Collateral type

Commercial pledge

Term

12-60

months

Loan type

Land buying

Collateral type

Mortgage loan

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