LANDE review 2023

Is LANDE a great platform for P2B lending? Find out in our LANDE review below:



  • Great Trustpilot rating
  • Loans are backed by assets
  • Co-funding 5% in every project
  • A secondary market is available
  • Auto-invest is available
  • Transparent platform
  • Low LTV on loans


  • Short track record
  • Limited diversification options

Review summary:

LANDE is one of the best P2B lending platforms focusing on secure agricultural loans. On the platform, you can invest in asset-backed loans that yield an average annual return of around 10%. The platform is led by an experienced team within the lending sector. LANDE is one of the most highly rated platforms on Trustpilot in the P2P lending industry.

It’s free to use the platform.

At, we strive to list only the absolute best companies in the P2P industry. Where appropriate, we also feature our partners. This doesn’t influence our evaluations. All opinions are our own.

Introduction to our LANDE review

Are you considering investing via LANDE? Then read on. We’ve written this review to help investors determine if LANDE is the right choice for them.

Below you will find an overview of the things that we will discuss more in detail in this LANDE review. Simply click on the links to jump directly to the thing you want to know more about.

Learn about this in our LANDE review:

What is LANDE?

LANDE is a European crowdfunding platform focused on financing the agricultural sector.

Investors can invest in secure agricultural real estate and grain projects.

The loans have an average LTV (Loan-To-Value) of 44%. They are backed by assets as collateral.

LANDE project

LANDE (previously known as LendSecured) was co-founded in 2019 by Ņikita Gončars and Edgars Tālums. Since the platform launched, it has continued to grow each and every month.

Today, there are over 5,776 registered investors who have trusted LANDE, with an average investment portfolio of €2,879 per user on the platform.

With as little as €50, you can open an account and start investing at

The average annual return on the platform is 10.90%. If you sign up after clicking one of the affiliate links in this LANDE review, you will get an investment bonus of +1% for 180 days. Click here to get the bonus.

LANDE statistics:

Loan Type:Agricultural
Loan Period:6 – 25 Months
Loans Funded:€ 14,434,301 +
LANDE Users:5,776 +
Minimum Investment:€ 50
Maximum Investment:Unlimited
LANDE Interest Rate:10.90%

How LANDE works:

How LANDE works

LANDE is a farming crowdfunding platform with a two-sided business model. On the one hand, they have investors. And on the other hand, they have borrowers that are seeking funds.

The process works as follows:

  1. The borrower requests a loan at LANDE
  2. If the request is accepted, the business gets the loan
  3. The loan is now made available for investment on LANDE
  4. You can now invest in the loan and earn a profit

Frequently asked questions:

Peer-to-Business (P2B) lending platforms are a great alternative to investments like real estate, stocks, bonds, etc. This is due to the fact that P2B lending can provide further diversification to your overall investment portfolio while offering higher historical returns than traditional investments. In recent years it has not been unusual to see stable returns of over 10% annually.

All investing includes risks. However, LANDE has made a lot of effort to make investments on its platform as safe as possible. In our LANDE review, you can learn more about platform safety in this section.

LANDE is a profitable company that made a profit of €42,194 in 2021.

  1. Create an account.
  2. Transfer money to your account.
  3. Invest manually or set up a LANDE auto-invest strategy.
  4. Log in to your account from time to time to check on your investments.

Key features

We have already taken a look at some of the reasons why LANDE has become a popular choice among investors. In the following, we take a closer look at some of the key features that make it easy to invest via the platform:

1. LANDE auto-invest

A key feature that must be mentioned in this LANDE review is the auto-invest feature. This feature was launched in December 2021 and allows investors to automatically invest in loans that fit certain criteria.

The minimum investment when using the auto-invest feature is €50.

To use a LANDE auto-invest feature, follow this guide:

  1. Make sure you have signed up
  2. Log in to your investor account
  3. Choose between Basic and Advanced auto-invest

2. LANDE secondary market

Another great feature is the secondary market, which allows you to sell your investments to other investors. This is very useful if you decide to leave the platform or if you just want to free up some capital.

LANDE secondary market

3. Get a 1% LANDE bonus without promo code

LANDE offers an investment bonus of +1% for the first 180 days for new investors that get referred by current investors on the platform.

Click the button below to get the +1% LANDE bonus (no referral or promo code needed):

Who can use LANDE?

Both individuals and companies can invest via LANDE.


If you want to invest as an individual, you must at least meet the following requirements:

  • Being at least 18 years old
  • Having a Single Euro Payments Area (SEPA) bank account

If you live up to these requirements, then you can start investing via the platform.


It is also possible to invest via LANDE if you have a company. The same rules apply is for individuals.

Available countries

LANDE is available in all the countries that are indicated in the registration list when you sign up. See the list here.

How safe is LANDE?

To determine if LANDE is safe, we have taken a look at some of the potential upsides and downsides of investing with LANDE. However, when you consider the safety of LANDE, we don’t recommend that you rely solely on information found in our LANDE review as this is only based on our research. We always recommend that you also do your own research before investing any money.

1. LANDE profitability

Secured Finance MGMT LTD, the company behind LANDE, made a profit of €42,194 as stated in their profit or loss account for the year 2021.

The company was also profitable in 2019 and 2020.

2. Main risks

In the following part of our LANDE review, we go through some of the main risks of using LANDE:

Loan default risk

When you invest in P2B loans, there is a risk that the borrower will not be able to repay the loan. In that case, your investment is usually lost.

However, the loans at LANDE are all asset-backed with quite a low LTV. So in case that in case the borrower can’t repay, the asset will be sold at an auction. Here, the low LTV is important, as this increases the likelihood that the investor will more of the invested amount back in case the asset is auctioned.

You can see how the debt collection process works below:

LANDE debt collection process

The best way to hedge against loan default risk is to invest smaller amounts in many different loans, rather than investing large in only a few. Looking for loans with a low LTV is also a good idea.

LANDE bankruptcy risk

Of course, there is also a risk of LANDE going bankrupt. Like many other P2B lending platforms in Europe, LANDE has also taken precautions, should this happen.

For example, all investments are held on a segregated account from LANDE’s operational account.

Financial turndown risk

As P2P investing is a newer thing in the investment world, it can be difficult to predict how a financial turndown would affect this form of investment. As a starting point, it is, therefore, a really bad idea to invest your entire investment portfolio in P2P investments.

Therefore, many investors also choose to diversify into more traditional forms of investment such as equities, bonds, and traditional real estate.

Since investing is an individual thing, we obviously do not know what will be best for you. But if you put together your investment portfolio, make sure that it reflects your knowledge of the investments in it, as well as your own risk appetite. If in doubt about how to do so, make sure to seek help from a professional investment planner.

Is LANDE safe?

So far, LANDE has proved to be a more safe alternative to other P2P lending platforms.

For example, they managed to keep up the return for investors, whilst other platforms struggled.

This indicates that LANDE is doing a good job at picking borrowers for the marketplace. This is probably a result of an experienced team combined with the type of assets the platform is focused on.

LANDE has also made measures against its own bankruptcy.

With these things in mind, we believe that LANDE is among the safer platforms on the market.

However, other factors such as a lack of knowledge about how a financial turndown will affect the P2P lending industry are also risk factors that are worth considering.

Our experience with LANDE

Our overall experience with LANDE is very positive. When you compare the platform to others on metrics like usability and support, then they are among the better ones. At the same time, we believe that there is a fair balance between risk and reward on the platform.

There is nothing at the moment that is concerning about the platform.

LANDE reviews on Trustpilot

Trustpilot is a great place to learn what other people think of LANDE. We have collected some relevant LANDE reviews from Trustpilot for you to take a closer look at:

5 star LANDE review on Trustpilot

Best LANDE alternatives

Not sure if LANDE is the right choice for you after reading our LANDE review? Then there are also some good LANDE alternatives to consider. The following are some of our favorites:

Even if you use LANDE, it might actually be a good idea to take a closer look at some of the above platforms. By using multiple platforms, you can reduce your platform risk and diversify your portfolio further.

Conclusion of our LANDE review

LANDE is one of the absolute best P2P platforms for agricultural loans.

All the loans are secured with assets. The loans themselves have a low average LTV of around 44%, which means that the loans on the platform are not overly aggressive.

This is probably due to the fact that the platform is led by an experienced team with over a decade of experience in the lending sector.

The annual return on the platform is around 10%, which is fairly good considering the safety of the platform.

LANDE is also highly rated on Trustpilot, where nearly all reviews are positive. Compared to other platforms in the industry, LANDE has a much better Trustscore.