{"id":15133,"date":"2021-10-27T06:00:00","date_gmt":"2021-10-27T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/lande-experience-top-3-p2p-platform-in-2023\/"},"modified":"2026-09-28T17:49:31","modified_gmt":"2026-09-28T15:49:31","slug":"lande-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/lande-review\/","title":{"rendered":"LANDE Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">LANDE is a P2P platform based in Latvia, on which investors can invest in agricultural loans. The return potential for investors is up to 12%.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Since February 2024, LANDE holds the European Crowdfunding Service Provider licence (ECSP), allowing it to offer its services under a unified regulatory framework across the entire EU.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform stands out with a high level of loan collateralisation. The average loan-to-value ratio (LTV) is 44%. No capital losses for investors have occurred to date.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">LANDE experienced strong growth in its early years, which at times led to a degree of strain on its operational processes.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ae5abb2579be .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5abb2579be .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5abb2579be .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5abb2579be .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5abb2579be .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5abb2579be{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5abb2579be:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5abb2579be .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5abb2579be .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5abb2579be\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Logo.png\" alt=\"LANDE\" style=\"--smush-placeholder-width: 743px; --smush-placeholder-aspect-ratio: 743\/150;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:88%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4.4)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive a \u20ac5 bonus plus 3% cashback on all investments made within the first 30 days after successful registration. Golden Autumn Cashback until 31 October: an additional 1% from \u20ac50 and 2% from \u20ac5,000 on Primary Market investments (single transactions only).<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5abb2579be\" href=\"https:\/\/bit.ly\/rethinkp2p-en-lande\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am invested with my own funds at LANDE since December 2021. Since then, I achieved a total return (XIRR) of 9,98%. My outstanding portfolio on the platform stands at 17.432 \u20ac.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>What is <\/strong><span style=\"color: #000000;\"><strong>LANDE?<\/strong><\/span><\/h2>\r\n<p><strong><a href=\"https:\/\/bit.ly\/rethink-p2p-goes-lande\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"wp-image-11673 size-full alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/06\/LANDE-Bonus-.jpg\" alt=\"LANDE-review-bonus\" width=\"300\" height=\"169\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><\/a><\/strong>LANDE (formerly LendSecured) is a Latvian P2P platform where investors can finance a variety of highly collateralized agricultural and development loans, while earning a return of up to 12%. The operational launch of the platform took place in July 2020. The first loans have been issued in September 2020.<\/p>\r\n<p>The business model of LANDE intends to close the underfinanced gap among small and medium-sized enterprises in the agricultural sector. According to a <a href=\"https:\/\/ec.europa.eu\/info\/news\/needs-farmers-and-agri-food-companies-are-significant-2020-jun-11_en\" target=\"_blank\" rel=\"noopener\"><strong>study by the European Investment Bank<\/strong><\/a> this gap has been between EUR 19.8 billion and EUR 46.6 billion in the European Union during 2020.<\/p>\r\n<p>Although LANDE is a comparatively new platform, it offers attractive conditions for investors who want to diversify their portfolio outside from traditional consumer loans. The platform also received the European crowdfunding service provider licence at the beginning of 2024, allowing the company to operate throughout Europe.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>LANDE at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about LANDE at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>December 2009 \/ January 2021<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>SIA LANDE Platform (<strong><a href=\"https:\/\/info.ur.gov.lv\/?#\/legal-entity\/40203386735\" target=\"_blank\" rel=\"noopener\">LINK<\/a><\/strong>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Riga, Latvia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (<a href=\"https:\/\/registers.esma.europa.eu\/publication\/details?core=esma_registers_upreg&amp;docId=ae48137\" target=\"_blank\" rel=\"noopener\"><strong>ECSP License<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/nikita-goncars-8502b337\/\" target=\"_blank\" rel=\"noopener\"><strong>Nikita Goncars<\/strong><\/a> (June 2019)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 37+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>10,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>11.2%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>7.7 \/ 10 (Rank 4 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Agricultural Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Mortgage<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<p>For those who prefer watching over reading, take a look at my LANDE video review (August 2024):<\/p>\r\n<p><iframe title=\"LANDE Review 2024 | Is LANDE 2.0 set up for success?\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/beR6dqlgBMs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<h3><span style=\"color: #000000;\"><strong>The Origin Story<\/strong><\/span><\/h3>\r\n<p>The origin of LANDE goes back to 2008. That year, Edgars T\u0101lums (left) established the non-bank lender <a href=\"https:\/\/latvijashipoteka.lv\/\" target=\"_blank\" rel=\"noopener\"><strong>Latvijas Hipot\u0113ka<\/strong><\/a>. This company specialized primarily in financing mortgage loans.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gruender-LANDE-Review-Origin-Story.jpg\"><img decoding=\"async\" class=\"size-full wp-image-22619 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gruender-LANDE-Review-Origin-Story.jpg\" alt=\"LANDE-Review-Origin-Story\" width=\"500\" height=\"333\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gruender-LANDE-Review-Origin-Story.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gruender-LANDE-Review-Origin-Story-300x200.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gruender-LANDE-Review-Origin-Story-120x80.jpg 120w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/333;\" \/><\/a>In 2011, Nikita Goncars joined the company as a second shareholder and business partner. Over the years, collateralization by agricultural land and smaller residential properties developed into a core competence of the company.<\/p>\r\n<p>The loan financing came primarily from a small circle of wealthy private investors. Some of them are still cross-financing LANDE&#8217;s loan projects today (anchor investors). In order to help their investors to monitor their loan portfolios, the company created the first prototype of what is now known as the LANDE P2P platform in 2017.<\/p>\r\n<p>In July 2020, a decision was made to allow also smaller retail investors to finance the loan book, which enabled LANDE to further diversify their funding sources. The P2P platform was born.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p>LANDE is a P2P lending platform focused on the agricultural sector. The platform acts as an intermediary between investors seeking a return on their capital and farmers looking to take out loans for their operations. In line with the classic P2P model, LANDE sources and assesses borrowers independently before listing the loans on the platform for financing.<\/p>\r\n<p data-start=\"45\" data-end=\"385\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/LANDE-Erfahrungen-Monetarisierung-LANDE-Review-Monetization-LANDE-Opiniones-LANDE-Avis-2025.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-27059 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/LANDE-Erfahrungen-Monetarisierung-LANDE-Review-Monetization-LANDE-Opiniones-LANDE-Avis-2025.png\" alt=\"LANDE-Review-Monetization\" width=\"948\" height=\"230\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/LANDE-Erfahrungen-Monetarisierung-LANDE-Review-Monetization-LANDE-Opiniones-LANDE-Avis-2025.png 948w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/LANDE-Erfahrungen-Monetarisierung-LANDE-Review-Monetization-LANDE-Opiniones-LANDE-Avis-2025-300x73.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/LANDE-Erfahrungen-Monetarisierung-LANDE-Review-Monetization-LANDE-Opiniones-LANDE-Avis-2025-768x186.png 768w\" data-sizes=\"(max-width: 948px) 100vw, 948px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 948px; --smush-placeholder-aspect-ratio: 948\/230;\" \/><\/a><\/p>\r\n<p data-start=\"45\" data-end=\"385\">LANDE generates revenue on two levels: Through a classic origination fee charged upon successful financing on the platform (up to 10% p.a.) and through a servicing fee calculated on the outstanding principal (between 1% and 4% p.a.). With its business model, LANDE generated revenue of EUR 1.9 million in the 2024 financial year.<\/p>\r\n<h3>LANDE On-Site Visit<\/h3>\r\n<p>Although I have known LANDE founder and CEO Nikita Goncars through numerous personal conversations since 2020, the first in-person meeting only took place in June 2024 in Riga. The impression I had formed of Nikita online was confirmed in person: Calm, competent and measured in his views.<\/p>\r\n<p><iframe title=\"LANDE Podcast \u274c Operational Updates \u274c Loan Origination \u274c Debt Collection \u274c Financials 2023\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/OcYMUbCZ_u4?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>\r\n<p>The conversation covered a wide range of topics, including the operational adjustments made in recent months, the revised IT infrastructure, the development of individual loan markets and the tightened approach to debt recovery. The financial figures for 2023 and the strategic goals for the current year were also discussed.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">LANDE News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on LANDE on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">16. October 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/lande-performance-report-september-2026\/\" onclick=\"event.stopPropagation()\">LANDE Performance Report: September 2026<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>A total of \u20ac2.06 million was financed through LANDE in September, spread across 58 projects, with an average loan size of around \u20ac35,500. The average interest rate was 11.76%, a clear increase from the 10.80% recorded in August.<\/p>\n<p>LANDE reports a default rate of 3.56%, down from 3.82% in the previous month. However, this figure is based on the total volume of loans ever issued, amounting to \u20ac65.90 million. A more meaningful approach would be to look at the portfolio that is actually still outstanding. After deducting the \u20ac33.36 million already repaid, this amounts to \u20ac32.54 million. Measured against this figure, the default rate is 7.2%. In the previous month, it stood at 7.8%, so the trend is moving in the right direction.<\/p>\n<p>One of the most important points that is mentioned in the report is that on September 29, Latvia declared a state of emergency in agriculture due to persistent rainfall. The measure applies nationwide and remains in effect until January 10, 2027.<\/p>\n<p>As part of the emergency measures, banks and lenders are allowed to defer principal repayments and amend repayment schedules without penalties. Late contractual performance may also qualify as force majeure. As a result, payment deferrals across LANDE's Latvian portfolio are likely to become significantly more common in the coming months.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/lande.finance\/de\/blog\/lande-platform-performance-report-september-2026-2\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">15. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/lande-performance-report-august-2026\/\" onclick=\"event.stopPropagation()\">LANDE Performance Report: August 2026<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>LANDE has published its performance report for August. According to the report, 63 projects worth a total of \u20ac1.7 million were financed across its four core markets, corresponding to an average of \u20ac27,038 per project. Compared with the previous month, this represents a decline of almost 19%, which LANDE attributes to seasonal factors, as farmers were busy with the harvest.<\/p>\n<p>The average interest rate also declined, falling from 12.29% to 10.80% (excluding cashback campaigns and other bonuses). This represents a drop of almost 1.5 percentage points within a single month.<\/p>\n<p>The collateral figures also reveal an interesting development. Despite repeated announcements that the platform is increasingly focusing on land- and machinery-backed loans, the share of such loans declined in two of the four markets: from 95% to 84% in Latvia and from 100% to 93.1% in Poland.<\/p>\n<p>The repayment situation has also deteriorated to an extent. All delinquency categories increased compared with the previous month, with the strongest increase recorded in the 31 to 60 days category (+12 to 37 loans). The number of loans that are more than 90 days overdue now stand at 115 (+3), representing around 10.5% of the active portfolio.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/lande.finance\/pl\/blog\/lande-platform-performance-report-august-2026\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">21. August 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/lande-performance-report-july-2026\/\" onclick=\"event.stopPropagation()\">LANDE Performance Report: July 2026<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>LANDE has published its Performance Report for July. Across its four core markets, the platform financed 67 projects worth \u20ac2.1 million, averaging \u20ac31,389 per project. The average return earned by investors during the month was reportedly 12.29%, excluding cashback campaigns and other bonuses.<\/p>\n<p>According to LANDE, it has observed a continuous decline in loans that are more than 30 days overdue since April. The share of loans secured by land and machinery stood at 95% in Latvia and 100% in Lithuania, Romania, and Poland in July. According to LANDE, livestock- and harvest-secured loans continue to show the highest default rates, which is why the platform is increasingly moving away from this type of collateral.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/lande.finance\/de\/blog\/lande-platform-performance-report-july-2026\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind LANDE? Let&#8217;s have a look!<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>LANDE Shareholder<\/strong><\/span><\/h3>\r\n<p><span style=\"color: #000000;\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gesellschafter-LANDE-Review-Ownership.png\"><img decoding=\"async\" class=\"alignleft wp-image-22622 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gesellschafter-LANDE-Review-Ownership.png\" alt=\"LANDE-Review-Ownership\" width=\"550\" height=\"614\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gesellschafter-LANDE-Review-Ownership.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Gesellschafter-LANDE-Review-Ownership-269x300.png 269w\" data-sizes=\"(max-width: 550px) 100vw, 550px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 550px; --smush-placeholder-aspect-ratio: 550\/614;\" \/><\/a><\/span>Who owns LANDE? The platform is operated by the Latvian company &#8220;SIA LANDE Platform&#8221;, which was founded on 14 March 2022.<\/p>\r\n<p>A look at the Latvian company register reveals that the platform is currently owned by four different shareholders.<\/p>\r\n<p>88.6% of the shares are held by LANDE CEO and co-founder Nikita Goncars, who is therefore also the ultimate beneficial owner (UBO) of the platform.<\/p>\r\n<p>The remaining shares are held by VAUBAN NOMINEES LIMITED with 4.6%, the LANDE investors with 4.5% and the BADideas Fund with 2.2%.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>LANDE Management<\/strong><\/span><\/h3>\r\n<div class=\"col-lg-6 col-12\">\r\n<div class=\"pl-4 pr-4 p-lg-0\">\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Lande-Review-CEO-Nikita.png\"><img decoding=\"async\" class=\"size-full wp-image-15141 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Lande-Review-CEO-Nikita.png\" alt=\"Lande-Review-CEO-Nikita\" width=\"250\" height=\"250\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Lande-Review-CEO-Nikita.png 250w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Lande-Review-CEO-Nikita-150x150.png 150w\" data-sizes=\"(max-width: 250px) 100vw, 250px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 250px; --smush-placeholder-aspect-ratio: 250\/250;\" \/><\/a><a href=\"https:\/\/www.linkedin.com\/in\/nikita-goncars-8502b337\/\" target=\"_blank\" rel=\"noopener\"><strong>Nikita Goncars<\/strong><\/a> is the CEO, co-founder and strong man behind Latvian platform LANDE.<\/p>\r\n<p>He graduated from BA School of Business and Finance, one of the leading business schools in Latvia. <span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">He was then co-founding several companies in the financial, real estate and agricultural sectors. This was followed in June 2019 by the launch of LANDE, formerly LendSecured.<\/span><\/p>\r\n<p>On <a href=\"https:\/\/lande.finance\/de\/about-us\" target=\"_blank\" rel=\"noopener\"><strong>this page<\/strong><\/a>, investors can look at the other platform&#8217;s team members.<\/p>\r\n<\/div>\r\n<\/div>\r\n<hr \/>\r\n<h2>Sign Up and Bonus<\/h2>\r\n<p>To invest on LANDE, investors must meet three requirements:<\/p>\r\n<ul>\r\n<li>A minimum age of 18 years<\/li>\r\n<li>Proof of residence in the European Economic Area<\/li>\r\n<li>SEPA bank account<\/li>\r\n<\/ul>\r\n<p>The registration process at LANDE is fairly simple and intuitive. After opening the account via email, the KYC (Know-Your-Customer) and AML (Anti-Money-Laundering) questionnaires have to be completed. This is followed by the verification of identity.<\/p>\r\n<p>Also legal entities have the opportunity to sign up on LANDE.<\/p>\r\n<h3>LANDE Bonus<\/h3>\r\n<p><span style=\"color: #000000;\"><\/span><\/p>\r\n<p><span style=\"color: #000000;\">A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/span><\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Investing on LANDE<\/strong><\/span><\/h2>\r\n<p>How does LANDE work and what should investors know and consider when investing on the plaform? In the following sections of my LANDE review you will find all the necessary information that you need.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p>The loans that are offered on LANDE can be segmented into five different areas:<\/p>\r\n<ul>\r\n<li>Seasonal loans secured with grain products<\/li>\r\n<li>Loans for agricultural machinery<\/li>\r\n<li>Loans for the purchase of land<\/li>\r\n<\/ul>\r\n<p>In addition, two less common loan products are subsidized mortgage loans as well as factoring loans.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/LANDE-Review-2023-Lending-Products.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-15257 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/LANDE-Review-2023-Lending-Products.png\" alt=\"LANDE-review-2023-p2p-lending\" width=\"1000\" height=\"537\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/LANDE-Review-2023-Lending-Products.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/LANDE-Review-2023-Lending-Products-300x161.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/LANDE-Review-2023-Lending-Products-768x412.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/537;\" \/><\/a><\/p>\r\n<p>Most of the agricultural loans offered on LANDE come from the Latvian market. At the same time, LANDE also offers loans from Lithuania and Romania.<\/p>\r\n<p>Here are some average numbers from the LANDE loan portfolio: The loan-to-value (LTV) is 44%, the interest rate is 10.6%, the loan term is 18 months and the loan amount is EUR 23,000.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Costs and Fees<\/strong><\/span><\/h3>\r\n<p>There are no fees or hidden costs for retail investors on LANDE. Neither for deposits or withdrawals, nor for the functionalities when investing on the platform.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p>If you invest in agricultural loans on LANDE, you can achieve a return of up to 14% (taking cashback campaigns into account). The interest rates of the loans can fluctuate depending on the market phase. Usually, they are between 10% and 12%.<\/p>\r\n<p>Possible loan defaults should be taken into account in the overall assessment, which can have a negative impact on the expected return.<\/p>\r\n<p>My personal investment experience with LANDE goes back to December 2021. Since then, I have achieved a total return of 9.46% (July 2024).<\/p>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\"><strong>Auto Invest<\/strong><\/span><\/h3>\r\n<p>LANDE has launched an Auto Invest feature in December 2021. The Auto Invest is divided into &#8220;Basic&#8221; and &#8220;Advanced&#8221;.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Auto-Invest-LANDE-Review-Auto-Invest.png\"><img decoding=\"async\" class=\"size-full wp-image-22625 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Auto-Invest-LANDE-Review-Auto-Invest.png\" alt=\"LANDE-Review-Auto-Invest\" width=\"400\" height=\"318\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Auto-Invest-LANDE-Review-Auto-Invest.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Erfahrungen-Auto-Invest-LANDE-Review-Auto-Invest-300x239.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/318;\" \/><\/a>With the basic Auto Invest, no criteria can be selected. This way, investors automatically invest in every loan that becomes available. The minimum investment amount is EUR 50.<\/p>\r\n<p>With the advanced LANDE Auto Invest, investors have several options to choose from. For example, the interest rate, the loan term, the loan-to-value (LTV) or the type of collateral can be defined more precisely.<\/p>\r\n<p>In 2024, LANDE added two more elements with the repayment type and the borrower countries. In addition, the minimum investment amount for the advanced Auto Invest strategy has been reduced from EUR 250 to EUR 100 per loan.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Sekundaermarkt_bei_VIAINVEST\" style=\"color: #000000;\">Secondary Market<\/span><\/h3>\r\n<p>LANDE integrated a secondary market in October 2020, where investors can sell their investments or buy already funded loans. Contrary to the minimum investment amount on the primary market (EUR 50), investors can purchase loans starting from EUR 2. No fees apply.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Review-Secondary-Market.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-22638 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Review-Secondary-Market.png\" alt=\"LANDE-Review-Secondary-Market\" width=\"1000\" height=\"313\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Review-Secondary-Market.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Review-Secondary-Market-300x94.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/LANDE-Review-Secondary-Market-768x240.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/313;\" \/><\/a><\/p>\r\n<p>Investors that want to diversify their portfolio on a broader scale and that aim to allocate their funds a lot faster, the secondary market on LANDE can be a good place to start. Note: The LANDE secondary market was relaunched in June 2024. Investors can find out about the new rules in <a href=\"https:\/\/lande.finance\/de\/blog\/the-lande-secondary-market-is-back-2\" target=\"_blank\" rel=\"noopener\"><strong>this article<\/strong><\/a>.<\/p>\r\n<h3><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Buyback Guarantee<\/strong><\/span><\/h3>\r\n<p>LANDE does not offer any kind of buyback guarantee. This is common practice for platforms that offer loans backed by collateral. The loans on LANDE are secured by mortgage with an average LTV of 43%, which is extremly low-risk. For comparison: Real estate platform <a href=\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/\" target=\"_blank\" rel=\"noopener\"><strong>EstateGuru<\/strong><\/a> offers an LTV average of 65%.<\/p>\r\n<p>Whether the collateral may be overvalued can only be assessed when loans default and the collection processes have increased on the platform.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>LANDE Taxes<\/strong><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Steuern-P2P-Kredite.png\"><img decoding=\"async\" class=\"size-full wp-image-18068 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Steuern-P2P-Kredite.png\" alt=\"LANDE-review-taxes\" width=\"400\" height=\"119\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Steuern-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Steuern-P2P-Kredite-300x89.png 300w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/119;\" \/><\/a>Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration. Unlike other platforms, LANDE does not withhold any taxes at the moment.<\/p>\r\n<p>For the tax declaration, investors can find the &#8220;Balance&#8221; tab in the main menu, where a tax report for the respective year can be downloaded as a PDF (&#8220;Income Statement&#8221;). This information can then be used to be submitted to the tax office.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\">LANDE Risks<\/span><\/h2>\r\n<p>Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to LANDE? Where are the underlying risks and how are they assessed?<\/p>\r\n<p>The get an idea about potential risk elements involved at LANDE, the platform published <a href=\"https:\/\/lande.finance\/de\/risk-warnings\" target=\"_blank\" rel=\"noopener\"><strong>a list of aspects that investors need to be aware of<\/strong><\/a>. This includes market risk, liquidity risk, platform risk and many more.\u00a0\u00a0<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The platform, operated by the Latvian company &#8220;SIA LANDE Platform&#8221;, launched operations in July 2020. In its domestic market, the platform is supervised and monitored by the Latvian financial supervisory authority (Latvijas Banka).<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 4 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#1D9E75\">7.7<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--low\">Low Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:75%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:68%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">17 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:60%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Regulation and Licence<\/h4>\r\n<p>In February 2024, the Latvian financial supervisory authority (Latvijas Banka) approved the licence allowing LANDE to operate as a service provider under the European Crowdfunding Regulation (ECSP). This enables the platform to offer its services across the EU under a unified regulatory framework, without requiring a separate authorisation in each member state.<\/p>\r\n<p>Unlike MiFID II-regulated platforms, investors have no entitlement to compensation through an investor compensation scheme. Loan defaults or a potential insolvency of borrowers are also not covered by the regulation.<\/p>\r\n<p>The ECSP regulation does, however, prohibit platforms from listing projects connected to affiliated companies or insiders. Through its regulatory status, LANDE is also required to meet a high standard of compliance and transparency, including the publication of <a href=\"https:\/\/lande.finance\/de\/transparency\" target=\"_blank\" rel=\"noopener\"><strong>audited financial reports<\/strong><\/a>.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>The ECSP licence requires LANDE to maintain a strict separation between investor funds and the company&#8217;s own operating funds. For this purpose, the platform works with Lemonway, with funds held at BNP Paribas. This means that in the event of LANDE ceasing operations, investors retain access to their funds and loan repayments can continue in an orderly manner.<\/p>\r\n<p>Investments offered through LANDE are not covered by a national or European deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<h4>LANDE in Crisis Situations<\/h4>\r\n<p>The war in Ukraine had a paradoxical short-term effect on LANDE. Due to severe disruptions to global grain trade, commodity prices rose sharply. At its peak, one tonne of wheat was trading at more than EUR 400, representing an increase of approximately 60%.<\/p>\r\n<p>At that time, approximately 50% of the outstanding loan portfolio was secured by grain purchase contracts. As a result, the value of these collaterals increased significantly, while the default risk for investors declined at the same time.<\/p>\r\n<hr \/>\r\n<div class=\"col-lg-6 col-12\">\r\n<div class=\"pl-4 pr-4 p-lg-0\">\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is LANDE able to operate profitably? And what conclusions can be drawn from the balance sheet?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/lande.finance\/docs\/annual-report-2025.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tLANDE Platform SIA \u2013 Annual Report 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Orients Audit &amp; Finance<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Regulated audit firm.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Latvian GAAP<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Local standard, not internationally comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<\/div>\r\n<\/div>\r\n<h4><span style=\"color: #000000;\">Profitability<\/span><\/h4>\r\n<p>According to the latest financial report, the LANDE platform generated a profit of EUR 206,485 in the 2025 financial year.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Profitabilitat-LANDE-Review-Profitability-2026-LANDE-Opiniones-Rentabilidad-LANDE-Avis-2026.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-35072 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Profitabilitat-LANDE-Review-Profitability-2026-LANDE-Opiniones-Rentabilidad-LANDE-Avis-2026.png\" alt=\"LANDE-Review-Profitability-2026\" width=\"1200\" height=\"464\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Profitabilitat-LANDE-Review-Profitability-2026-LANDE-Opiniones-Rentabilidad-LANDE-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Profitabilitat-LANDE-Review-Profitability-2026-LANDE-Opiniones-Rentabilidad-LANDE-Avis-2026-300x116.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Profitabilitat-LANDE-Review-Profitability-2026-LANDE-Opiniones-Rentabilidad-LANDE-Avis-2026-1024x396.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Profitabilitat-LANDE-Review-Profitability-2026-LANDE-Opiniones-Rentabilidad-LANDE-Avis-2026-768x297.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/464;\" \/><\/a><\/p>\r\n<p>As a result, the Latvian P2P platform has remained profitable for the second consecutive year, with profit increasing slightly compared to the previous year (EUR 196,742).<\/p>\r\n<h4>Balance Sheet<\/h4>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Bilanz-LANDE-Review-Balance-Sheet-2026-LANDE-Opiniones-LANDE-Avis-2026.png\"><img decoding=\"async\" class=\"alignleft wp-image-35076 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Bilanz-LANDE-Review-Balance-Sheet-2026-LANDE-Opiniones-LANDE-Avis-2026.png\" alt=\"LANDE-Review-Balance-Sheet-2026\" width=\"500\" height=\"291\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Bilanz-LANDE-Review-Balance-Sheet-2026-LANDE-Opiniones-LANDE-Avis-2026.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Bilanz-LANDE-Review-Balance-Sheet-2026-LANDE-Opiniones-LANDE-Avis-2026-300x175.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE-Erfahrungen-Bilanz-LANDE-Review-Balance-Sheet-2026-LANDE-Opiniones-LANDE-Avis-2026-768x447.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/291;\" \/><\/a>LANDE has very strong balance sheet metrics. Despite slight deteriorations compared to the previous year, the equity ratio (61.7%), the liquidity ratio (1.93), and the debt ratio (0.62) all remain at healthy and comfortable levels.<\/p>\r\n<p>These figures indicate that LANDE is pursuing a conservative and sustainability-oriented growth strategy that is not dependent on excessive leverage or external debt financing.<\/p>\r\n<hr \/>\r\n<h3>Loan Default Risk<\/h3>\r\n<p>LANDE offers highly collateralized agricultural and development loans on its platform. The collateralization breaks down as follows:<\/p>\r\n<ul>\r\n<li>Properties and Agricultural Land: 41%<\/li>\r\n<li>(Heavy) Machinery: 32%<\/li>\r\n<li>Grain Products from Farm Production: 26%.<\/li>\r\n<\/ul>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Performance-P2P-Kredite.png\"><img decoding=\"async\" class=\"size-full wp-image-18069 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Performance-P2P-Kredite.png\" alt=\"LANDE-Performance-P2P-Kredite\" width=\"400\" height=\"270\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Performance-P2P-Kredite.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Performance-P2P-Kredite-300x203.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/LANDE-Erfahrungen-Performance-P2P-Kredite-120x80.png 120w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/270;\" \/><\/a><\/p>\r\n<p>Investors should be aware that loan defaults are part of the business and cannot be avoided in the long term.<\/p>\r\n<p>The average loan-to-value ratio on LANDE is 44%. If farmers are no longer able to repay their loans, the loans appear to be well secured.<\/p>\r\n<p>The first defaulted loans were successfully and 100% recovered. This means that investors have not yet suffered any losses on their investments. The registered collateral has always had a sufficient risk buffer.<\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Advantages and Disadvantages<\/strong><\/span><\/h2>\r\n<p>In this section I have listed the most important advantages and disadvantages of LANDE.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2020<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> License holder under the EU Crowdfunding Regulation (ECSP)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Investor Funds:<\/strong> Legally supervised separation of investor and company funds<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> Audited financial statements are published on a regular basis<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Profitability:<\/strong> Platform operates on a profitable level<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Secondary market, short maturities or early exit possible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> No fees or costs for investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Recoveries:<\/strong> Significant time required to recover defaulted loans<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>Summary LANDE Review<\/strong><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Lande-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" class=\"alignleft wp-image-21669 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Lande-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Lande-Review-P2P-2024\" width=\"400\" height=\"533\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Lande-Erfahrungen-P2P-Kredite-Reise-2024.jpg 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Lande-Erfahrungen-P2P-Kredite-Reise-2024-225x300.jpg 225w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/533;\" \/><\/a>What is the final verdict of my LANDE review and my personal opinion of the platform?<\/p>\r\n<p>LANDE is a regulated crowdfunding platform based in Latvia that operates in an exciting and rapidly growing niche with its positioning in the agricultural sector. This not only offers great growth potential for the platform, but also creates real value for investors in terms of diversification.<\/p>\r\n<p>Due to the strong growth of the platform, there was a temporary overload of operational processes, which affected IT, the secondary market and the collection process, among other things. However, LANDE has been much more stable again since summer 2024. The performance of the loan portfolio is also within a good range.<\/p>\r\n<p>Anyone who is looking for an additional alternative to their P2P portfolio, apart from traditional consumer loans, LANDE is an emerging platform worth considering.<\/p>\r\n\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>LANDE Alternatives<\/strong><\/span><\/h3>\r\n<p>Already invested in LANDE? Or looking for similar platforms? Here are three LANDE alternatives from the P2P market.<\/p>\r\n<p><strong>InSoil Finance:<\/strong> The largest P2P platform in the Baltics with a focus on agricultural loans. Similar to LANDE, InSoil Finance targets investors that are looking to finance farmers and agricultural businesses, with loans that are notably secured through farmland and heavy machinery. Compared to LANDE, InSoil Finance offers a broader geographical diversification across multiple European markets. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/insoil-finance-review\/\" target=\"_blank\" rel=\"noopener\"><strong>InSoil Finance review<\/strong><\/a>.<\/p>\r\n<p><strong>Crowdpear:<\/strong> A regulated crowdfunding marketplace based in Lithuania. Focus on mortgage-secured real estate loans from the Baltic region. Crowdpear was built by the same team behind the P2P marketplace PeerBerry and stands out through a notably strong loan portfolio performance and a high level of transparency. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Crowdpear review<\/strong><\/a>.<\/p>\r\n<p><strong>Debitum:<\/strong> A regulated P2P marketplace based in Latvia. Focus on business loans. Like LANDE, Debitum targets investors that are looking to invest in secured loans outside of classical consumer lending. With the Latvian Forest Development Fund and Baltic Terra, Debitum also offers a notably strong focus on the forestry and timber industry. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/debitum-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Debitum review<\/strong><\/a>.<\/p>\r\n<p>You can find other LANDE alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\">FAQ LANDE Review<\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1619534122978\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is LANDE?<\/strong>\r\n<p class=\"schema-faq-answer\">LANDE (formerly LendSecured) is a Latvian P2P platform regulated under the EU Crowdfunding Regulation (ECSP) since February 2024, where investors can invest in secured agricultural loans. Returns reach up to 12%. The platform launched operationally in July 2020.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1619534129464\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 What returns can I expect from LANDE?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Interest rates typically range between 10% and 12% depending on market conditions. My personal total return since December 2021 stands at 9.46%. Potential loan defaults should be factored into return expectations, even though no capital losses have occurred to date.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1619534136292\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How are loans secured on LANDE?<\/strong>\r\n<p class=\"schema-faq-answer\">LANDE does not offer a buyback guarantee. Instead, agricultural land, machinery, and crop yields serve as collateral. The average loan-to-value ratio is just 44%, which is significantly lower than the industry average on real estate platforms.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1619534166024\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Is there a secondary market on LANDE?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Yes. The secondary market was originally introduced in October 2020 and relaunched in June 2024 after a longer break. Investors can buy or sell already financed loans from as little as \u20ac2, with no fees charged.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774433375395\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 Is there a bonus for signing up with LANDE?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Yes. New investors registering via my partner link receive 3% cashback on all investments made within the first 30 days. On a \u20ac10,000 investment, that equals \u20ac300 cashback.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36696,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15133","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>LANDE Review 2026: 10% Return After 4 Years! (Good Investment)<\/title>\n<meta name=\"description\" content=\"LANDE Review 2026: 10% Return After 4 Years! (Good Investment) Deep Dive LANDE Review \u271a 1% Cashback for New Sign-Ups!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/lande-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LANDE Review 2026: 10% Return After 4 Years! (Good Investment)\" \/>\n<meta property=\"og:description\" content=\"LANDE Review 2026: 10% Return After 4 Years! (Good Investment) Deep Dive LANDE Review \u271a 1% Cashback for New Sign-Ups!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rethink-p2p.de\/en\/lande-review\/\" \/>\n<meta property=\"og:site_name\" content=\"re:think P2P\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/fb.me\/rethinkp2p\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-28T15:49:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Review-P2P-Lending-2026-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/\",\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/\",\"name\":\"LANDE Review 2026: 10% Return After 4 Years! (Good Investment)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rethink-p2p.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/LANDE-Review-P2P-Lending-2026-.jpg\",\"datePublished\":\"2021-10-27T04:00:00+00:00\",\"dateModified\":\"2026-09-28T15:49:31+00:00\",\"description\":\"LANDE Review 2026: 10% Return After 4 Years! (Good Investment) Deep Dive LANDE Review \u271a 1% Cashback for New Sign-Ups!\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534122978\"},{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534129464\"},{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534136292\"},{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534166024\"},{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1774433375395\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#primaryimage\",\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/LANDE-Review-P2P-Lending-2026-.jpg\",\"contentUrl\":\"https:\\\/\\\/rethink-p2p.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/LANDE-Review-P2P-Lending-2026-.jpg\",\"width\":800,\"height\":200},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"LANDE Review 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/\",\"name\":\"re:think P2P\",\"description\":\"Deep Dive P2P Platform Reviews and Comparisons\",\"publisher\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#organization\",\"name\":\"re:think P2P\",\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Logo-2026-HD-1.png\",\"contentUrl\":\"https:\\\/\\\/rethink-p2p.de\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Logo-2026-HD-1.png\",\"width\":1348,\"height\":302,\"caption\":\"re:think P2P\"},\"image\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"http:\\\/\\\/fb.me\\\/rethinkp2p\",\"https:\\\/\\\/www.instagram.com\\\/dennydna\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/denny-neidhardt\\\/\"]},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534122978\",\"position\":1,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534122978\",\"name\":\"\u2705 What is LANDE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"LANDE (formerly LendSecured) is a Latvian P2P platform regulated under the EU Crowdfunding Regulation (ECSP) since February 2024, where investors can invest in secured agricultural loans. Returns reach up to 12%. The platform launched operationally in July 2020.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534129464\",\"position\":2,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534129464\",\"name\":\"\u2705 What returns can I expect from LANDE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Interest rates typically range between 10% and 12% depending on market conditions. My personal total return since December 2021 stands at 9.46%. Potential loan defaults should be factored into return expectations, even though no capital losses have occurred to date.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534136292\",\"position\":3,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534136292\",\"name\":\"\u2705 How are loans secured on LANDE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"LANDE does not offer a buyback guarantee. Instead, agricultural land, machinery, and crop yields serve as collateral. The average loan-to-value ratio is just 44%, which is significantly lower than the industry average on real estate platforms.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534166024\",\"position\":4,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1619534166024\",\"name\":\"\u2705 Is there a secondary market on LANDE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. The secondary market was originally introduced in October 2020 and relaunched in June 2024 after a longer break. Investors can buy or sell already financed loans from as little as \u20ac2, with no fees charged.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1774433375395\",\"position\":5,\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/lande-review\\\/#faq-question-1774433375395\",\"name\":\"\u2705 Is there a bonus for signing up with LANDE?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. New investors registering via my partner link receive 3% cashback on all investments made within the first 30 days. On a \u20ac10,000 investment, that equals \u20ac300 cashback.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"LANDE Review 2026: 10% Return After 4 Years! (Good Investment)","description":"LANDE Review 2026: 10% Return After 4 Years! (Good Investment) Deep Dive LANDE Review \u271a 1% Cashback for New Sign-Ups!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rethink-p2p.de\/en\/lande-review\/","og_locale":"en_US","og_type":"article","og_title":"LANDE Review 2026: 10% Return After 4 Years! (Good Investment)","og_description":"LANDE Review 2026: 10% Return After 4 Years! (Good Investment) Deep Dive LANDE Review \u271a 1% Cashback for New Sign-Ups!","og_url":"https:\/\/rethink-p2p.de\/en\/lande-review\/","og_site_name":"re:think P2P","article_publisher":"http:\/\/fb.me\/rethinkp2p","article_modified_time":"2026-09-28T15:49:31+00:00","og_image":[{"width":800,"height":200,"url":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Review-P2P-Lending-2026-.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"17 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["WebPage","FAQPage"],"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/","url":"https:\/\/rethink-p2p.de\/en\/lande-review\/","name":"LANDE Review 2026: 10% Return After 4 Years! (Good Investment)","isPartOf":{"@id":"https:\/\/rethink-p2p.de\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#primaryimage"},"image":{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#primaryimage"},"thumbnailUrl":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Review-P2P-Lending-2026-.jpg","datePublished":"2021-10-27T04:00:00+00:00","dateModified":"2026-09-28T15:49:31+00:00","description":"LANDE Review 2026: 10% Return After 4 Years! (Good Investment) Deep Dive LANDE Review \u271a 1% Cashback for New Sign-Ups!","breadcrumb":{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534122978"},{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534129464"},{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534136292"},{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534166024"},{"@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1774433375395"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rethink-p2p.de\/en\/lande-review\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#primaryimage","url":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Review-P2P-Lending-2026-.jpg","contentUrl":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/LANDE-Review-P2P-Lending-2026-.jpg","width":800,"height":200},{"@type":"BreadcrumbList","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/rethink-p2p.de\/en\/"},{"@type":"ListItem","position":2,"name":"LANDE Review 2026"}]},{"@type":"WebSite","@id":"https:\/\/rethink-p2p.de\/en\/#website","url":"https:\/\/rethink-p2p.de\/en\/","name":"re:think P2P","description":"Deep Dive P2P Platform Reviews and Comparisons","publisher":{"@id":"https:\/\/rethink-p2p.de\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rethink-p2p.de\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/rethink-p2p.de\/en\/#organization","name":"re:think P2P","url":"https:\/\/rethink-p2p.de\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rethink-p2p.de\/en\/#\/schema\/logo\/image\/","url":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Logo-2026-HD-1.png","contentUrl":"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/Logo-2026-HD-1.png","width":1348,"height":302,"caption":"re:think P2P"},"image":{"@id":"https:\/\/rethink-p2p.de\/en\/#\/schema\/logo\/image\/"},"sameAs":["http:\/\/fb.me\/rethinkp2p","https:\/\/www.instagram.com\/dennydna\/","https:\/\/www.linkedin.com\/in\/denny-neidhardt\/"]},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534122978","position":1,"url":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534122978","name":"\u2705 What is LANDE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"LANDE (formerly LendSecured) is a Latvian P2P platform regulated under the EU Crowdfunding Regulation (ECSP) since February 2024, where investors can invest in secured agricultural loans. Returns reach up to 12%. The platform launched operationally in July 2020.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534129464","position":2,"url":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534129464","name":"\u2705 What returns can I expect from LANDE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Interest rates typically range between 10% and 12% depending on market conditions. My personal total return since December 2021 stands at 9.46%. Potential loan defaults should be factored into return expectations, even though no capital losses have occurred to date.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534136292","position":3,"url":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534136292","name":"\u2705 How are loans secured on LANDE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"LANDE does not offer a buyback guarantee. Instead, agricultural land, machinery, and crop yields serve as collateral. The average loan-to-value ratio is just 44%, which is significantly lower than the industry average on real estate platforms.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534166024","position":4,"url":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1619534166024","name":"\u2705 Is there a secondary market on LANDE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. The secondary market was originally introduced in October 2020 and relaunched in June 2024 after a longer break. Investors can buy or sell already financed loans from as little as \u20ac2, with no fees charged.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1774433375395","position":5,"url":"https:\/\/rethink-p2p.de\/en\/lande-review\/#faq-question-1774433375395","name":"\u2705 Is there a bonus for signing up with LANDE?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. New investors registering via my partner link receive 3% cashback on all investments made within the first 30 days. On a \u20ac10,000 investment, that equals \u20ac300 cashback.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15133","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/comments?post=15133"}],"version-history":[{"count":122,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15133\/revisions"}],"predecessor-version":[{"id":37482,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/pages\/15133\/revisions\/37482"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media\/36696"}],"wp:attachment":[{"href":"https:\/\/rethink-p2p.de\/en\/wp-json\/wp\/v2\/media?parent=15133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}