You're reading the January 2026 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.
The total amount of financing provided to farmers through the LANDE platform across our four markets in January 2026 was €2,222,126 across 62 projects (avg. project value €35,840) - both record monthly figures!
This solid performance for the first month of the year also brought us to a major milestone: €50 million in all-time financing through LANDE!
The breakdown of financing by country is as follows:
The share of loans issued in January that were backed by either land/property or machinery in each market was the following: Romania 100%; Lithuania 90%; Latvia 91%, Poland 100%.
226 new investors registered on the LANDE Platform in January.
LANDE investors earned a total of €172,103 in interest in January, with the all-time total having now reached €4.26 million.
Bonus opportunities
New investors get 3% cashback on all investments they make on the Primary Market in the first 30 days on the platform using this link.
Additionally, all investors will get a 1% referral bonus for recommending our platform to a friend using the unique referral link on their dashboards (bonus applies to the investments made by the referred user in the first 30 days).
Loan repayment statistics
At the end of January there were 1,876 projects funded through the LANDE platform, of which 1,038 had been repaid in full while 838 were active, with their repayment status detailed below (+comparison with previous month):
Loans with collateral consisting of livestock and harvest hold the highest shares of 90+ day delays, which is why we have been moving away from these collateral categories and focusing more on securing projects backed by land and/or machinery.
Repaid principal totalled €1,654,784 in January, while the all-time total has reached €25.85 million.
More real-time portfolio data can be found on our statistics page.
Debt collection stages
Below is a breakdown of debt collection stages for delayed loans. Most of the 90+ loans are already in the enforcement phase with bailiffs engaged in recovering the value of the collateral.
Details about debt collection stages can be found here.
Market highlights
Latvia
A notice has been received from the bailiff regarding a repeated auction, which will be announced on 11 February 2026, for project 12480934.
A calculation has been received from the bailiff stating that a partial deduction of the debtor’s obligations has been made, and the funds will be received in February 2026, for project 211113-742192.
Projects closed in January (refinanced): 12539035; 12533258; 221214-109270; 231121-999565; 12444028; 231121-471331; 231127-788770; 231129-900405.
Lithuania
2026, started out with record results for LANDE Lithuania: thanks to the support of our investors, as well as the EIF and ILTE, we successfully issued over €600,000 in financing. We are seeing a steady increase in the number of new clients seeking loans, alongside a growing number of returning customers who have successfully repaid their previous loans. Demand remains strong in land and agricultural equipment financing, confirming the stability of these asset segments.
We are also pleased to report the recovery of funds from a previously defaulted client (230215-131773), further strengthening our portfolio performance.
With continued client growth in the Lithuanian market, we have already started expanding our team and plan to welcome an additional colleague in the near future to support our ongoing development.
Romania
January marked a gradual return to normal operations after the holiday period, with renewed client engagement and progress across sales, recoveries, and internal processes.
Business activity resumed progressively after 8 January. Liquidity in the agricultural sector improved slightly as some subsidy payments were released, though cash flow challenges remained for grain clients. Market sentiment was cautious but stabilizing.
Postponed refinancing requests from December were reactivated, and discussions related to working capital for spring operations gained pace. While still partially affected by seasonality, the pipeline grew steadily, with several transactions moving forward.
Recovery activity remained consistent. Agreements initiated in December advanced, and additional restructuring solutions were explored for clients with temporary liquidity constraints, ensuring continuity in investor payments.
Implementation of workflow enhancements began, focusing on faster loan analysis, clearer inter‑team processes, and better data collection from clients. These improvements are expected to impact decision-making efficiency throughout Q1.
For the rest of Q1, priorities include accelerating pipeline conversion and strengthening marketing actions, maintaining close client monitoring ahead of the spring season, reinforcing recovery actions, and continuing operational optimizations to support stable and responsible growth.
Poland
So far in February, we already signed 3 new clients with a total contract value of EUR 218,000. We have 5 additional agreements prepared, with a combined value of approximately EUR 300,000, planned for publication by the end of the month, confirming a stable and active sales pipeline.
At the same time, we are expanding our broker network as a scalable acquisition channel. We have launched activity on TikTok and are initiating a client testimonial process to strengthen credibility and brand visibility. Our current focus is on increasing sales predictability, strengthening partnerships, and building the foundations for further business scaling.