LANDE Review 2026: an Innovative Crowdlending platform
A detailed review of LANDE, the crowdlending platform offering real estate and agricultural investments
Quick Verdict
LANDE is an innovative crowdlending platform that stands out by offering both real estate and agricultural project investments in the EU. With low LTVs (average 37%), asset-backed loans, and transparent operations, it provides a unique diversification opportunity for crowdfunding investors seeking 11-14% annual returns.
Try LANDEWhat is LANDE?
As for all crowdlending platforms, LANDE is a financial platform that matches borrowers with investors, that will lend money on the platform in exchange of interests on loans. LANDE is a relatively new platform, as it was founded in 2019. They are based in Riga, Latvia.
What makes them different from other similar platforms is that they offer investors to invest in real estate (like houses or land), but also in agricultural projects in the EU - like financing harvests for example. This is something I never saw before on such a platform, and I believe it makes it really interesting.
They currently have over 400 investors, with nearly half a million Euros already invested on the platform.
What Returns Can You Expect?
Real returns based on my investing experience
The returns you can expect on LANDE completely depend on which projects you invest in, which I will tell you more about when we'll see how to use the platform.
Currently, you can get up to 14% returns on the platform, and they advertise an average annual return of 11.7% for investors.
Investment Options on LANDE
LANDE offers a unique mix of investment opportunities that sets it apart from other crowdlending platforms
Real Estate Projects
Invest in property-backed loans including houses and land development projects across the EU
Agricultural Investments
Unique opportunity to finance harvests and agricultural projects, often with grain as collateral
Auto-Invest Function
Automate your investment strategy to quickly deploy funds across multiple projects
The combination of real estate and agricultural projects provides unique diversification opportunities not found on most crowdlending platforms.
Is LANDE Safe?
Key safety features and regulatory compliance
Segregated Accounts
All investments held in segregated account at BNP Paribas, separate from LANDE's operational funds
Asset-Backed Loans
All projects backed by physical assets (property, land, or grain) that can be seized if needed
Low LTV Ratio
Average LTV of 37% ensures asset value far exceeds loan amount, providing strong protection
Additional Guarantees
Many projects include personal guarantees from borrowers and harvest insurance
🛡️ Risks & Guarantees
On LANDE, all projects present on the platform are backed by assets, that will be taken in case there is a problem with the project. This can be the property itself for real estate projects, or grain in case of the agricultural projects.
They also only put projects with low LTVs (Loan To Value) on the platform, meaning that the amount of the loan of a given project is always much lower than the value of the asset attached to the project. This means that in case of a problem with a project, the asset that will be sold to cover the loan will be more than enough to give the money back to investors & to cover all the legal costs associated with the sale. They advertise an average LTV of 37% on the platform, which is really low in the field and an additional guarantee for investors.
They also do a very strict process of cherry-picking the best projects that they put on the platform.
It also worth noting that all investments on LANDE are held on a segregated account from LANDE funds in one of the biggest French banks (BNP Paribas), which adds an additional layer of safety for investors.
In addition to that, many projects also come with additional guarantees, like personal guarantees from the borrowers or insurances on the harvests.
👥 The Company & Team
As I mentioned earlier, the company is operating from Latvia, and as for all platforms I add to my portfolio I checked if the company was officially registered in Latvia, and it indeed.
They also are completely transparent about their team on their website, with a complete description of the role of each person in the team, which is also something I appreciate seeing on a platform.
I also check the profile of their CEO, and his LinkedIn page shows he has experience in the financial services field for over 10 years, which is a good sign as well.
It's also worth noting that the core of the LANDE team has been working together for 7+ years on other brands - so it's not a team that was created out of nothing just for LANDE.
They also confirmed to me that will apply for the European Crowdfunding ServiceProviders (ECSP) license whenever it will become available, probably at the end of 2021.
📋 Project Originators
I also always have a close look at where the projects on the platform are coming from, as this is usually where a platform will start to have issues if anything bad happens like a financial crisis.
What I like on LANDE is that there are completely transparent about who the borrower is for each project, and it is really easy to find that recipients of those loans actually exist, which is not the case on all similar platforms. For projects related to investment in land for example, it is really easy to check in the official register in Latvia to check that those pieces of land exists & check who is the current owner.
Getting Started on LANDE
Open an Account
Sign up and complete the ID verification process. This takes under 5 minutes and is very straightforward.
Deposit Funds
Transfer funds to your LANDE account via bank transfer. Your money will be held in a segregated account at BNP Paribas.
Browse Projects
Check the primary market for available real estate and agricultural projects. Review details like annual return, LTV, and loan term.
Start Investing
Invest manually in individual projects (minimum €50) or use the auto-invest function to automate your investments.
Pros & Cons
Pros
- ✓Unique offering: both real estate and agricultural projects
- ✓Low average LTV of 37% provides strong asset protection
- ✓All projects backed by physical assets (property, grain, land)
- ✓Transparent about borrowers and project details
- ✓Funds held in segregated account at BNP Paribas
- ✓Low minimum investment of €50
- ✓Auto-invest function available
- ✓Fast withdrawal process (2 days)
- ✓Transparent team with 7+ years working together
- ✓Additional guarantees like personal guarantees and harvest insurance
Cons
- ✗Relatively new platform (founded 2019)
- ✗Smaller platform with only 400+ investors
- ✗Limited track record compared to established platforms
- ✗ECSP license not yet obtained (pending)
My Personal Experience
I only invested in one agricultural project so far on LANDE, and it should give me a return of 12% annually. It is of course too early to talk about long-term yields on the platform, but I can say that so far everything went smoothly and I will definitely invest more on the platform in the future.
As for all the platforms I review, I also tried to withdraw money, and the money was back on my account in just 2 days.