You're reading the July 2025 edition of LANDE's Platform Performance Report, which we publish monthly to highlight our progress in loan issuance and debt collection and provide insight into other platform or team developments.
The total amount farmers borrowed through the LANDE platform across our three markets in July 2025 was €1,619,984 across 45 projects (avg. project value €35,999). The breakdown by country is as follows:
The share of loans issued in July that were backed by either land/property or machinery in each market was the following: Romania 100%; Lithuania 95%; Latvia 89%.
117 new investors registered on the LANDE Platform in July.
LANDE investors earned a total of €144,989 in interest in July, with the all-time total having now reached €3.25 million.
The Investor Relations team reported a stable number of customer support tickets submitted in July compared to the previous month, with no significant issues generating high ticket volumes.
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Loan repayment statistics
At the end of July there were 1,582 projects funded through the LANDE platform, of which 809 had been repaid in full while 773 were active, with their repayment status detailed below (+comparison with previous month):
Loans with collateral consisting of livestock and harvest hold the highest shares of 90+ day delays, which is why we have been moving away from these collateral categories and focusing more on securing projects backed by land and/or machinery.
Repaid principal totalled €726,667 in July, while the all-time total has reached €18.5 million.
More real-time portfolio data can be found on our statistics page.
Debt collection stages
Below is a breakdown of debt collection stages for delayed loans. Most of the 90+ loans are already in the enforcement phase with bailiffs engaged in recovering the value of the collateral.
Details about debt collection stages can be found here.
Market highlights
Latvia:
The Latvian team not only successfully secured financing for new clients during the month but also recovered overdue payments from late borrowers. This achievement is particularly significant at a time when farmers are still awaiting proceeds from grain sales or subsidy disbursements.
Several projects that were overdue by more than 90 days were successfully refinanced or recovered. Loan IDs: 12457282, 220117-733677, 220117-863249, 220404-518901, 230815-888073, 231127-378529, default 221222-883308.
In July, an additional team member joined the marketing department. Even within the first month, tangible benefits were observed, and these results are expected to translate into increased client acquisition in August.
Finally, considering the state of emergency declared in the Latvian agricultural sector, LANDE has initiated discussions with the well-known German insurance company VH (VEREINIGTE HAGEL) regarding a cooperation agreement. Such a partnership would further strengthen investor confidence and provide additional security to the lending framework.
Romania:
In July, LANDE Romania issued a total of EUR 459,400 and published 10 projects. To maintain close relationships with existing clients – many of whom are seeking additional financing from LANDE - we are actively visiting farmers across the country. In July, we produced an extended video testimonial with a farmer in Brasov together with our partners at Agrointeligenta, Romania’s leading agriculture-focused publication – video & article (in Romanian).
The local team has signed several new partnerships that will enable us to publish more high-quality projects, and we have also started collaborations with new agents who are conducting farm visits.
July was also a month when we focused on contacting upcoming payers for August/September (as a large portion of clients have bigger repayments scheduled after receipt of harvest income). This was done to ensure that we can collect funds for investors on time and, if any issues arise, react quickly and effectively as possible.
Lithuania:
Thanks to active marketing efforts and newly launched advertising campaigns—shared both on our social media channels and via our local partnerships—July marked a new record for our operations in Lithuania.
We are especially pleased that 77% of all closed deals came from new clients, significantly expanding our customer portfolio. At the same time, our existing clients continue to trust us, as they are returning and choosing to take out additional loans, demonstrating strong customer loyalty.
In terms of debt collection, July was stable. We received payments from bailiffs as usual, with no disruptions or notable changes in the recovery process.