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.
After setting up an account with your email and a chosen password, you must provide your name, date of birth, address, and phone number. You are then prompted to activate two-factor authentication via an app on your phone, though this can be skipped during registration.
Some investors note delayed loan repayments not always reflected promptly in dashboard balances or reported returns.
’ button even caused some investors to question the company’s policy: had they simply removed the important security function without the consent of investors? Although everything turned out fine in the end, the problems at this stage were very unpleasant.
The combination of all those factors makes it really safe to invest on PeerBerry compared to other Peer-to-Peer lending platforms.
Secondly, both are P2P platforms based and regulated in Latvia, with a similar focus on unsecured consumer loans, although Twino has recently focused much more on property investments. Additional information can be found in my Twino review.
You have been able to invest in personal loans since 2016. My experience as an investor on this platform goes back several years. Several personal interviews have also confirmed the professional impression of the company for me. The parent company ViaSMS Group manages a loan portfolio of 25.9 million euros and has more than 260 employees worldwide. The company’s successes are particularly noteworthy, as in this form of investment our capital and returns are dependent on the condition of the platform and the loan originator.
You can check out the lender overview and comparison page to learn more about the applied KPIs and viainvest 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.
Viainvest has held an investment brokerage firm licence since 2022. This step has changed a number of things in the structure of the company and the granting of loans.
Simple configuration with few parameters - select countries, interest rates, and loan terms to match your criteria
With a potential return of up to 10 percent, supported by solid credit management, PeerBerry’s p2p loans are a compelling choice compared to other investments. The Auto Invest feature allows you to automatically spread your investments across many loans.
All P2P loans come with a basic risk. Although defaults on individual loans are protected by the buyback guarantee, if the ViaSMS Group were to become insolvent, our capital would be jeopardised. However, all signs currently point against this scenario.
Yes, the P2P platform offers a buyback guarantee. If the borrower is 60 days overdue with their payment, the loans, along with the accrued interest up to that point, will be repaid.