Landex – Easily Invest in European Farmland and Forestland

Looking to diversify into an asset class with solid security, interesting yield and less volatility? Lots of people have been investing in property for that purpose – however farm land and forest land has been outside the scope of most private investors bar the ultra-rich so far.

The newly launched startup Landex* (please use referral code 3SHWP, thx) now gives everybody access to this interesting asset class by enabling investments into European land starting from 10 EUR.

Landex value development

All the details of how the processworks are on the Landex* website, so here are just some excerpts.

From the whitepaper:

Land types provided on Landex
Landex wants to give investors a wide choice while doing thorough due diligence. Landex is well-equipped to
assess and have listing of the following land types:

  • Farmland – typical farmland investment where we lease the land to farmers
  • Forestland – we manage the forestland and sell the crops
  • Carbon land a subcategory of all the above, lands that have a significant part of their returnscoming from carbon income. Regenerative agriculture, reforestation lands and improved forest
    management, etc.
  • Biodiversity land types of lands that do not have a commercial crop. Naturally protected areas, wetlands (swamps, mangroves), natural grasslands, etc.
  • Development land land purchases with the idea to turn them into residential or commercial areas

The whole process is managed through the Landex app (available for iOS and Android).

After registering, I deposited 100 EUR to gain first experiences and then went through the verification process on the smartphone (which is conducted by Veriff and was completed in 2 minutes in my case).

Then I was ready to invest. I browsed the details of the 2 land plots on offer and invested 40 EUR in the farmland plot and 20 EUR in the forest land plot.

landex screenshot landex invest screenshot landex portfolio screenshot

As it is of course impossible to buy whole plots for the amount I invested, Landex is based on crowdfunding with multiple investors financing a purchase through an SPV and fractional ownership.

Why invest in land?

I like it for the following factors. It is a scarce ressource, that is limited and cannot be inflated. Land is an economic asset that has been bought, sold and used for centuries offering high security. It’s price is much less volatile than other assets (e.g. stocks or houses). While the yield is primarily generated in value appreciation is does generate some yearly income too as most plots are rented out.

Landex has just launched. The next development steps are introduction of an autoinvest feature and a secondary market. Landex does not charge any fees for investing, but optional usage of the secondary market will incur a small fee.

Landex uses a refer a friend feature, where investors can invite further investors. For each referred investor you get 10 EUR bonus that can be used to invest in land. If you need a referral code to sign up at Landex* please use code 3SHWP, thank you.

landex invest in land

Estateguru raises 5.8M EUR Series A Funding

Estateguru LogoEstateGuru*, the pan-European marketplace for short-term, property-backed loans headquartered in Tallinn, Estonia, today announces the successful closure of its Series A funding round, with investments coming from Switzerland, United Kingdom, Czechia, Austria, Germany and Cyprus.

The lead investor for the round is TMT Investments Plc, a UK VC, and a public company that was also an early investor in both Bolt and Pipedrive. Among other VCs, there are the Swiss VCs Verve Ventures and Swiss Immo Lab, and J&T IB and Capital Markets, the investment banking arm of the Czech investment bank J&T.

The total amount raised is €5,8M (ca $7M). This follows a successful equity fundraising round on the Seedrs* platform in May this year. The round exceeded its initial target by 260%. The campaign’s maximum target was achieved within just four days, instead of the initially planned 40-day-campaign. EstateGuru says it has been thriving thanks to retail investors’ support for the business model since the very beginning of the company, with 41% of new investors coming from referrals and 90% of investors doing so repeatedly. One in two borrowers returns to EstateGuru by taking out six loans in ?ve years’ time on average. This was also the reasoning behind the Seedrs round in May. EstateGuru states it believes in the importance and power of the community and considers it extremely important to give them a chance to participate in the equity raise.

‘We have an ambitious technology and expansion roadmap for the next few years, and the success of this fundraising round will position us perfectly to deliver on this and continue providing all investors and borrowers with the very best real estate financing platform. We are developing a modern ecosystem for market participants and believe that very soon, traditional financiers will also prefer to use our platform in order to stay competitive. The fact that the same investors who have invested in two of Estonia’s leading startups, Pipedrive and Bolt, have now chosen to put their faith in EstateGuru is the perfect affirmation that our business model is robust and that we are ready to seriously accelerate our growth,’ says Marek Pärtel, CEO and Co-Founder of EstateGuru.

‘We are happy to support EstateGuru in the new round. It solves important problems – attracting money to real estate and at the same time making it possible to invest investors’ funds at a profit and at the most modern level. According to various estimates, the p2p lending market will grow by 2025 from $ 350 billion to $ 0.5 trillion. We strongly believe in EstateGuru’s prospects’, – says Artyom Inyutin, Co-founder & Head of Investments, TMT Investments.

‘There is a significant SME financing gap in Europe and a strong investor appetite for high-yield investment products. EstateGuru is in a perfect position to take advantage of these two trends and become a global leader in real-estate backed lending.’ added Jo?o Duarte from Verve Ventures / Swiss Immo Lab.

International P2P Lending Volumes August 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of  Assetz Capital* and Peerberry*. The total volume for the reported companies in the table adds up to 492million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Milestones achieved this month:

  • Credit.fr* crossed 100M EUR  originations since launch
  • Mintos* crossed 7000M EUR loan volum since launch

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistics august 2021
Table: P2P Lending Volumes in August 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading

International P2P Lending Volumes July 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported companies in the table adds up to 386 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistic July 2021
Table: P2P Lending Volumes in July 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading

International P2P Lending Volumes June 2021

The table lists the loan originations of p2p lending services for last month. Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported companies in the table adds up to 428 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms.

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistic june 2021
Table: P2P Lending Volumes in June 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Growly*, Investly*, Iuvo Group*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Reinvest24*, Robocash*, Soisy*, Sourced*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading

International P2P Lending Volumes May 2021

The table lists the loan originations of p2p lending marketplaces for last month. Mintos* leads ahead of Peerberry* and Assetz Capital*. The total volume for the reported companies in the table adds up to 368 million Euro. I track the development of p2p lending volumes for many markets. Since I already have most of the data on file, I can publish statistics on the monthly loan originations for selected p2p lending platforms. This month I added Esketit*.

Milestones crossed:

  • Lendermarket* crossed 100M EUR loan volume originated since inception
  • Robocash* reached 250M EUR loan volume originated since launch

Investors living in national markets with no or limited selection of local p2p lending services can check this list of international investing on p2p lending services. Investors can also explore how to make use of current p2p lending cashback offers available. UK investors can compare IFISA rates.

p2p lending statistic may 2021
Table: P2P Lending Volumes in May 2021. Source: own research
Note that volumes have been converted from local currency to Euro for the purpose of comparison. Some figures are estimates/approximations.

Links to the platforms listed in the table: Ablrate*, Archover*, Assetz Capital*, Bondora*, Brickfy* Bulkestate*, Credit.fr*, Crowdproperty*, Debitum Network*, Dofinance*, Esketit*, Estateguru*, Fellow Finance*, Finansowo*, Finbee*, Folk2Folk*, Geldvoorelkaar*, Growly*, Investly*, Kuflink*, Kviku.Finance*, Landlordinvest*, Lendermarket*, Linked Finance*, Mintos*, October*, Peerberry*, Proplend*, Rebuilding Society*, Reinvest24*, Robocash*, Soisy*, Sourced*, Swaper*, Twino*, Viainvest*, Zopa*.

Notice to p2p lending services not listed: Continue reading