Lande referral code: 1% cashback on farm investments

Registration on Lande is fully online in 3 steps:

1. Create your account (email + password)

2. Verify your identity (KYC required by the European ECSP regulation — ID and proof of address)

3. Fund your account and select your first farm projects

Identity verification usually takes 24 to 48 working hours. Once approved, you can invest on the primary market (new projects) or the secondary market (resale of holdings between investors). The Lande referral code must be entered when creating the account.

The Lande referral cashback works differently from a classic discount: it's a percentage of the amounts invested, credited over a defined period.

Current scale:

• 0.5% on €500+ invested in the primary market
• 1% on €1,000+ invested
• 2% on €5,000+ invested (for 12 months on certain offers)

On €1,000 invested at 11-13% annual return + 1% referral cashback, your effective first-year return can reach 12 to 14%. The cashback is credited to your Lande account, usable for new investments.

Lande's key characteristics:

The 11-13% returns are higher than the vast majority of traditional savings products — in exchange, the risk of farm-borrower default exists.

Lande connects European farmers seeking to finance their activities (equipment purchases, seasonal cash flow, farm development) with retail investors. The loans are backed by real assets (farmland, harvests, machinery) — which sets them apart from the unsecured loans of other crowdfunding platforms.

Loan duration varies by project — generally 6 to 24 months. Interest is paid monthly or at maturity depending on the contract. Lande's secondary market lets you resell your holdings before maturity if you need liquidity, though liquidity is not guaranteed.

Lande regularly runs temporary cashback campaigns (sometimes 2% for 12 months instead of the standard 1%) during promotional drives. A standard Lande referral code gives 1% over 90 days for €1,000 invested.

The difference: flash campaigns are time-limited but more generous over the duration. The referral code is permanently available but over a shorter period. If a flash campaign is active when you sign up, it's usually more advantageous — check the current offers on this page before activating your code.

Lande finances farms across several European countries (Latvia, Lithuania, Estonia, Finland, with expansion underway). Projects are mainly:

• Seasonal cash-flow loans: financing seed, fertiliser or fuel purchases before harvest
• Farm equipment financing: tractors, specialised machinery
• Farm development: acquiring land or buildings

Each project displays the borrower's profile, the collateral provided, the offered return and the duration. Investors freely choose the projects they want to fund — no mandatory pooled fund.

Lande stands out from other crowdfunding platforms with its specialisation in agriculture and real collateral on tangible assets. Compare it with peer platforms like Mintos, Lendermarket and Raizers.

Lande's main argument: higher returns than classic platforms thanks to the agricultural niche, with tangible collateral that limits losses in case of default.

Lande is a European agricultural crowdfunding platform, founded in Latvia and authorised under the ECSP regulation (European Crowdfunding Service Providers) since 2024 — the EU reference standard for crowdfunding platforms. It is supervised by the Bank of Latvia.

Strengths: 11-13% returns above traditional savings, collateral on real assets, EU ECSP regulation, €22M portfolio, documented 3.6% 5-year default rate.

Watch-outs: platform based in Latvia — projects and documents are often in English. Crowdfunding investments are not covered by deposit protection schemes — the risk of capital loss exists.

Before using your Lande referral code:

• KYC required: identity verification before any investment (ID + proof of address). Time: 24 to 48 working hours.
• Minimum amount: check the minimum ticket per project on lande.finance — it varies by borrower.
• Risk of capital loss: crowdfunding is not a guaranteed product. The 3.6% 5-year default rate shows some loans aren't repaid in full.
• Limited liquidity: the secondary market enables resale, but with no guarantee of immediate liquidity.
• Taxation: interest earned is subject to capital income tax according to your country of residence — declare your Lande income in your annual return.

To make the most of Lande and your referral cashback:

Diversify from the start: don't place your whole investment in a single project. Spreading across 5 to 10 projects reduces the impact of a possible default.

Read each project's collateral: Lande shows the nature of the assets securing each loan. Prefer loans backed by land (stable value) over loans on harvests (value dependent on weather).

Invest €1,000 minimum to activate the 1% cashback — below that, cashback is only 0.5%. The referral bonus is credited automatically to your account with no extra steps.

Reinvest the interest to benefit from the compounding effect over time. For other ways to grow savings, compare regulated peers like Trade Republic.