LANDE Finance Review: Agricultural Loans

Looking to diversify into real assets with strong collateral and above-average yields? Meet LANDE Finance – a Latvian crowdlending platform specializing in agricultural loans backed by grain, machinery, and farmland.

At Glance

• Founded: 2019 Latvia by Nikita Goncars

• Focus: Agriculture (secured loans)

• Returns: 11%–13% annually

• Reputation: Transparent, efficient, professional

• Ideal for investors seeking real asset-backed loans in a relatively stable sector.

Register in LANDE

Full review follows.

1. What is LANDE?

LANDE Finance (formerly LendSecured) is a Latvian crowdlending platform offering investors the opportunity to earn returns of up to 13–14% annually by funding agricultural loans backed by grain, machinery, or land. Known for its low average LTV (Loan-to-Value) of 44%, secured collateral, and transparency, LANDE appeals to investors seeking stable, asset-backed income in the P2P lending space.

2. Pros and Cons

✅ Pros	❌ Cons
Secured loans backed by crops, land, or machinery	Limited diversification outside agriculture
Transparent risk evaluation	No buyback guarantee
Virtual Personal IBAN accounts
High loan availability
Fast loan recovery process
Auto Invest feature
Secondary market for added liquidity
Low average LTV of 44%

3. Platform Strengths

LANDE stands out in the P2P sector by:

• Offering secured agricultural loans, rather than riskier consumer/payday loans

• Introducing virtual IBANs, which separate investor funds from platform capital

• Providing three-way contracts between farmers, grain buyers, and the platform—ensuring repayments directly from harvest proceeds

• Maintaining transparency, with a comprehensive statistics page and investor tools

LANDE PORTFOLIO GROWTH

Grow Your Portfolio

4. Risk & Return

LANDE only approves 5–6% of loan applications, after thorough vetting. The criteria to assess credit risk and project quality:

Borrower Risk Assessment

• Farming experience and credit history

• Grain market reputation

• Financial ratios (liquidity, leverage, etc.)

• Tax debt status and commercial pledges

• AML/KYC compliance

  
  

Collateral Quality

• Type and value of pledged assets - land, machinery, crops

• Historical harvest performance

• Independent appraisals (for land-backed loans)

  
  

Grain Buyer Agreements

A three-way agreement ensures that loan repayments come directly from the crop sale, reducing default risk. LANDE only works with established buyers (5+ years in the market).

Crop Insurance

Over 92% of crops are insured against natural disasters like hail or storms, adding another layer of investor protection.

5. Loan Structure

• Loan size: €4,000–€60,000

• Loan term: 4–36 months

• LTV range: 14–58% (average 44%)

• Yield: 11–13% (higher for riskier borrowers)

• Type: Mostly bullet loans – monthly interest, principal at maturity

Start Earning

While LANDE doesn't provide detailed risk ratings on each loan, you still get access to the core risk data used to price the projects.

Default Management

• No buyback guarantees (as on some P2P platforms)

• Fast recovery process (typically within a few months) thanks to liquid collateral

6. Liquidity & Secondary Market

While P2P loans are often illiquid, LANDE offers a secondary market with flexible terms:

Secondary Market Rules

• Sell only full loan amounts if under €100

• Investments of €100+ can be split into one €50 transaction and additional €50+ transactions, maintaining at least €50 remaining.

• Only current loans (not delayed or defaulted) can be sold

• No sales during funding phase

• Full bullet loans (principal + interest at maturity) cannot be sold

No option to resell defaulted or pre-issued loans, but the platform’s recovery speed helps offset this.

7. Platform Usability

LANDE offers a clean, investor-friendly dashboard, broad transparency with insights on:

• Interest earned

• Portfolio performance

• Downloadable income reports for tax filing

Full Report: https://lande.finance/blog/lande-platform-performance-report-may-2025

Auto Invest

Choose from two modes:

• Basic: Set a minimum investment amount

• Advanced: Define custom filters like loan type, duration, and yield

Invest Now

Taxation:

Investors are responsible for declaring income in their own country.

Example: Investing €1,000 in LANDE

Investment	€1,000
Annual Yield	12%
Monthly Interest	€10
Total Interest After 12 Months	€120
Principal Repayment	€1,000 (at term end)
Total Return	€1,120

*Note: Interest may vary by project. Hey, are you ready? Test your knowledge!

(Answers at the bottom)

How does LANDE ensure repayments from borrowers?

• Government guarantees
• Contracts between farmers, grain buyers, and the platform
• Buyback guarantees
• Monthly auto-debit from bank accounts

Which of the following is NOT listed as a type of collateral used by LANDE?

• Machinery
• Grain
• Real estate properties outside agriculture
• Land

What is the average Loan-to-Value (LTV) ratio for LANDE loans?

• 58%
• 50%
• 44%
• 35%

1. Three-way contracts between farmers, grain buyers, and the platform

2. Real estate properties outside agriculture.

   If you want to invest in P2P Real Estate check out Fintown.

3. 44%

Final Verdict: Is LANDE Worth It?

If you're looking for secured P2P investments with a solid risk-return balance, LANDE is a standout choice—especially for those who understand and appreciate the agricultural sector.

With transparent processes, insured collateral, and attractive yields, LANDE outperforms many of its Baltic and European peers in both investor protection and performance.