Open an InDemo account

Indemo is a newer platform in the European peer-to-peer (P2P) lending landscape, having launched in 2023 with the aim of revolutionizing real estate investing.

Based in Riga, Latvia, Indemo distinguishes itself by offering two unique investment opportunities: mortgage loans and discounted debt investments. This review delves into Indemo’s strengths and weaknesses, its innovative approach to real estate investment, and what investors can expect from their engagement with the platform.

The platform’s distinct offering of mortgage loans provides a stable and reliable investment option, with returns reaching up to 10%. These investments, secured by real estate, represent a tried-and-tested route in the property investment realm, appealing to those seeking consistency and security in their investment portfolio.

The true innovation at Indemo, however, lies in its discounted debt investments. This unique investment model targets loans initially issued by banks from Spain – where original borrowers have defaulted, allowing the platform to offer these secured loans at significant discounts.

Consequently, investors gain the opportunity to achieve an average annual return of 15.1% – a rate that stands out in the P2P lending market. These investments revolve around acquiring real estate assets at lower prices, thereby amplifying the potential for substantial returns upon the sale or resolution of these assets.

Regulation and Transparency

Let’s get some facts out of the way with regards to registration and financial transparency.

Indemo SIA is a Latvian investment firm with registration no. 40203401432, legal address: Mazā Nometņu iela 10 – 2, Rīga, LV-1002, Latvia). It is supervised by Latvijas Banka (Central Bank of Latvia). License number 06.06.08.824/547. Its operating model is based on well established EU-level MiFID investment firm license, which allows to operate all over EU.

Indemo SIA is also a member of the national investor compensation scheme established under EU Directive 97/9/EC. In simple terms, the scheme provided by the Latvian government protects investors by providing compensation if Indemo becomes a scam or fraud, up to a maximum of €20 000.

Financial reports for Indemo have been published on a yearly basis and are also audited independently by a BIG10 audit firm – Crowe, so you can feel free to check the platform’s own financial health for yourself if that’s something you’re concerned about.

The platform’s strategic positioning in Latvia, a country known for its vibrant FinTech scene, further underscores its dedication to leveraging technological advancements for optimizing investment opportunities.

Indemo Platform Overview

Indemo’s genesis can be traced back to 2021, with its official launch in the P2P landscape happening in 2023, so you might have heard of them in previous years as well. The founders are well-known in the P2P lending space and have also been present at industry events over the past years.

The platform’s headquarters in Riga, Latvia, serves as a hub for its operations. While their strategic cooperation partner who services the debts and manages the product is based in Barcelona, Spain.

Indemo’s distinctive offer lies in its dual investment offerings.

Firstly, traditional bank-type mortgage loans, a staple in real estate investing, provide a secure and familiar avenue for investors, with low Loan-To-Value of around 30% originated through the expertise of the non-banking lender authorised by the Central Bank of Spain.

The second, and more intriguing offering, is the discounted debt investment. This novel concept focuses on loans where borrowers have faltered in repayments, enabling investors to access these secured loans at a discount, thereby opening the door to potentially higher yields.

These dual offerings reflect Indemo’s commitment to innovation in the P2P space, catering to both conservative investors seeking traditional routes and those aiming for higher-risk, higher-return investments.

The essence of Indemo’s platform lies not just in the diversity of its investment products but also in its approach to making these products accessible and manageable for a broad spectrum of investors. This accessibility is underpinned by a user-friendly interface and a minimum investment threshold that encourages inclusivity. As Indemo continues to evolve, it promises to be a significant player in the European P2P market, setting new benchmarks for real estate investing.

Let’s go ahead and take a closer look at the two investment options.

Discounted Debts

Discounted debt investments involve purchasing debts secured by real estate where borrowers have defaulted, enabling investors to acquire these at a reduced price, thus offering a higher potential return.

Traditional banks often find themselves with non-performing loans, where borrowers fail to meet their repayment obligations. These loans, secured by real estate assets, are sold in the market at significantly reduced prices. Indemo cooperation partners – professional debts’ market participants capitalizes on this opportunity by purchasing these loans and offering them to investors through the Indemo platform.

The attraction of discounted debts lies in the considerable markdown from the real estate’s market value, which is often around 40-50%. This discount provides a substantial buffer for investors, mitigating risks while amplifying potential returns. When the property linked to the debt is eventually sold at market value, investors stand to gain a notable return, typically providing high two-digit returns in 12-18 months.

When you invest on Indemo you invest into the security called Note. There is a defined basket of eight debts tied to each Note. Once each attached property is sold for its market value, the investor receives a 50% profit share from the differential between the discounted price paid for the debt and the proceeds from the sale of the property. Usually, the average discount for objects placed on the Indemo platform is around 40%. The investor gets repayment of part of the investment amount and profit allocation once each and any debt in the basket of eight debts is recovered.

Indemo’s approach to these investments is marked by a rigorous due diligence process. Each real estate asset (all originating from Spain) undergoes a thorough evaluation, ensuring its value is accurately assessed and aligns with current market conditions. This process, often aided by independent appraisers and valuation experts, adds a layer of security to the investment. Initial evaluation and due diligence and subsequent debt servicing and collection is performed by a professional servicing company authorised by the Bank of Spain, with which Indemo cooperates.

Investors on the platform have access to detailed information about each investment, including the location, value, and status of the associated real estate. This transparency is crucial in helping investors make informed decisions and in building trust in Indemo’s investment model.

The discounted debt investment model stands out for its potential for high returns, coupled with a strategic approach to risk management. While it introduces a unique flavor to the P2P lending market, it requires investors to understand its nuances and to align it with their risk tolerance and investment goals. Indemo, through its detailed information and transparent processes, equips investors with the necessary tools to navigate this investment avenue effectively.

It is necessary to note, that the secondary market of debts in Spain is more than 15 years old, well established and operating on commerical customs and rules. All high street banks of Spain sell their portfolios to well known institutional investors, like BlackRock, BlackStone, Cabot, Intrum, etc. Indemo is the first bringing such a purely institutional product to the retail market landscape.

Mortgage Loans Investments

Alongside its innovative discounted debt investments, Indemo in Q1, 2024 plans also to offer traditional loans, primarily in the form of mortgage loans. These conventional investment options play a crucial role in balancing the portfolio of services Indemo provides, appealing to a broader range of investors with varying risk appetites.

Indemo’s traditional loans are characterized by their secured nature, with each loan backed by real estate collateral. Indemo’s traditional loans are characterized by their secured nature, with each loan backed by real estate collateral. All loans are originated according to the compliant policies and services by a professional servicing company authorised by the Bank of Spain according to Law 5/2019, regulating real estate lending entities.

This security is a fundamental aspect that attracts conservative investors, offering a degree of assurance and stability. Mortgage loans, in particular, represent a well-trodden path in real estate investing, where investors fund loans tied to properties, earning interest as borrowers repay the loan.

Also, all mortgaged real estate offered on Indemo are factual operational premises, either apartments or private houses. It is significant, as the construction and development risks are absent there, which we have seen recently on other real estate investing platforms when it was hard to recover invested amounts from the construction sites or not commissioned estates.

The key to these traditional loans is the loan-to-value (LTV) ratio, a critical metric in real estate financing that Indemo closely monitors. The LTV ratio, which compares the loan amount to the value of the property, is kept at conservative levels. This strategy ensures that the loan amount does not exceed a safe percentage of the property’s market value, thereby protecting the investment against market fluctuations and potential declines in property values.

Almost all of the loans are for secondary residences in Spain. This means easier enforcement and precise market valuations conducted by independent appraisers such as Geswalt, Thirsa and Idealista. In contrast with other platforms, Indemo thus eliminates the additional risk of lending money to development projects. All the properties on Indemo are already built and have a stable valuation.

Investors in Indemo’s traditional loans can expect more predictable returns compared to the discounted debt investments. While the potential yields might not be as high as those offered by the latter, the stability and lower risk profile of traditional loans make them an attractive option for those seeking a more secure investment route and having scheduled repayments.

Moreover, Indemo’s traditional loans are structured to provide regular income streams to investors, with interest payments typically made on a monthly basis. This regular cash flow is a significant draw for investors looking for consistent returns and passive income opportunities.

In summary, Indemo’s offering of traditional loans serves as a vital component of its overall investment portfolio. By providing both high-risk, high-return discounted debts and more stable, traditional mortgage loans, Indemo caters to a wide range of investment strategies and preferences. This diversity not only positions Indemo as a versatile platform in the P2P lending space but also allows investors to tailor their portfolios according to their specific financial goals and risk tolerance.

Returns Expected

Indemo’s attraction for investors primarily stems from its diverse and potentially high-yield investment opportunities. As we mentioned earlier, one can opt for mortgage loans aiming to earn around 10%, while on the other hand, there is the option of going for discounted debt investments with a yield closer to 15%. Of course, you have the option to mix and match and thus adjust the risk to your appetite.

Indemo’s approach to investment opportunities demonstrates a keen understanding of the diverse appetites of modern investors. By providing both conservative mortgage loans and more aggressive discounted debt investments, the platform caters to a wide range of investment strategies, from the risk-averse to the risk-tolerant. This dual approach not only offers flexibility but also opens avenues for portfolio diversification, allowing investors to balance their holdings between steady, lower-yield assets and more dynamic, higher-yield opportunities.

As Indemo continues to grow, it’s anticipated that the platform will further refine and expand its investment offerings, potentially introducing more nuanced and varied investment products. This evolution is expected to attract a broader investor base, consolidating Indemo’s position as a versatile and innovative player in the P2P real estate investment market.

Risk Management

Indemo’s commitment to ensuring investor security and risk management is evident in its operational framework. The platform’s primary safeguard is its reliance on secured loans, meaning each investment is backed by tangible real estate assets. This foundational security measure provides a layer of protection against potential losses, reassuring investors of the solidity of their investments.

For mortgage loans, Indemo meticulously assesses the Loan-to-Value (LTV) ratio, ensuring that it remains low. This conservative approach means that the loan amount is always significantly lower than the value of the associated real estate asset. In the event of a borrower default, this strategy ensures that the asset’s sale will cover the loan amount and any related legal costs, thereby safeguarding investor returns.

The platform’s discounted debt investments introduce an additional dimension to risk management. Here, the focus is on the Price-to-Value (PTV) ratio, representing the discount at which the real estate is acquired compared to its market value. Typically, this discount hovers around 50%, creating a substantial buffer that enhances the security of these investments. It ensures that even in fluctuating market conditions, the sale of the property is likely to cover the investment and yield a profit.

Furthermore, Indemo’s regulatory compliance adds another layer of investor protection. Supervised by the Central Bank of Latvia, the platform operates within a strict regulatory framework, ensuring transparency and adherence to financial norms. This supervision is complemented by the EU investor compensation scheme, which protects investments up to 20,000 Euros, offering an additional safety net to investors. Also, Indemo choice to work only with products coming from western EU member states, like Spain, and cooperation only with regulated lending/servicing businesses, adds additional value to the product.

Indemo’s risk management practices reflect a deep understanding of the intricacies of real estate investment and P2P lending. By balancing high-return opportunities with robust security measures, the platform not only attracts a wide range of investors but also maintains a stable and secure investment environment.

Team

The success and reliability of any fintech platform, especially in the P2P lending space, are largely influenced by the expertise and experience of its team. Indemo’s team plays a critical role in instilling investor confidence and driving the platform’s innovative approach. Let’s delve into the profiles of key figures behind Indemo and understand why they merit investor trust.

Sergejs Viskovskis, CEO and Co-Founder: Sergejs stands at the forefront of Indemo, bringing a wealth of experience from the banking sector. His tenure in banking and legal, spanning nearly a decade, is complemented by his stint at Mintos as a Senior Legal Counsel. Sergejs’s extensive experience in finance and legal aspects of P2P lending underpins his capability to lead Indemo with a vision that balances innovation with regulatory compliance and investor security. His active participation in fintech and community events like Finfellas further demonstrates his commitment to the industry. On a personal note, I’ve had the pleasure of chatting with Sergejs and was able to confirm that he is very determined to make Indemo a success.

Aleksandrs Volosin, CFO: Aleksandrs brings to the table nearly 20 years of experience in banking and corporate finance. His deep understanding of financial markets and investment strategies is instrumental in shaping Indemo’s financial policies and investment products. His expertise ensures that Indemo’s financial operations are robust and aligned with market dynamics.

Daniels Zirjakovs, CTO: Daniels’ role is crucial in driving the technological innovation that Indemo prides itself on. His background in technology and software development is vital for maintaining a seamless, secure, and user-friendly online platform, a cornerstone of Indemo’s appeal to modern investors.

Pavels Pochtarenko, CRO: Pavels oversees risk management at Indemo, a role that is central to the platform’s integrity and investor trust. His experience in risk analysis and management ensures that investments on Indemo are thoroughly vetted and backed by solid due diligence.

According to Indemo, the team behind is 20 people large, with new hires planned for 2024.

The collective experience of Indemo’s leadership team in banking, finance, technology, and legal compliance forms a strong foundation for the platform. Their varied expertise not only drives Indemo’s strategic direction but also instills a sense of trust and reliability among investors. This is crucial in a market where investor confidence is paramount. The team’s diverse skill set, combined with their proven track record, positions Indemo as a trustworthy and forward-thinking player in the P2P lending space.

User Experience

Indemo’s platform is designed with a keen focus on user experience and accessibility, ensuring that investors, regardless of their expertise level, can navigate and utilize the platform with ease.

I must say that this is one of the most modern and user-friendly and well-designed P2P lending platforms I’ve used. To me, this signals that not only does the team have experience in the financial sector, but that they’re also A players in the digital arena, which is after all essential as it is the primary interface between the investor and the financial product.

The user journey begins with a simple and swift onboarding process. Account registration and identity verification by well known and trusted Veriff solution, essential for maintaining the platform’s security and regulatory compliance, are streamlined and efficient, typically completed in just a few minutes.

The heart of Indemo’s user-friendly approach lies in its intuitive interface. The platform features an innovative investment map, allowing investors to visually explore and select real estate projects. This geographic representation of investments not only aids in making informed decisions but also adds an element of engagement and transparency to the investment process.

Indemo’s commitment to user convenience extends to its financial transactions. The platform supports seamless deposit and withdrawal processes, with the introduction of instant SEPA deposits through its banking partner, LHV Bank. This feature ensures that funds are promptly reflected in investor accounts, facilitating timely investments.

Moreover, the auto-invest function is a testament to Indemo’s understanding of investor needs. This feature simplifies the investment process, allowing users to set their preferences and automatically invest in suitable projects. It’s particularly beneficial for those who prefer a hands-off approach or lack the time for active investment management.

In summary, Indemo’s platform excels in delivering a user experience that is both accessible and engaging. Its blend of technological innovation, ease of use, and comprehensive customer support makes it an attractive choice for anyone looking to venture into P2P real estate investing.

Opening an Account with Indemo

Individuals aged 18 or older with EU citizenship or residence permits can register and invest. Businesses can also register, subject to security checks. Bear in mind that you need to have bank/payments account in the EU/EEA institution to make a deposit.

The platform’s low minimum investment threshold is just 10 Euros. This inclusivity allows a broader spectrum of investors to participate in real estate investment, breaking down traditional barriers to entry in this sector. Whether a novice investor with limited capital or an experienced investor seeking to diversify, Indemo caters to all.

Getting started with Indemo is a straightforward and user-friendly process, designed to facilitate easy access to the world of P2P lending.

Here’s a step-by-step guide on how to open an account with Indemo:

Step 1: Registration

The first step is to visit Indemo’s website and initiate the registration process. This involves filling out a basic form with your personal details, such as name, email address, and creating a password. The registration process is designed to be quick and intuitive, ensuring a smooth start for new users.

Step 2: Identity Verification

Following registration, the next step is identity verification. Indemo, adhering to financial regulations, requires users to verify their identity to ensure security and compliance. This process typically involves submitting a government-issued ID and may include additional verification steps, such as a selfie or a video call. Indemo uses advanced security measures (using the Veriff platform) to protect personal information during this process.

Step 3: Depositing Funds Once your account is set up and verified, the next step is to deposit funds. Indemo offers various deposit methods, including bank transfers and possibly other digital payment options. The platform’s integration with instant SEPA deposits ensures that your funds are quickly credited to your account, enabling you to start investing without delay. Indemo uses LHV Bank, a bank that allows instant SEPA deposits, so in most cases deposits happen instantly.

Step 5: Exploring Investment Opportunities

With funds in your account, you can begin exploring Indemo’s investment options. The platform offers a range of investments, including traditional loans and discounted debts. Users can leverage Indemo’s intuitive platform to select investments that align with their strategy and start earning returns.

Opening an account with Indemo is a seamless process, reflecting the platform’s focus on user accessibility and regulatory compliance. With such a simple and straightforward process, you can expect to be up and running in a couple of days max, including depositing of funds which is typically what takes the longest in this process, depending on your bank.

Alternatives to Indemo

Indemo operates in a dynamic and competitive P2P lending environment, with several notable platforms serving as its competitors and alternatives. Understanding these competitors is crucial for investors to appreciate Indemo’s unique value proposition and to make informed decisions.

1. Mintos: Mintos is one of the leading P2P lending platforms in Europe, known for its wide range of loan types and large investor base. It offers an extensive selection of investment opportunities across various countries and loan originators. Mintos’s diverse portfolio and established track record make it a significant competitor in the P2P market. Its approach to risk management and investor protection through buyback guarantees and a diversified investment pool sets a high industry standard that Indemo aspires to match.

2. EstateGuru: Specializing in property-backed loans, EstateGuru is another notable competitor in the real estate P2P lending space. Its focus on secured real estate loans across Europe provides a direct alternative to Indemo’s mortgage loan offerings. EstateGuru’s rigorous due diligence process and transparent investment opportunities make it a strong contender in the market.

3. PeerBerry: As a rapidly growing P2P platform, PeerBerry offers short-term and real estate loans, attracting investors with its user-friendly interface and consistent returns. PeerBerry’s approach to P2P lending emphasizes ease of use and accessibility, similar to Indemo’s user-centric design.

4. Bondora: Bondora stands out for its automated investment tools and a long-standing presence in the P2P market. It offers a variety of loans, including personal and SME loans, and is renowned for its Go & Grow product, which offers a unique approach to P2P investing.

Each of these platforms has its strengths and focus areas, providing a diverse ecosystem for P2P lending. Indemo’s distinct approach, especially with its discounted debt investment model, positions it uniquely in this competitive landscape. While platforms like Mintos and EstateGuru have established themselves as leaders, Indemo’s innovative investment options and focus on real estate-backed loans offer a fresh perspective to investors.

Should You Invest with Indemo?

I think Indemo’s offering makes it a very compelling one for P2P lending investors looking to diversify their portfolio, especially if they are interested in real estate and Spain as a good choice.

Indemo’s unique approach to real estate investing, marked by the dual options of traditional mortgage loans and the pioneering discounted debt investments, positions it as a platform that caters to a wide range of investor preferences and risk appetites. The high potential returns, especially from the discounted debt investments, underscore Indemo’s appeal to investors seeking to maximize their earnings in the real estate sector.

The platform’s emphasis on security and risk management, through secured loans and regulatory compliance, instills confidence in investors. Indemo’s transparent and investor-friendly practices, such as low LTV ratios and the EU investor compensation scheme, further enhance its credibility and reliability in the market.

I’m a fan of Indemo’s user-centric design, as I mentioned earlier. The intuitive interface, low entry barrier for investments, and efficient withdrawal and deposit processes demonstrate the platform’s commitment to providing a seamless and inclusive investment experience. These features make Indemo not only accessible to seasoned investors but also to those new to P2P lending and real estate investment.

As the platform continues to evolve and potentially expand its offerings, it is poised to attract a broader investor base and solidify its position in the market.

Indemo’s journey in the P2P lending space is still in its early stages, but I really like their approach and what they’ve provided us so far. For investors looking to explore new horizons in real estate investment, Indemo presents a fascinating and promising opportunity.

Considering that Indemo is a newcomer to the P2P market, and it is bringing a unique and unseen before product, we have agreed with Sergejs, Indemo CEO, to collect first impressions and feedback from you, and to record a podcast later to answer and address any questions or concerns you might have. So feel free to leave any feedback here below.

Open an InDemo account

Debitum Investments (formerly Debitum Network, rebranded in February 2024) is one of the most established platforms in the Peer-to-Peer (P2P) lending arena, forging a conduit between investors and borrowers to channel capital towards businesses. Since its inception in 2018, operating from the vibrant city of Riga, Latvia, Debitum has made significant strides. The platform has garnered a robust base of over 10,000 registered investors, and its portfolio nearly doubled in 2025, growing from EUR 27.3 million to EUR 53.3 million.

The platform also reached a major milestone in 2025: its first year of profitability. Combined with a 2nd place ranking in community P2P platform rankings, Debitum is clearly on an upward trajectory. The new domain is debitum.investments, reflecting the rebrand.

This comprehensive review aims to unpack the multifaceted aspects of Debitum, analyzing its investment potential, safety measures, and outlining how to start investing through this platform.

Register on Debitum

Expected Returns on Debitum

The appeal of Debitum lies in its promise of substantial returns, underscored by an impressive XIRR (Internal Rate of Return) of 11.44%. A five-year track record of zero defaults highlights the platform’s adept risk management and caliber of loan originators. The experiences of many investors, including my own, reflect yields around 10%, aligning with returns from others in the sector.

Debitum‘s Safety Measures

Navigating the P2P investment world requires thoroughly evaluating platform safety. Debitum meets this need by directing investments solely into business loans, fortified with tangible collateral. This prudent focus on asset-backed lending, although slightly reducing returns, significantly lowers default risks, creating a safe environment. Debitum’s safety architecture includes a robust 90-day buyback guarantee on all loans, plus a 15% penalty on delayed repayments by loan originators. The platform’s strict 4-step due diligence process for loan originators has prevented defaults. Introducing Asset-Backed Securities (ABS) reduces the risk associated with individual loan defaults, strengthening investment security.

Two-factor authentication (2FA) is also available on Debitum, which is another sign that both the financial and technical security of the platform are being taken seriously.

A hallmark of Debitum is its regulatory adherence, epitomized by its distinction as one of only four licensed P2P platforms in Europe, operating under license No. 06.06.08.728/537. This regulatory status not only increases investor fund protection but also sustains appealing returns, instilling reliability among investors.

They dedicate an entire section of their site to explaining very clearly how they protect their investors. They call this framework “Protection Plus”.

Protection Plus: Safeguarding Your Investments on Debitum Network

Protection Plus is the three-tiered security architecture developed by Debitum to ensure the protection of investor funds. Each layer addresses different aspects of investment risk, offering a holistic safety mechanism for individuals and entities looking to invest through the Debitum platform.

1. Platform Level Protection

At the foundational level, Debitum ensures regulatory compliance and financial security. Being a licensed investment brokerage supervised by the Central Bank of Latvia, it adheres to stringent European Union regulations. This compliance instills confidence among investors about the platform’s operational legitimacy.

Additionally, Debitum has an insolvency protection policy. In the rare event of platform insolvency, investors’ funds are shielded up to €20,000 by the Investor compensation scheme authorized by the Republic of Latvia.

The third aspect of platform-level security is the segregation of investor funds. Debitum assures that all invested funds are kept separate from the company’s own financials, ensuring that the investors’ money is not used for any internal business activities or to cover Debitum’s operational costs.

2. Loan Originator Level Safeguards

The second tier addresses the risks associated with loan originators. Debitum requires originators to maintain “skin in the game,” mandating them to hold a portion of the loans on their balance sheet. This ensures they have substantial risk and incentive to oversee the loans effectively.

Moreover, Debitum enforces a rigorous due diligence process on all loan originators, which encompasses business model assessment, financial checks, and ongoing monitoring of performance.

Unique to Debitum’s platform is the “Junior share” concept, which gives loan originators a subordinate position in the cash flow waterfall, prioritizing investor claims in case of defaults or insolvencies.

Furthermore, Debitum uses co-control bank accounts for loans issued by Triple Dragon and Sandbox Funding, maintaining a tight grip on the movement of funds and the quality of the loan portfolios.

3. Underlying Asset Level Assurance

The final layer of Protection Plus is focused on the underlying assets backing the loans. Debitum pledges solid collateral which may include real estate or accrued receivables, adding an extra layer of security.

Debitum has a “Buy Back obligation” policy in place, where if a loan defaults, the loan originator is bound to repurchase the loan, thus safeguarding the investor from a complete loss.

Additionally, Debitum implements late penalty charges for overdue payments, incentivizing timely repayments and adding to the overall security measures.

If default situations escalate, Debitum has partnered with Creditreform, a leading debt collection agency, to manage recoveries efficiently and effectively.

I like how specific and detailed Debitum are with this concept. After all, this is the biggest doubt that investors have before investing in a new platform. Debitum’s Protection Plus stands out as a comprehensive, multi-level investment protection framework designed to minimize risks for investors. By integrating strict regulatory adherence, due diligence, and strong collateral backing, Debitum not only promotes investment security but also demonstrates a deep commitment to its users’ financial well-being. The fact that the platform achieved its first year of profitability in 2025 adds another layer of reassurance — a profitable platform is a sustainable platform. With such measures in place, investors can engage with Debitum’s platform, assured that their investments are shielded through a thoughtful and thorough security apparatus.

Company and Team

At Debitum’s core is a team of seasoned finance industry veterans. The leadership, headed by CEO Henrijs Jansons, adeptly navigates finance, investor/partner relations, and marketing. COO Anatolijs Putņa leads platform development and HR, while CLO Gvido Bajārs oversees legal, regulatory affairs, and risk management, forming a robust operational backbone.

Debitum has gone through several ownership changes in recent years, which is worth understanding:

In 2023, the controlling ownership structure of SIA DN Operator — the legal entity of Debitum — changed. The previous owner, Mārtiņš Liberts, exited the picture entirely. ^[reference]

Most recently, in October 2025, co-owner Eriks Rengitis sold his approximately 33% stake, making Ingus the sole owner of the platform. This consolidation of ownership under a single individual simplifies the governance structure, though it also means the platform’s direction now depends heavily on one person’s vision and commitment.

The platform also completed a significant rebrand in February 2024, changing from “Debitum Network” to “Debitum Investments” and moving to the new domain debitum.investments. As part of the rebrand, the platform fully separated from the DEB token that was associated with the earlier iteration of the business.

Ready to explore the investment opportunities on Debitum? Click here to get started.

Loan Originators

The strength of a P2P lending platform depends significantly on the quality of its loan originators. Debitum has a transparent and meticulous vetting process for evaluating potential loan originators. This process analyzes the financial stability, growth potential, and professional management expertise of each originator.

Some of Debitum’s top originators include Evergreen Capital, Tripe Dragon and Sandbox Funding. They currently have loan originators from Estonia, Latvia, and the UK. These originators have passed Debitum’s stringent 4-step due diligence protocol, which reviews business plans, analyses financial statements, evaluates collateral, and conducts background checks on management. This rigorous, ongoing evaluation ensures continued alignment with Debitum’s high standards.

Each loan originator profiled on Debitum comes with a detailed overview, encompassing their operational history, financial performance, and management team. This level of transparency provides investors with a well-rounded understanding, enabling them to make informed investment decisions.

Debitum is regularly adding new loan originators, so you can expect a solid pipeline of investing opportunities.

Asset-Backed Securities

On Debitum, investors can invest in Asset-Backed Securities (ABS), which pool multiple loans into a single asset, providing an extra layer of diversification and security.

An asset-backed security (ABS) represents a financial instrument that gains its value from a pool of loans. The purpose of creating an ABS is to offer investors a secure and predictable investment option with fixed terms and income. By utilizing a pool of loans as collateral, the ABS ensures stability and repayment by replacing loans that mature or become overdue during their lifespan.

The loans included in this pool share similar characteristics, such as the loan originator and type, which may encompass factoring, trade finance, business loans, agro-loans, and car leasing. Although there may be variations in the loans’ start dates, maturity periods, and nominal values, their collective performance directly impacts the investment.

The success of this investment model relies on the performance of all loans in the pool and the loan originator’s expertise in loan origination. Through careful management of these factors, investors can potentially benefit from a reliable and rewarding investment opportunity in asset-backed loans.

Getting Started on Debitum

Getting started investing on Debitum is straightforward:

1. Create an account and complete identity verification. This is a quick and simple process.
2. Deposit funds via bank transfer. Debitum provides account details to route the deposit quickly.
3. Browse current investment options like business loans or ABS. The platform organizes opportunities clearly.
4. Select investments that match your criteria and allocate funds. The auto-invest feature (to be reactivated soon) will automate this.
5. Manage investments and withdraw profits. The user dashboard provides easy access to monitor performance.

User Interface and Experience

Debitum boasts a user-friendly interface, designed with an intuitive layout to ensure a seamless user experience. The platform provides easy access to vital information, investment options, and account settings, making it easy for both novice and seasoned investors to navigate and manage their investments.

Customer Support

Support is available through the standard phone, email and chat. I typically use chat and email, with a preference for chat when I have a quick and simple question. I’ve had good results whenever I messaged them during European office hours, and outside of those hours an email does the trick, with a reply being received within the next day or two.

Personal Experience and Returns

My investment trajectory on Debitum has been marked by a consistent yield performance, even amidst the economic turbulence induced by the COVID-19 pandemic during 2020 and 2021, where my average annual yields were of around 9%. This narrative underscores the platform’s robustness and its capability to deliver competitive returns, reflecting positively on its long-term viability.

Risks

Debitum is one of the few platforms that clearly spell out the risks to investing in P2P lending. I’ll try to put it simply here by using analogies.

Investing on Debitum is a bit like embarking on a treasure hunt where the map is well-detailed but the terrain is unpredictable. Just like any treasure hunt, there’s a chance you won’t find what you’re looking for. Here, the treasure is your potential earnings, and despite having a good map in the form of Debitum’s protective measures, there’s still the chance of running into unexpected trouble. You can check out the risks on this page on their site.

Think of Debitum’s investments like planting a garden. You’ve got good tools and quality seeds (the protective layers and due diligence), but sometimes nature has other plans. A sudden storm (a loan default) or pests (market volatility) can harm your budding plants (your investments). And if the biggest plant (a loan originator) gets sick and can’t be saved by the garden’s first aid kit (the buyback obligation), it might affect the whole garden’s health.

In short, Debitum sets you up with a safety kit for your investment journey, but it can’t control the weather or the wildlife. You’re more protected than going it alone, but you should only pack into your investment basket what you can afford to adventure with.

External Reviews

Most reviews, especially since the change in ownership, are positive. Many investors like to use Trustpilot as a source of independent reviews. Although I don’t personally put too much weight on Trustpilot reviews, in this case, we can definitely say that the sentiment on Trustpilot about Debitum is a positive one.

Since the platform’s rebrand and ownership changes, I’ve seen a steady increase in positive investor reviews. The 2nd place ranking in community P2P platform rankings for 2025 is further evidence of growing investor confidence.

This is also one of the reasons (I suspect) why Debitum makes a special effort to really describe its offering in the best way possible, also outlining possible risks. This is good for the investor, as investor discontent almost always is the result of either investing in something they didn’t properly understand (and having a negative outcome) or malpractice from the platform’s side, which thankfully has become uncommon in the last couple of years, compared to the wild west early years of P2P lending.

What Sets Debitum Apart

Several key factors differentiate Debitum from other P2P lending platforms:

• Strict focus on asset-backed business loans, enhancing security
• Robust 90-day buyback guarantee and late repayment penalties
• One of only four licensed platforms in Europe currently
• Strong track record of zero defaults over 6+ years
• High XIRR of 11.44% reflecting profitability of its loan portfolio
• First year of platform profitability achieved in 2025
• Portfolio nearly doubled in 2025 (EUR 27.3M to EUR 53.3M)
• Transparent and meticulous vetting of loan originators

The combination of prudent risk management, regulatory compliance, and consistent returns makes Debitum stand out.

Alternatives to Debitum

While Debitum offers a robust and secure platform for P2P lending, investors might also consider exploring other platforms to diversify their investment portfolio. Some notable alternatives include:

1. Mintos: A well-established P2P platform known for its wide range of loan originators and investment opportunities.
2. PeerBerry: Known for its user-friendly interface and a good variety of short-term loan opportunities.
3. Bondora: Offers a range of investment products and has a long-standing history in the P2P lending space.
4. EstateGuru: Specializes in real estate-backed loans, providing a different asset class for diversification.

Conclusion

Debitum has all the signs of a reputable P2P lending platform, offering a conducive ecosystem for investors to channel funds into sustainable business loans. The platform’s stringent safety measures, transparent loan originator selection, and dedicated team are its hallmarks, instilling confidence in the investment community.

The yield on Debitum, although slightly trailing some counterparts, is offset by the emphasis on asset-backed lending and robust safety mechanisms, significantly enhancing the security quotient of investors’ funds.

With a simplified onboarding process, a diversified range of investment options, and the momentum of a nearly doubled portfolio and first year of profitability in 2025, Debitum is currently looking like one of the most user-friendly and secure investment platforms in Europe. If you’re looking for passive income through higher-risk investments, you should definitely take a look at this platform.

Register on Debitum

Invest with Lonvest

When investing in European P2P lending platforms, it’s important to maintain a healthy level of diversification across said platforms, but also to always be on the lookout for new (and perhaps better) platforms to allocate to. Lonvest is one platform that fits the bill, having launched in 2023 in Croatia.

The platform has already issued 280K worth of loans with an average rate of 13% and it’s growing quite fast.

Let’s dive into the nuances, strengths, weaknesses, and unique features of this platform.

Introducing Lonvest

Like its counterparts in the Peer-to-Peer lending sector, Lonvest offers a platform where investors have the opportunity to funnel their funds into loans, collaborating with other investors, and aiming for periodic interest. As mentioned, the platform was launched in 2023 and it’s registered in Croatia.

The main components of the team, on the other hand, are Ukrainian, and they are by no means newcomers to the P2P lending scene. The team has run lending platforms successfully in multiple countries for around 10 years, and this is simply a new twist or addon to a model that they have perfected over the years.

Loan Originators

I mentioned that Lonvest is the latest innovation from a team that has been in this business for many years, and that is why this platform is not an aggregator of loan originators, but rather a way of accessing the loan originators of the parent group – Space Crew Finance group. The group runs loan originators in Sri Lanka, Poland, Philippines and Vietnam.

While this may limit the amount of loans on offer on the platform, as an investor I know that there is direct responsibility of the quality of the loans, and Lonvest is not simply relying on 3rd party loan originators, all with their own systems, due diligence and market risks.

Loan origination fees typically range from 0.5% to 1% of the loan amount. These costs won’t be a surprise at the end of the term because they are typically determined before the loan payment is approved.

Expected Returns on Lonvest

Your earnings on Lonvest are contingent on your chosen investments. Based on the data from their in-house loan originators, the platform boasts potential annual returns of up to 13%, and they project an average annual yield of 12% for their investors.

This aligns with averages across several of its peers, and it’s something I’m keen on exploring further.

How to Invest with Lonvest

Setting up an account and making your first investment on Lonvest is remarkably straightforward, making it one of the most user-friendly platforms currently available. Here are the steps to get started:

1. Fill out the short initial registration form.
2. Complete the easy KYC process with Veriff – you just need an ID and to take a selfie.
3. Add funds to your account via bank transfer, reflected in your account within 2 days.
4. Choose one of the automated investment strategies (options starting from just 30 days).

You can make a minimum investment of €10, which in reality is only practical for testing out the platform. Most investors will deposit a few hundred/thousand euros to diversify suitably across the loans and geographies available.

Usability of the Platform

The team’s experience in the tech sector instantly showed when I started using the Lonvest platform. Everything works flawlessly, and it’s an easy process to register and get everything in order and ready to invest.

Moreover, the site is available in 3 languages: English, Spanish and German. I was able to verify the content in English and Spanish and found it to be easily understandable with no major issues. The blog is currently only available in English, but translations are on the way.

Safety Features of Lonvest

All loans on Lonvest come with both a buyback guarantee and a group guarantee. This ensures that if a borrower defaults, the loan originator will intervene, purchasing the loan and ensuring investors are reimbursed. This safety net is a staple among many platforms and is pivotal for securing your investments.

Given Lonvest’s oversight of its loan originators, investors can gain additional assurance. Their commitment to security is also evident in their embrace of AI-driven identity verification and adherence to GDPR protocols.

As mentioned, while not a security feature, the loan originators (part of the SpaceCrew Finance group) on this platform have a long positive track record.

Since Lonvest is based in Croatia, where there is no regulatory compliance need, this is not something that we can rely on for Lonvest. However, the reason why they chose this route is to launch rapidly, and they are in the process of also obtaining a European license as a financial platform.

The Team

In my experience, the biggest risk factor in this game is having an inexperienced team that doesn’t really has a good playbook, or is either too focused on the financial side, or on the tech side.

The founder of Lonvest, Roman Katerynchyk, started off his career by launching a tech outsourcing company that still exists, and he organically became familiar with the financial side of things by providing services and helping manage existing finance platforms in Ukraine. This gives him a rare mix of competencies in both the financial and tech sectors. At the end of the day, P2P lending platforms need a sound financial system behind them, and rely on the tech side to keep ahead of other players, including banks, and fulfill an uncovered need for investors and borrowers.

All other members of the team have their own years of experience, and Lonvest clearly displays the main figures behind the platform, with links to their Linkedin profiles where you can check out their experience and judge for yourself.

In addition, I can also share that I’ve met the founder Roman, and he has left a very good impression on me. He is a responsible person with lots of passion for this industry, and indeed is very knowledgeable both on the tech and finance side. Since these two sectors have always interested me and I also have years of experience in them, we had a very good conversation. In particular, I enjoyed learning about the way that he orchestrates Lonvest’s entrance in new markets, which is pretty impressive and requires a lot of moving parts that act in concert to make sure that money is made on the loans, while at the same time respecting the borrowers and their financial situations. This shows me that the team at Lonvest is not only good at generating returns but also has a very high ethical standard.

Liquidity

You can invest in short-term loans of 30 days, and Lonvest employs a buyback guarantee which means that you can sell back the loans within the 30-day period without incurring any penalties. This is a really positive point about this platform.

Support

I’ve interacted with support in English and got my questions answered cordially and professionally with no problems of any sort. Lonvest has a bot that can help you find answers to your questions easily, and if that is not enough, you can speak to an agent via live chat or get a reply over email.

Unique Points

One of the ways that Lonvest intends to differentiate itself from the rest of P2P platforms is by being very transparent about its operations. They plan to be very communicative with their investors and help educate them if they are newbies to this space. The Lonvest blog, or “Lending Insights”, proves to be a highly interesting read, and so far they are keeping to their promise by publishing regular and very interesting content, including interviews, news about the P2P lending space, and educational articles.

Things to Improve

There are several obvious things that should be improved, like for example the introduction of a secondary market and more languages on the site. However, given that this is a new platform it’s completely normal that those things are still being built out.

It would also be ideal to have a wider range of loans in terms of geography and loan originators. This is a double-edged sword though. If you only include your own loan originators in the platform, you can control things better and the lenders can trust your track record. This is currently the case with Lonvest. On the other hand, you can open the platform up to other loan originators, which brings more options to borrowers, but less control over loan quality and dependence on the performance of third parties.

Therefore I think that as long as Lonvest can keep the loan pipeline flowing, it’s perfectly acceptable to only offer loans from the loan originators within the same group.

Alternatives to Lonvest

There are many players in the space, but here are a few good alternatives if you’re trying to diversify across multiple P2P platforms

• Peerberry – One of the biggest P2P lending platforms that has been around for a number of years already.
• EstateGuru – A top choice if you want to diversify your lending portfolio into real estate loans in addition to consumer loans.
• Mintos – Probably the most well-known and trusted European P2P lending platform.

Conclusion

While Lonvest is technically a new P2P lending platform, the company and team behind it are anything but new to the lending space. They have had a ton of success for over 10 years, and I have full confidence that this will be a good platform to allocate going forward.

Lonvest offers good returns while treating borrowers fairly and offering a really nice interface for investors. I also look forward to seeing the educational material that Lonvest have promised to release in the coming months, as this would make it one of the best platforms for investors new to P2P lending.

Invest with Lonvest

In this article, I’m taking a look at Monefit, a consumer loan platform designed to provide quick and convenient personal loans to customers in need of financial assistance.

Monefit was launched by Creditstar Group, an established financial services provider with over a decade of experience in the market. Operating across several European countries, Creditstar has built a solid reputation for offering short-term and installment loans to customers .

Registration and Account Setup

Getting started with Monefit is a straightforward process. The registration and account setup are user-friendly, and once registered you can either deposit money and start investing (SmartSaver) or apply for a credit line (CreditLine).

Auto-Invest Feature

Monefit is a black-box platform. This means that you do not have visibility into the loans that you’re investing in, but are trusting the platform to make the best use of your money and allocate it in a responsible way. This is similar to how Bondora’s Go and Grow Unlimited system works. So to invest, you will need to use Monefit’s auto-invest tool called SmartSaver.

Monefit gives you a return of 7% per year, and boasts more than €850m invested and €83m in interest earned by investors on the platform.

Your SmartSaver account has no fees of any kind and no hidden cost, so you know exactly how much you will receive when you decide to withdraw your funds.

However, it is worth mentioning that there is a €50 minimum withdrawal limit in place. Moreover, withdrawals are not instant, however the platform promises to process them within 10 days.

Deposits and withdrawals can only be made in Euros.

One thing to mention is that while the interest is advertised at 7%, possibly hinting that it’s a fixed return, it can actually fluctuate at the platform’s will, as detailed in the terms and conditions. So take that with a pinch of salt.

Monefit and Creditstar

As I mentioned, there are very close ties between Monefit and Creditstar, so it’s worth spending some time on investigating Creditstar itself.

The Credistar Group is a prominent and audited European lending group that offers loans to borrowers across Europe, operating in countries such as Spain, the UK, Sweden, Denmark, Poland, the Czech Republic, Estonia, and Finland.

Although Credistar recorded a profit in its audited financial statement for 2021, the company’s commitment to meeting investor obligations has been somewhat inconsistent.

Credistar also sources funds for its loans through platforms like Mintos and Lendermarket. However, investors using these platforms have encountered considerable delays in payments, as Credistar was unable to repay investors due to insufficient liquidity to finance its loans.

Investments that had reached maturity on Mintos were shifted to “pending payments,” while those on Lendermarket saw their terms extended.

These circumstances heightened investor risk and significantly affected their liquidity.

Despite both P2P lending marketplaces advertising Credistar’s loans with the highest returns, investors have expressed dissatisfaction with the company’s methods and its failure to honor the buyback guarantee it had pledged on both Mintos and Lendermarket.

The underlying cause of Creditstar’s “liquidity challenges” could be attributed to the lender’s assertive lending approach and unforeseen fluctuations in financing.

To maximize profits, the lender must issue a greater number of loans and secure more funding. This rationale could explain why the financial group opted to introduce an additional “financing source” – Monefit SmartSaver.

Alternative Platforms

As an investor, it’s crucial to explore and compare different investment platforms to find the one that best suits your needs and preferences. Here are some alternative platforms I’ve considered or invested in:

1. Mintos: Mintos is a popular peer-to-peer lending platform that offers a wide range of loan types from various loan originators across the globe. The platform provides a comprehensive auto-invest feature and a secondary market, making it a strong competitor to Monefit. However, Mintos’ extensive range of loan originators and countries may require more due diligence and research from investors.
2. PeerBerry: PeerBerry is another well-regarded European P2P lending platform that focuses on consumer loans, similar to Monefit. The platform is known for its user-friendly interface, auto-invest feature, and competitive interest rates. However, PeerBerry’s loans also have a geographic concentration in Europe, posing similar risks to Monefit.
3. Bondora: Bondora is a long-standing P2P lending platform that offers consumer loans in Estonia, Finland, and Spain. The platform is known for its simplicity and ease of use, with an auto-invest feature called “Go & Grow Unlimited” that targets a fixed return rate. Bondora’s main drawback is its limited geographic exposure, which may not suit investors seeking greater diversification.

Conclusion

This platform leaves me with mixed feelings. On the one hand, it’s not a platform that has to start from scratch, given that it’s backed by Creditstar, and the latter company has plenty of experience in the space. However, Creditstar itself does not have a stellar track record in its behavior towards investors.

Therefore, I would say that Monefit could be a good platform for you if you want absolute ease-of-use and high liquidity and you’re a fan of other similar products in the market such as Bondora’s Go & Grow. Monefit does in fact currently offer better returns than Bondora, but I would classify it as being riskier.

It’s always a good idea to explore and compare alternative platforms to find the one that best aligns with your investment goals and risk appetite.

Register at Monefit – 2% Cashback

Viainvest is a European P2P lending platform that connects investors with borrowers seeking short-term consumer loans. The platform aims to provide investors with an easy and secure way to invest in consumer loans, offering attractive returns and a simple, user-friendly experience.

Launched in 2016 and based in Latvia, Viainvest is part of the VIA SMS Group, which operates in several European countries, including Sweden, Poland, and the Czech Republic. The group has been operating successfully since 2009, and this undoubtedly contributes to Viainvest’s trustworthiness.

Since September 2021, Viainvest has been regulated by the Latvian central bank (FKTK) under MiFID II as an investment brokerage firm. This makes it one of the few P2P-style platforms with full regulatory oversight, and investors benefit from EUR 20,000 protection through the investor compensation scheme. In 2025, Viainvest was voted the most popular P2P platform in the community, with over 35,000 registered investors.

Open a Viainvest account

ViaInvest at a Glance

Founded	2016
Country	Latvia
Regulation	MiFID II regulated (Latvian FKTK), EUR 20,000 investor protection
Average Returns	~13% annually
Buyback Guarantee	Yes (30 days)
Secondary Market	Yes
Auto-Invest	Yes
Min. Investment	EUR 10
Loan Types	Short-term consumer loans
Parent Company	VIA SMS Group (operating since 2009)
Registered Investors	35,000+

Account Opening and Verification

One aspect of Viainvest that I found appealing was the ease of opening an account. The registration process is straightforward and can be completed within a few minutes. You simply need to provide some personal information, verify your identity, and link a bank account to start investing. This hassle-free process makes it convenient for new investors to join the platform and begin exploring the investment opportunities available.

User Interface and Experience

After my account was verified, I gained access to Viainvest’s platform dashboard. I found the user interface to be clean and easy to navigate, making it simple to manage my investments. The platform offers a seamless user experience, with clear navigation menus and quick access to essential features, such as the loan listings, portfolio overview, and transaction history.

Investment Options

Viainvest focuses on short-term consumer loans, which typically have a duration of 30 days or less. The loans are issued by VIA SMS Group’s lending subsidiaries, ensuring a transparent and easy-to-understand investment process. Most of the loans on Viainvest come with a buyback guarantee, which means that if a loan becomes more than 30 days overdue, the loan originator repurchases the loan from the investor, providing an additional layer of security.

Auto Invest Feature

To simplify the investment process, Viainvest offers an Auto Invest feature that automatically invests available funds according to my chosen criteria, such as loan duration, interest rate, and maximum investment per loan. This feature allowed me to save time and ensure that my funds were consistently invested without the need for manual intervention. Additionally, I could easily adjust my Auto Invest settings whenever I wanted to modify my investment strategy.

Returns and Risks

Viainvest advertises average annual returns of around 12%, which I found to be competitive within the P2P lending market. However, as with any investment, there are inherent risks involved. In the case of P2P lending, the primary risk is borrower default. Viainvest mitigates this risk through its buyback guarantee, which, as mentioned earlier, provides an additional layer of security for investors. It’s essential to keep in mind that the buyback guarantee is dependent on the financial stability of the loan originator, so it’s crucial to assess the overall creditworthiness of the platform and its affiliated lending companies.

Secondary Market and Liquidity

One aspect of Viainvest that I appreciated was the presence of a secondary market, allowing investors to buy and sell their loan investments before the loans reach maturity. This feature can be particularly helpful for those looking for increased liquidity or wanting to adjust their portfolio quickly. However, it’s essential to note that the secondary market’s liquidity depends on the demand from other investors, and there’s no guarantee that you’ll be able to sell your loans immediately or at the desired price.

Transparency

One aspect of Viainvest that I appreciated is the platform’s transparency. Viainvest provides detailed information about each loan, including the loan originator, borrower’s credit score, and loan purpose. This level of detail enables investors to make informed decisions about their investments and helps build trust in the platform.

Moreover, Viainvest is transparent about its fees, which are relatively low compared to other P2P lending platforms. The platform does not charge investors any fees for using its services, which means that you can keep more of your earnings.

Loan Diversification

Although Viainvest primarily focuses on short-term consumer loans, I found that there’s still some room for diversification within the platform. Viainvest offers loans from different countries, such as Latvia, Poland, and Spain. By investing in loans from various countries, I was able to spread my risk geographically and reduce the potential impact of local economic fluctuations.

On the other hand, it’s worth noting that the platform’s focus on short-term consumer loans may limit the extent of diversification across different loan types and industries. If you’re looking for a broader range of investment options, you may want to consider alternative platforms that offer loans across various sectors.

Customer Support

Throughout my experience with Viainvest, I found their customer support to be responsive and helpful. Whenever I had a question or needed assistance, I could reach out to their support team via email or live chat. They were quick to respond and provided clear, concise answers to my queries.

Financial Performance and Growth

An important aspect to consider when evaluating an investment platform is its financial performance and growth. In the case of Viainvest, the platform has demonstrated consistent growth in both the number of investors and the volume of loans funded. This indicates a growing interest in the platform and a strong performance in the P2P lending market.

Furthermore, Viainvest is part of a profitable group, the VIA SMS Group, which has been financially stable since its inception. This stability further reinforces the platform’s reliability and attractiveness for investors seeking a secure investment environment.

Tax Reporting

Viainvest also simplifies the tax reporting process for its investors by providing an annual tax report. This report includes all the necessary information for investors to report their earnings to their respective tax authorities, making tax filing a less daunting task. The convenience of having this information readily available is a valuable benefit for many investors.

What I Like About Viainvest

1. User-friendly interface: Viainvest’s platform is easy to navigate and manage, making the investment process smooth and efficient.
2. Attractive returns: With average annual returns of around 12%, Viainvest offers competitive returns within the P2P lending market.
3. Buyback guarantee: Most loans on Viainvest come with a buyback guarantee, providing an additional layer of security for investors.
4. Auto Invest feature: The platform’s Auto Invest feature simplifies the investment process and allows for easy portfolio management.
5. Secondary market: The presence of a secondary market provides investors with increased liquidity and flexibility.

What Could be Improved at Viainvest

1. Limited diversification: Viainvest primarily focuses on short-term consumer loans, which may limit opportunities for diversification across different loan types and industries.
2. Dependency on loan originators: The buyback guarantee is dependent on the financial stability of the loan originators, which may pose a risk if the originator faces financial difficulties.
3. Currency risk: As Viainvest operates in multiple European countries, investors may be exposed to currency risk when investing in loans denominated in different currencies.

Alternative Platforms

For investors interested in comparing Viainvest with other P2P lending platforms, here are a few alternatives to consider:

1. Mintos: Mintos is a leading European P2P lending platform that offers a wide range of investment opportunities, including consumer, business, and real estate loans. With a large number of loan originators and a secondary market, Mintos provides an opportunity for increased diversification and liquidity.
2. PeerBerry: PeerBerry is another popular P2P lending platform in Europe that focuses on short-term consumer loans. The platform offers competitive returns, a buyback guarantee, and an Auto Invest feature.
3. Bondora: Bondora is an established P2P lending platform that provides investors with various investment options, including consumer loans and a unique “Go & Grow” feature that allows for simple, low-risk investing with instant liquidity.
4. Estateguru: Once a popular option for real estate-backed loans, EstateGuru has experienced significant problems since 2024, with over 62% of its portfolio in recovery and a negative annual return in 2025. Exercise caution.

Frequently Asked Questions

Is ViaInvest safe?

ViaInvest is one of the most heavily regulated P2P platforms in Europe, operating under MiFID II regulation by the Latvian central bank (FKTK). Investors benefit from EUR 20,000 protection through the investor compensation scheme. The platform is backed by the profitable VIA SMS Group, which has been operating since 2009.

What returns does ViaInvest offer?

ViaInvest offers average annual returns of approximately 13%, which is competitive within the European P2P lending market. In 2025, it was voted the most popular P2P platform by the re:think P2P community.

Does ViaInvest have a buyback guarantee?

Yes. Most loans on ViaInvest come with a buyback guarantee. If a loan becomes more than 30 days overdue, the loan originator repurchases it from the investor, covering both principal and interest.

How is ViaInvest regulated?

ViaInvest is regulated by the Financial and Capital Market Commission (FKTK) of Latvia under the MiFID II framework as an investment brokerage firm. This is a higher level of regulation than what most P2P platforms have, and it includes EUR 20,000 investor compensation scheme protection.

How does ViaInvest compare to Mintos?

Both platforms are Latvia-based and regulated. ViaInvest offers slightly higher average returns (~13% vs ~11%) and focuses on short-term consumer loans from its own group. Mintos offers more diversification across multiple loan originators and loan types. ViaInvest is simpler; Mintos offers more choices.

What taxes apply to ViaInvest earnings?

Latvia applies a 5% withholding tax on interest income for non-resident investors (which can often be credited against your domestic tax liability). This is one of the lowest withholding tax rates in Europe for P2P lending. See the P2P tax guide for more details.

Conclusion

Taking into account the stability and longevity of Viainvest as part of the VIA SMS Group, the platform’s transparency, and the opportunity for some level of diversification, my experience with Viainvest has been overall positive. While there are some limitations in terms of diversification and dependency on loan originators, Viainvest remains an attractive option for investors looking to explore P2P lending. If you’re considering investing in P2P lending platforms, Viainvest is a solid choice with competitive returns and an easy-to-use interface.

Open a Viainvest account