Debitum Investments (formerly Debitum Network) is a P2P marketplace based in Latvia and regulated by the local financial supervisory authority. What makes Debitum special is its unique positioning in the P2P lending environment, as it is regulated, follows a marketplace model and offers buyback-secured business loans.
As a passive investor, I would prefer the automatic options here for the sake of time. Additionally, the loans on the platform can sometimes get filled so quickly that it’s challenging for individual investors to generate returns if you want to invest manually.
For investors who want to invest on regulated P2P platforms, while having the prospect of achieving competitive double-digit returns, Viainvest is a strong and stable alternative worth considering for your P2P portfolio.
PeerBerry offers a powerful auto-invest feature that completely automates your investments across the platform.
If a loan by the lender defaults, the buy-back guarantee is then triggered. In this case, the outstanding receivables are reimbursed by the lender, including accrued interest. If the lender has difficulties servicing those receivables, the VIA SMS parent company steps in.
Peerberry used to be good and they made a name as reliable after recovering most (all?) money from Russian and Ukrainian companies after the Russia invasion, but that's it, they stopped there.
Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Viainvest? Where are the underlying risks and how can they be assessed?
According to my Viainvest review, the Latvian P2P platform is one of the most stable in the market. I’ve been invested here since 2017, and there have been some turbulent times since then, but they were managed successfully.
Hi there! I’m Lars Wrobbel, and I’ve been writing on this blog about my experiences with investing in P2P loans since 2015. I also co-authored the German standard work on this topic with Kolja Barghoorn, which became a bestseller on multiple platforms and is regularly updated.
Most investors use automated investing, which means that new loans are often funded quickly. If you choose to invest manually, you can typically only select from remaining loans, often with lower interest rates.
Investor Confidence: The platform’s handling of this major test case has significantly strengthened our confidence in their risk management approach
At first glance, the war in Ukraine has not had a direct impact on Viainvest, as the platform’s lending markets are located only in Europe. The decision not to be active in the CIS markets was made on purpose debitum in order to avoid geopolitical risks or strong currency fluctuations.
Viainvest is working with several loan originators, most of them being in the same group as Viainvest itself, which is a model that other Peer-to-Peer lending platforms are using. This ensure they have a much better control over their loan originators as they are part of the same entity.
The biggest income stream is generated by the commission fee (58%) which derives from the lending operations.