You're reading the March 2026 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 of financing provided to farmers through the LANDE platform across our four markets in March 2026 was €3,004,327 across 86 projects (avg. project value €34,934).
Both the amount and the number of loans represent all-time records – first time we crossed the €3 million monthly total financing threshold!
The breakdown of financing by country is as follows:
The share of loans issued in March that were backed by either land/property or machinery in each market was the following: Romania 100%; Lithuania 100%; Latvia 95%, Poland 100%.
116 new investors registered on the LANDE Platform in March.
LANDE investors earned a total of €162,444 in interest in March, with the all-time total having now reached €4.59 million.
Bonus opportunities
New investors get 3% cashback on all investments they make on the Primary Market in the first 30 days on the platform using this link.
Additionally, all investors will get a 1% referral bonus for recommending our platform to a friend using the unique referral link on their dashboards (bonus applies to the investments made by the referred user in the first 30 days).
The Spring Cashback Booster campaign was also extended, which means you can earn additional bonuses on your qualifying investments until April 30:
Invest €500+ → get 0.5% cashback
Invest €1,000+ → get 1% cashback
Invest €5,000+ → get 2% cashback
Cashback applies only when the required minimum amount is invested in a single transaction on the Primary Market.
Loan repayment statistics
At the end of March there were 2,037 projects funded through the LANDE platform, of which 1,114 had been repaid in full while 922 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 €1,096,677 in March, while the all-time total has reached €28.3 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
An agreement has been concluded at notary regarding a payment schedule; in the event of non-compliance, enforcement will be directed against all assets of the borrower and the co-borrower by a certified bailiff – 12495306
An auction has been announced by a certified bailiff for the real estate (collateral) – 231205-214353;
An enforcement document has been submitted to a certified bailiff for execution against the assets of the borrower and the co-borrowers – 12555559
Applications have been submitted to a certified bailiff, in accordance with enforcement documents, regarding auctions of the mortgaged lands (collateral) – 12405529; 12471185;
Projects closed in March (refinanced) – 12571661, 230323-544415, 12403925, 231026-113104, 12563269, 240125-714650, 230321-694384, 12529151, 12563534.
Lithuania
Spring marks the beginning of a new season for farmers, and it has been just as dynamic for LANDE’s Lithuania branch. March continued the strong momentum of the earlier months of the year. We’re happy to note that 50% of the loans issued were to new clients, while our existing clients continued to show strong trust in us, returning for additional financing or increasing their current loan amounts.
Most of the funding was used to kick off the agricultural season, primarily for working capital, which is crucial during spring. At the same time, as applications for NMA projects begin, we are seeing growing interest in co-financing opportunities, with more and more clients reaching out to us with related inquiries.
These results clearly reflect the increasing interest in сотрудничество with LANDE. To support this growth, we are actively strengthening our team—since April, a new colleague has joined us, helping to speed up application processing and further improve our service quality.
We are confident about the road ahead and are moving towards new records in the Lithuanian market.
Romania
March marked a strong acceleration in market activity, driven by the start of intensive spring fieldwork and a significant rise in client demand. We recorded a large number of loan applications, improving portfolio quality, and strengthened sales capacity, while most credit disbursements are expected to materialize in the following months.
Financing needs were primarily driven by urgent spring operational requirements, including inputs, fuel, and short‑term working capital. While liquidity pressure persisted for some grain producers, market sentiment improved as clients actively prepared for field execution.
Sales activity in March focused primarily on application intake, structuring, and credit assessment, rather than immediate disbursement. A large number of applications progressed through various stages of analysis, approval, and documentation, creating a well‑diversified pipeline across multiple maturity stages.
Portfolio structure improved, with a healthier NPL profile supported by better client selection, proactive risk management, and optimizations to operational processes to support growing scale and complexity. We welcomed a new member in our sales team, strengthening coverage capacity and supporting the higher application flow during peak season.
Recovery efforts delivered visible results, reflected in the improved NPL structure of the portfolio. Active monitoring, disciplined follow‑ups, and tailored restructuring solutions supported repayment continuity while addressing temporary seasonal constraints. The focus remained on stability and consistent investor payments during the high‑activity period.
Priorities for the coming months include converting the strong March application pipeline into disbursements, supporting clients through peak spring operations, and maintaining improved portfolio quality. With application volumes remaining high, focus will remain on execution speed, disciplined credit decisions, and sustained recovery performance to support stable growth throughout the spring season.
Poland
March was a strong month in Poland. We signed 12 projects with a total value of over EUR 530,000, which is more than double the result from February and shows clear growth - mainly driven by our partner channel, which has become a stable and scalable source of new deals. More and more brokers trust us and send us new cases, which confirms the quality of our work and decision process.
At the same time, we are working on enhancing our lead generation by refreshing and diversifying our marketing activities.
In March, we also completed a more complex transaction: we financed 100% of the gross value of agricultural equipment (a crop sprayer), secured by the assignment of subsidy rights from a public agency. This shows our flexibility and ability to structure tailored solutions.
Importantly, all projects financed so far are being repaid on time, with no delays. This confirms the strong quality of our portfolio and our credit process.
With a growing pipeline and steady inflow from partners, Poland is moving towards a more predictable and scalable sales model. Our focus now is on improving conversion, strengthening partner relationships, and maintaining high-quality growth.