Platforms Lande
LA

Lande

Latvian ECSP platform specializing in European agricultural lending.
19.8/25
Quality score
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Regulation
✓ ECSP
Not AMF regulated. Regulated by Latvian Financial and Capital Market Commission as ECSP (…
Delay rate
4.8%
projects >6 months late
Loss rate
3.60%
definitive capital losses
Trustpilot
3.4 /5
user satisfaction
About Lande
Lande Finance is a crowdlending platform based in Latvia, licensed as an ECSP by the Bank of Latvia in 2024 and operating under the European passport. Specialized in agricultural financing, it finances farms and companies in the agri-food sector primarily in the Baltic countries and Central Europe. The platform distinguishes itself through the nature of its guarantees: loans are often secured by real agricultural assets (land, equipment, crops). As of March 31, 2026, Lande reports a delinquency rate of 4.93% and a loss rate of zero, demonstrating strong portfolio quality. Its CrowdPickr quality score of 22/25 makes it one of the best-rated platforms. With annual revenue of approximately 1.96 million euros, Lande remains a modestly-sized platform but is financially sound and well-positioned in a niche segment underserved by major European players.
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Platform quality: 5 criteria
Regulation and compliance
8/8
Passeport ECSP obtenu en février 2024, régulation par Latvijas Banka (autorité lettonne FCMC), statut vérifié et reconnu dans le cadre du règlement UE 2020/1503.
Track record and history
4/5
Taux de défaut 3.6% → 4.5 pts (1–3%). Taux retard >90j 4.75% → 6 pts (<5%). Rendement réel vs annoncé non communiqué → 0 pts (N/C). Calcul: (4.5×0.5 + 6×0.3 + 0×0.2) = 4.05. Pénalité −2 pts pour statistiques incomplètes évitée car données défaut/retard publiées. Score ajusté grâce aux données live: taux de retard 4.75% utilisé directement. Final: 4.3/6.
Project selection rigor
2/5
Processus de sélection mentionné avec amélioration des standards de souscription documentée, mais aucun taux de sélection publié ni description complète du comité d'analyse.
Platform financial health
3/4
Plateforme indépendante avec portefeuille €22M géré, revenus €1.9M en 2024, confiance d'investisseurs institutionnels, >3 ans d'existence. Score ajusté grâce aux données live: NPL 8.8% en recouvrement signale tension qualité portefeuille mais ne menace pas la survie plateforme.
Investor protection
2/3
Agrément ECSP impose délai réflexion 4 jours et plan de continuité (1 pt obligatoire). Collatéral foncier avec LTV moyen 37-43% et mécanisme recouvrement sur terres agricoles documenté (1 pt). Pas de marché secondaire identifié (0.5 pt partiel car mécanisme recouvrement existe).
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Recent news
Updated: 2026-05-08
Lande obtained ECSP license in February 2024
Platform manages €22M portfolio across Latvia, Lithuania, Romania, and Poland
91.2% of portfolio performing as expected as of May 2026, with 8.8% in recovery
Secured €10M guarantee capacity from European Investment Fund
Two institutional banks now invest directly on platform
This analysis is informational only and does not constitute investment advice. Investing via crowdlending carries a risk of partial or total capital loss. Research data is automatically refreshed monthly.
How is this scored? The quality score (A1–A5) evaluates the platform as an operator: regulatory status, past performance, project selection standards, financial stability, and investor protection mechanisms. Max: 25 points. Read the full methodology →