LANDE review
Updated October 1, 2026 · BrokerCue Editorial Team · Facts checked October 1, 2026
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Our verdict
LANDE suits investors who want to fund companies directly and can leave their money in place until a loan matures. Entry sits at €50 per loan and the stated target return is 11.2%, while LANDE offers no buyback guarantee, so early access to cash rests on the secondary market.
Key facts
- Best for
- Investors who want to fund business loans from €50 and accept money staying tied up until maturity.
- Target return
- 11.2% (Source, checked October 1, 2026)
- Minimum investment
- €50 (Source, checked October 1, 2026)
- Buyback guarantee
- No (Source, checked October 1, 2026)
- Secondary market
- Yes (Source, checked October 1, 2026)
- Regulators
- Bank of Latvia (Source, checked October 1, 2026)
- Headquarters
- Latvia (Source, checked October 1, 2026)
- Official website
- lande.finance
Brokers
- Minimum deposit
- €50 (Source, checked October 1, 2026)
- Account fee
- €0 (Source, checked October 1, 2026)
- Regulators
- Bank of Latvia (Source, checked October 1, 2026)
- Investor protection
- EU ICS up to EUR 20,000 (Source, checked October 1, 2026)
- Headquarters
- Latvia (Source, checked October 1, 2026)
- Pricing model
- Commission-free
- Audience
- Beginners, Experienced traders
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Investors pay €0, and LANDE takes its earning from borrower-side service fees rather than from what investors receive.
- Loans can be bought from €50, an entry point the platform presents as open to newcomers and experienced investors alike.
- A secondary market lets investors sell loans before they reach their end, rather than waiting out every term.
- LANDE is supervised by the Bank of Latvia.
- A stated target return of 11.2% gives readers a figure to weigh against the time their money is committed.
Cons
- Funds stay with a loan until it reaches its end and LANDE offers no buyback guarantee, so the stated 11.2% comes with a wait the reader cannot shorten.
- The 11.2% figure sits on money tied to individual companies, and LANDE's revenue comes from borrower-side service fees, so nothing in that structure cushions a business that pays late.
- The €50 entry point applies to each loan, so spreading money across borrowers takes repeated purchases rather than one outlay.
Who it suits
- Investors who want their money to reach companies directly instead of sitting on a deposit.
- Readers starting small, since loans can be bought from €50.
- Investors with a longer horizon who are comfortable waiting for a loan to reach its end.
Who should look elsewhere
- Anyone who needs their money on a fixed date: the cash stays with a loan until it reaches its end and LANDE offers no buyback guarantee.
- Readers who will not look at the company behind a single loan, because the money goes into individual businesses.
Who regulates it
LANDE matches investors with companies looking for business finance, and it runs under supervision rather than as an unchecked listing site. The Bank of Latvia is the named supervisor in its home market. That structure matters to a reader weighing the safety of the money. An authority polices how the operation runs, so the terms attached to a loan note and the handling of investor orders sit under oversight, and there is someone to approach if the platform falls short of its own description. What that oversight cannot do is decide whether a business you have funded will pay on the day its loan falls due. Keeping the layers apart is the useful habit here. The supervisor answers for the marketplace. The borrower answers for the cash. Investors on LANDE buy into company loans rather than leaving money on a deposit, so both layers matter to the same sum.
How your money is protected
The plainest fact about safety here is that money goes into a loan to a company and stays there until the loan reaches its end. LANDE offers no buyback guarantee, so nothing sits underneath the note to take it off your hands early. That makes the exit the first question, ahead of the fee. A reader who needs cash on a set date has to plan around the loan rather than around a notice period, and the answer will not be a quick transfer out of an account. There is a way to act before the end, and it is the secondary market, where investors are able to sell loans earlier. Treat that as a market rather than a promise: it works when another investor is ready to buy and on a price you can agree, not because LANDE has committed to take the loan back. So the protection on offer is thin in a specific way, and it is worth being exact about it: a place to trade before the end, and no guarantee underneath the loan itself.
Returns and risk
The stated target return is 11.2%. That figure is the headline a reader starts from, and it sits alongside an entry point of €50 per loan. Read it against what produces it. The return attaches to individual company loans, so the result depends on those businesses repaying and on when they repay, rather than on a spread of assets smoothing out a bad month. LANDE also offers no buyback guarantee, and a loan runs its course, so the time you commit to is the time you accept when you buy. The secondary market is the one lever on timing. Investors are able to sell loans there earlier, so a reader who needs cash sooner has something to act on, with the terms of that sale sitting between the two investors rather than set by the platform. That is the trade-off: a stated 11.2%, money tied to a business loan, and an early exit that depends on a buyer appearing rather than on a promise.
The company behind it
LANDE operates from Latvia and is supervised by the Bank of Latvia. The business behind the platform is a European marketplace that puts investors into loans to companies seeking finance. Its revenue comes from borrower-side service fees, which the platform says keeps investment terms transparent for the people funding the loans. Investors pay €0, so the platform's income does not depend on trimming what an investor receives. For a reader comparing how an account works, the shape is simple. Buy into a company loan, watch the company repay on the agreed schedule, and use the secondary market if the timing no longer suits. Supervision and clear borrower-side fees sit around that structure rather than replacing it.
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Where LANDE is available
- Licence in Latvia
- Bank of Latvia, checked October 1, 2026
Frequently asked questions
What is the smallest amount I can put into a LANDE loan?+
Loans can be bought from €50. That figure applies to each loan, so spreading money across several companies takes repeated purchases. LANDE presents this entry point as the reason beginners and experienced investors can both take part.
Does LANDE charge investors anything?+
Investors pay €0. LANDE says investors carry no hidden fees, and that the platform earns through borrower-side service fees instead, which it says keeps investment terms transparent. A reader comparing platforms can therefore read the loan terms without stripping an investor charge out of them.
What return does LANDE target?+
The stated target return is 11.2%. It is a target rather than a promise, and it attaches to individual company loans, so the outcome depends on those businesses repaying and on when they repay. Read it as a figure to weigh, not as a guaranteed yield.
Who supervises LANDE?+
The Bank of Latvia supervises LANDE in its home market of Latvia. Supervision tells you how the operation runs and who polices it, not whether a funded company pays on time.
Who is LANDE built for?+
LANDE says its platform is open to beginners and experienced investors, with €50 per loan given as the reason both groups can take part. It fits people who want their money to reach companies directly and who can wait for a loan to run its course.
How would I sell a loan before it ends?+
LANDE runs a secondary market, and investors are able to sell loans there earlier. That route is separate from any guarantee: the sale depends on another investor being ready and on a price you can both agree, rather than on a commitment from the platform to take the loan back.
Sources
- lande.finance checked October 1, 2026
Backs: Account fee, Audience, Buyback guarantee, Headquarters, Investor protection, Minimum deposit, Minimum investment, Pricing model, Regulators, Secondary market, Target return, Licences
“Are there hidden fees for investors? No. LANDE does not charge hidden fees to investors.”
Compiled from 1 source page, checked October 1, 2026. We did not open an account.
LANDE
Investors who want to fund business loans from €50 and accept money staying tied up until maturity.