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.
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There is a telegram channel where people post when loan appears on the market. It reminds me rat race when everyone wants to invest int demanded loans.
To get access to the relevant data, Viainvest offers to download tax reports and income statements from 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.
Based on my Viainvest experiences as an active investor, I can confirm the reliable return expectation in the double-digit percentage range.
PeerBerry mainly works with a partner called the Aventus Group for its loan originators, which provides loans from Poland & Ukraine on the platform. They also works with several other loan originators, providing loans in countries like the Czech Republic and Lithuania.
You can check out the lender overview and comparison page to learn more about the applied KPIs and their interpretation.
I also always do a close examination of the loan originators a platform uses, as this is usually where a platform will encounter problems if anything bad happens like a financial crisis.
How does Viainvest earn money? Since the VIA SMS Group has a broad portfolio of products and services, the company generates income through multiple revenue sources. However, there are a two dominant revenue sources viainvest that can be found when reviewing the latest financial report.
These are initiated and managed by the ViaSMS Group. There are no other providers on Viainvest, as it is not a marketplace like its competitor Mintos, for example.
The P2P platform’s main source of revenue comes from the lending activities of its parent company, Via SMS Group. More precisely, they earn money through referral fees for each issued loan.
Investors who participate in P2P lending here generate their returns primarily through loans in the consumer sector. Borrowers directly take out loans from Via SMS Group, which are listed on the platform and in which we, as investors, can invest our money.
I invested a larger sum of money on PeerBerry shortly before the war in Ukraine started. Needless to say, a large portion of my investments was delayed afterwards. But despite all of this, almost all of my investments were gradually payed back during the last two years, with only a few Euros waiting for repayment today.