Industry Recognition
June brought another important milestone for LANDE. The platform was ranked among Europe's Top 3 Safest P2P Platforms by Denny Neidhardt (Re:Think P2P), receiving an outstanding 7.7/10 risk score thanks to its low average Loan-to-Value (LTV) ratio of under 44% and highly secured agricultural-backed lending model. You can read the full assessment here: P2P Platform Risk: Ranking and Methodology
At the same time, LANDE was also ranked 3rd in the updated July 2026 ranking published by Lars Wrobbel (Passives Einkommen Mit P2P), further confirming our strong position among Europe's leading P2P investment platforms. The full ranking is available here: P2P Ratings - Invest successfully in P2P loans
Platform Performance Overview
The total amount of financing provided to farmers through the LANDE platform across our four markets in June 2026 was €2,328,957 across 69 projects (avg. project value €33,753).
The breakdown of financing by country is as follows:
The share of loans issued in June that were backed by either land/property or machinery in each market was the following: Latvia 93,3%, Lithuania 100%, Romania 92.3%; Poland 100%.
176 new investors registered on the LANDE Platform in June.
LANDE investors earned a total of €166,075 in interest in June, with the all-time total having now reached €5.09 million.
Average interest rate
In June, investor returns reached 13.01%, without cashback campaign and other bonuses.
Loan repayment statistics
At the end of June there were 2,241 projects funded through the LANDE platform, of which 1,211 had been repaid in full while 1,030 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 €1,003,707 in June, while the all-time total has reached €30.91million.
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
We closed June with positive results, continuing our steady growth and further expanding our client portfolio.
During the month, we welcomed a number of new clients while also seeing an increase in the average loan amount. More farmers are becoming aware of our services, with positive client experiences and referrals continuing to play an important role in attracting new customers.
It is equally encouraging to see existing clients returning for additional financing. This reflects the value they place on our responsive approach, flexible lending terms, and our willingness to find solutions tailored to their individual needs.
We are also seeing growing demand for financing related to Latvian Rural Support Service (LAD) projects, particularly for the purchase of agricultural machinery and equipment. More clients are choosing loans backed by EIF guarantees, which provide more attractive financing conditions and help facilitate the successful implementation of their investment projects.
During June, we automated the interest reimbursement process for LAD-supported loans. Clients have responded positively to this improvement, as it has made interest reimbursements simpler, faster, and more convenient while reducing the administrative burden. We remain committed to further digitalising and automating our processes to improve efficiency and provide an even better customer experience.
We would like to thank our investors for their continued trust and support. We remain committed to sustainable growth, strengthening our services, and creating long-term value for both our clients and investors.
Enforcement and debt recovery activities are progressing steadily, and we continue to work actively toward resolving outstanding cases. Based on our ongoing conversations with clients, we are seeing encouraging signs that this season has been successful, and current expectations are that many businesses will finish the season in a stronger financial position. We are already proactively contacting not only clients with overdue payments but also those with obligations due in the coming months, which allows us to address potential issues early and support timely repayments.
Lithuania
June was another stable month for the Lithuanian market, with portfolio performance remaining consistent and no significant changes compared to previous periods. Demand for financing remained healthy, while a growing share of inquiries was related to projects supported by the National Paying Agency (NMA). As farmers continue preparing and submitting applications for NMA funding, we expect demand for co-financing through the LANDE platform to increase in the coming months.
Debt recovery activities also remained stable, with no major developments during the month. We continue to closely monitor all delayed cases and work proactively to protect investors' interests.
One of June's highlights was the opportunity to visit one of our clients as part of a marketing campaign. The visit provided valuable insight into the farm's development journey and demonstrated how LANDE financing supports the long-term growth of agricultural businesses. Sharing real client stories helps strengthen transparency and showcases the tangible impact of investors' capital.
Romania
June marked another month of steady growth for LANDE Romania, with the total amount financed increasing by 14.4% compared to May. All projects funded during the month were secured by first-ranking mortgages over agricultural land or residential real estate, providing a high level of protection for investor capital. The financing was primarily used to support farm development and business expansion.
Alongside new lending activity, we continued to prioritize portfolio quality by proactively engaging with borrowers experiencing temporary payment difficulties. Our goal remains to resolve potential issues at an early stage, before they develop into significant payment delays.
Recovery and enforcement activities remained a key focus throughout June, particularly for higher-risk and financially distressed borrowers.
Legal risk management also continued to play an important role in our portfolio oversight. We maintained continuous monitoring of borrowers for litigation, enforcement, and insolvency developments, enabling timely legal action where necessary and helping safeguard LANDE's creditor position.
Overall, June was characterized by continued portfolio growth, disciplined risk management, and sustained recovery efforts, reflecting our ongoing commitment to protecting investor interests while maximizing recoveries and minimizing potential losses.
Poland
June was a period of intensive fieldwork and preparations for the upcoming harvest season. While growing conditions remained generally favourable across most of Poland, farmers continued to monitor agricultural commodity prices closely, as market uncertainty remained the main factor influencing investment decisions.
Despite this cautious sentiment, demand for financing remained resilient. The strongest interest continued to be in working capital, livestock purchases, agricultural machinery, and farmland investments. We also observed growing demand for refinancing, as farmers sought to improve liquidity, reduce financing costs, and better align repayment schedules with their production cycles.
Overall, the Polish market continues to demonstrate stable demand for flexible financing solutions tailored to the seasonal nature of agriculture, reflecting farmers' ongoing focus on maintaining liquidity and supporting the long-term development of their businesses.