Übersicht
Lande is a unique EU-licensed crowdfunding platform focused exclusively on agricultural lending. Investors can fund EU farmers for seasonal needs, machinery purchases, und lund acquisitions, mit all loans secured by tangible collateral. Since 2019, the platform has funded over €50.5 million across 2,040+ projects supporting 1,500+ farmers.
Funds are held in separate trust accounts mit BNP Paribas und LemonWay. Lande's conservative underwriting und real asset backing differentiate it from traditional P2P platforms, bietet Investoren exposure to a tangible, subsidized sector mit strong fundamentals.
Hauptmerkmale
Auto-Invest
Sekundärmarkt
Rückkaufgarantie
Mobile App
Verfügbare Darlehenstypen
Lande specializes in three core agricultural loan products tailored to farmer needs: seasonal funding for working capital during planting und harvesting cycles, machinery loans for equipment purchases, und long-term lund acquisition financing. All loans are secured by land, machinery, or harvest collateral, Bieten strong asset backing.
Vorteile und Nachteile
Vorteile
- ✓ All loans secured by real collateral (land, machinery) mit conservative 40-60% LTV
- ✓ EU-licensed und ESMA supervised - strong regulatory framework mit Latvijas Banka oversight
- ✓ Unique agricultural niche mit steady demund - EU farmers supported by subsidies
- ✓ Only 5% approval rate - strict underwriting ensures quality borrowers und low defaults
Nachteile
- ✕ No buyback guarantee - relies entirely on collateral recovery if borrower defaults
- ✕ Higher minimum investment of €50 compared to some competitors
- ✕ Agricultural focus limits diversification - concentrated sector exposure mit weather risk
- ✕ Potential debt collection delays if borrowers default und collateral must be liquidated
Wie es funktioniert
Register und Verify
Create your account und complete identity verification. Minimum investment is €50.
Finanzieren Sie Ihr Konto
Deposit via bank transfer to your segregated trust account held mit BNP Paribas or LemonWay.
Review und Invest
Browse farm lending opportunities mit detailed collateral information or set auto-invest filters for your risk profile.
Collect Returns & Trade
Receive monthly interest payments. Trade loans on the secondary market if needed for liquidity.
Gebührenstruktur
| Gebührentyp | Betrag |
|---|---|
| Anlagegebühr | Keine |
| Sekundärmarktgebühr | 1-2% |
| Auszahlungsgebühr | Keine |
| Platform Service Fee | In Renditen enthalten |
Für wen geeignet?
Lande spricht Investoren an, die Suche nach real asset backing und regulatory safety. Die Plattform funktioniert gut für:
- → Collateral-conscious investors who prioritize tangible assets und conservative loan-to-value ratios
- → Regulation-focused investors Suche nach EU-licensed platforms mit ESMA supervision
- → ESG-minded investors supporting sustainable agriculture und rural development in the EU
- → Niche seekers mögen Exposition gegenüber agricultural lending without general P2P risk
- → Medium-term investors comfortable mit 3-60 month loan tenors und collateral recovery timelines
Loan Structure
Unlike other P2P platforms, Lande operates uniquely as the sole loan originator for all investments. This integrated model ensures consistent underwriting standards und complete transparency over loan quality und collateral management.
LANDE Finance (SIA LANDE)
Latvia
Sole loan originator for the platform. Issues agricultural loans secured by land, machinery, or future harvests mit 40-60% LTV ratios. Founded by experts from Latvijas Hipoteka Ltd, a mortgage und agricultural lending service provider mit decades of industry experience.
Fazit
Lande is an excellent choice for investors looking for besicherungsgestützte Investitionen in a real, tangible sector. The conservative LTV ratios und EU licensing provide strong protection, while the unique agricultural focus offers genuine diversification from standard P2P platforms. The 11.2% average returns are competitive for the risk level.
The main trade-off is the absence of a buyback guarantee, which means investors should be comfortable mit potential delays in loan recovery if defaults occur. However, Lande's strict 5% approval rate und conservative underwriting significantly mitigate this risk. Best suited for investors die schätzen real asset backing over promises of buyback guarantees.
Frequently Asked Questions
Is Lande a safe investment platform-
Lande is EU-licensed under the European Crowdfunding Service Provider (ECSP) regulation, supervised by Latvijas Banka und ESMA. All loans are secured by tangible collateral - land, machinery, or harvest - mit conservative loan-to-value ratios of 40-60%. Investor funds are held in separate trust accounts mit BNP Paribas und LemonWay.
What makes Lande different from other P2P platforms-
Lande focuses exclusively on agricultural lending, which is unique in the European P2P space. All loans are backed by physical collateral like farmlund und machinery, rather than relying on buyback guarantees from lending companies. This real-asset backing provides a different risk profile compared to typical consumer P2P lending.
Does Lande have a buyback guarantee-
No, Lande does not offer a buyback guarantee. Instead, all loans are secured by tangible collateral mit conservative loan-to-value ratios. If a borrower defaults, Lande initiates a recovery process through the collateral. This approach relies on real assets rather than promises from loan originators.
What is the minimum investment on Lande-
The minimum investment on Lande is 50 euros per loan. You can use the auto-invest feature to automatically invest an Darlehen matching your criteria, or manually select individual farm loans mit detailed collateral information.
What types of loans does Lande offer-
Lande offers three categories of agricultural loans: seasonal funding (3-12 months) for working capital during planting und harvest cycles, machinery loans (12-36 months) for equipment purchases, und lund acquisition loans (12-60 months) for purchasing farmland. All loans are secured by the relevant collateral.