LANDE

LANDE is a crowdfunding platform connecting farmers in the European Union who need financing with investors seeking access to agricultural loans. The platform focuses on short-term funding for needs such as purchasing land, replacing machinery and expanding farm operations, and says it can typically disburse loans within three to seven days. Investors can browse projects on the primary market and trade loans on the secondary market, with monthly interest offered on eligible investments.

LANDE states that many loans are secured by farmland or machinery, typically at loan-to-value ratios of 40% to 60%, and that borrowers undergo financial and credit checks. It also highlights agricultural subsidies as a potential source of support for farmers. The company reports serving more than 1,500 farmers and facilitating €68 million in loans. According to its website, LANDE is regulated by Latvia’s central bank and operates under EU crowdfunding rules. Some Lithuanian loans are co-financed by ILTE, while partnerships with the European Investment Fund support certain uncollateralized financing. Returns and capital are subject to investment risk.