Lande

At a Glance

What is Lande in 60 Seconds

Lande is a Riga-based platform, operating since 2020, that lets retail investors fund loans to farmers. Loans are secured on real agricultural collateral, including land, machinery and harvest, which is central to how the platform manages risk. The minimum investment is EUR 50, keeping the entry point low.

Lande operates under the ECSP regime supervised by Latvijas Banka, Latvia’s central bank. Its stated average return was 12.29% as of July 2026. That is a high headline figure, and as with all agricultural lending it reflects the elevated risk of the sector rather than any guarantee of what a given portfolio will earn.

Strengths

• Loans are secured on tangible agricultural collateral: land, machinery and harvest, which supports recovery in a default.
• Low EUR 50 minimum allows investors to diversify across many farm loans with modest capital.
• Authorised under the ECSP regime and supervised by Latvijas Banka, placing it in the regulated European tier.
• A clear, focused model of lending directly to farmers, stated at a 12.29% average return as of July 2026.

Things to Watch

• Agricultural lending is inherently cyclical, exposed to weather, harvest quality and commodity prices.
• Collateral such as harvest and machinery can be difficult and slow to realise, so recovery is neither quick nor certain.
• A 12.29% headline return signals a high-risk asset class; defaults can materially reduce net outcomes.
• ECSP authorisation and security reduce but do not remove the risk of losing capital, and there is no deposit guarantee.

How It Works

Lande originates loans to farmers and offers them to retail investors, who can fund from EUR 50. Each loan is secured against agricultural assets such as land, machinery or the coming harvest, and investors receive interest and principal over the term. The security is designed to give a claim on real assets if a borrower fails to repay.

Investors build a portfolio by spreading capital across multiple farm loans, since concentration in a single borrower or a single harvest cycle raises risk. The strength of the collateral and the terms vary from loan to loan, so reading each deal’s security package matters.

Who Is It For

Lande suits investors who want higher-yield, asset-secured agricultural exposure through an ECSP-licensed platform and who accept the cyclical risks of farming. The low minimum makes it workable for those diversifying across many small positions rather than concentrating capital.

How It Compares

Lande sits in the agri-secured lending segment alongside platforms such as InSoil, and its ECSP licence puts it in the same regulatory tier as other supervised European lenders. Its distinguishing feature is collateral tied specifically to land, machinery and harvest, combined with one of the higher stated returns in the field, which comes with correspondingly higher sector risk.

FAQ

Is Lande regulated? Yes. Lande operates under the ECSP regime supervised by Latvijas Banka, Latvia’s central bank. This brings oversight and standardised disclosure, but it does not guarantee returns or protect your capital.

How are the loans secured? Loans to farmers are secured on agricultural collateral, including land, machinery and harvest. Security supports recovery if a borrower defaults, though realising farm assets can be slow and uncertain.

What return does Lande offer? Lande stated an average return of 12.29% as of July 2026. This is a high figure that reflects the elevated risk of agricultural lending and is not a guaranteed outcome.

What is the minimum investment? You can invest from EUR 50 per loan, which makes it practical to spread capital across many farm loans and reduce single-borrower exposure.

The Bottom Line

Lande holds position #22 as an ECSP-licensed, asset-secured agricultural lender offering one of the higher stated returns in the field at 12.29% as of July 2026. The collateral on land, machinery and harvest is a genuine strength, but agricultural lending is cyclical and the security can be slow to realise, so the high yield reflects real risk. It is a reasonable choice for investors who diversify widely and understand what they are lending into. Capital at risk. P2P lending is not covered by deposit-guarantee schemes.

Affiliate Disclosure

TopPulse is not an affiliate partner of Lande. Links go directly to the platform. This does not influence our editorial position.