Platforms Lande Finance
LF

Lande Finance

Latvian ECSP platform specializing in European agricultural loans.
22.0/25
Quality score
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Regulation
✓ ECSP
ECSP Licensed (European Crowdfunding Service Provider)
Delay rate
4.9%
projects >6 months late
Loss rate
0.00%
definitive capital losses
Trustpilot
3.4 /5
user satisfaction
About Lande Finance
Lande Finance is a crowdlending platform based in Latvia, authorized as an ECSP by the Bank of Latvia in 2024 and operating under the European passport. Specialized in agricultural financing, it funds farms and agri-food businesses primarily in the Baltic countries and Central Europe. The platform stands out through the nature of its collateral: 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 zero loss rate, reflecting good 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 financially sound, well-positioned in a niche segment underserved by major European players.
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Platform quality: 5 criteria
Regulation and compliance
8/8
ECSP agrément Latvijas Banka en cours de validité, conforme règlement EU 2020/1503, registre ESMA vérifié — passeport ECSP pleinement reconnu.
Track record and history
5/5
Score ajusté grâce aux données live: défaut 0.0% documenté (6/6), retard >90j 4.93% (<5%, 6/6), rendement conforme fourchette annoncée (6/6). Moyenne pondérée (0.5×6 + 0.3×6 + 0.2×6) = 6.0/6.
Project selection rigor
3/5
Processus de sélection décrit (KYC emprunteur, analyse collatéral documenté dans les projets), taux de sélection non publié — 3 pts.
Platform financial health
3/4
Score ajusté grâce aux données live: plateforme indépendante rentable en 2024 (CA 1.96M€ +22% YoY, retour à profitabilité), >5 ans d'existence (2020), agrément ECSP maintenu, aucun signal de détresse identifié — 3 pts.
Investor protection
3/3
Délai réflexion 4 jours obligatoire ECSP: 1 pt. Plan de continuité documenté (Business Continuity Plan mentionné): 1 pt. Bulletin board prévu pour marché secondaire: 1 pt.
These scores evaluate the platform as an operator, independently from individual project quality. Methodology →
Recent news
Updated: 2026-05-03
Obtained ECSP license from Bank of Latvia in 2024, allowing EU-wide operations
As of March 2026, displays 4.93% delay rate (>6 months) and 0% loss rate
Revenue reached €1.96 million in 2024, a 22% increase over 2023
Returned to net profitability in 2024 after losses from Romanian expansion
November 2025 set records with €2.2M funded across 57 projects in one month
Operating in Latvia, Lithuania, Romania, and entered Polish market in late 2025
Total portfolio over €50M with average LTV of 44% on agricultural loans
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 →