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investors
VIAINVEST is a Latvian investment platform running since 2016. It belongs to VIA SMS group, a Latvian consumer-lending group, and every loan on it comes from that group's own lending companies in Latvia, Sweden, the Czech Republic and Romania. There are no outside lenders. The platform shows €750 million invested since it started and €23 million of interest paid to investors (read October 2026; the page carries no date).
You do not lend to borrowers directly. You buy notes issued by VIAINVEST Assets, a company in the same group, which passes the money to the group's lenders. Behind the notes are unsecured consumer loans: short loans of 7 to 30 days, instalment loans of 3 to 12 months, credit lines and some business loans. You choose by lender, country, rate and term, by hand or with auto-invest. The minimum is €50 and everything is in euros. In September 2026 investors put €18.4 million into new notes.
The only return figure the platform publishes is a maximum: up to 13.3% a year (monthly report for September 2026; the home page rounds it to 13%). This is the top rate on offer, not what investors actually earned: no average or realised return is published. Interest is paid before Latvian tax, which is withheld at 5% for private investors living in the EU or EEA. Independent tracking of investor portfolios points to about 12% a year (August 2026).
The platform says no investor has lost money, because the group's lenders buy back any loan more than 60 days late. That is the buyback working, not a sign that borrowers always pay. The group's own quarterly report shows the loans underneath are getting worse: at 30 September 2026, €5.77 million of loans were more than 90 days late against €72.2 million of loans outstanding at the four lenders, about 8.0%, up from 5.7% three months earlier (calculated from the platform's own figures).
The picture differs sharply by country. Latvia, the largest lender at €49.6 million, has almost no loans 90 days late (0.16%). Sweden has 14.2% (the amount doubled in the quarter, which the group puts down to a reclassification; most is to be sold to a debt buyer in late 2026). The Czech lender has 39.4%, and in Romania the loans 90 days late (€1.23 million) are three times larger than the lender's whole remaining book (€0.41 million). At the end of 2025, €14.0 million of the €84.4 million the group had lent was more than 90 days late, according to its May 2026 prospectuses.
Nothing secures the loans: they are unsecured consumer loans and credit lines. What protects you is a promise inside the group. The lender must buy a loan back at principal plus interest once it is 60 days late, and the group parent, AS VIA SMS group, stands behind its lenders. So the credit you really take is that of VIA SMS group and its four lending companies, not the borrowers'. The parent's share capital is €813,000, and the last full accounts anyone can obtain are for 2022 (equity €6.7 million); no current audited group accounts are published. No recovery figures from failed loans are published. In plain words: you have been paid so far because the group kept buying back late loans, and if the group ran short of cash there is no other security behind the notes.
SIA Viainvest is an investment firm licensed by Latvia's central bank, Latvijas Banka (licence 27-55/2023/2, valid since 28 September 2021), and may offer its services in ten other EEA countries. The notes are issued by SIA VIAINVEST Assets under prospectuses approved by Latvijas Banka. The platform, the note issuer and every lender belong to the same group, and the chairman of VIAINVEST also sits on the group's board. On 11 October 2022 Latvijas Banka issued a warning and a €21,277.58 fine to VIAINVEST for failures in its anti-money-laundering and sanctions checks.
Registering, paying in, withdrawing and investing are free. The fee list has charges for special cases: €20 for a statement prepared on request, €2 a month on an account with no investments and no activity for three months, 2% (at least €30) to return a deposit sent with wrong details, and, since 1 August 2026, 2% of your available balance a month (at least €30) if you do not provide requested identity or due-diligence documents. Latvian tax of 5% is withheld from interest for EU and EEA residents.
There is no market to sell notes to other investors, so you wait until each note ends and the money comes back. Free cash can be withdrawn by bank transfer, from €50, to the account you paid in from. Cash waiting in your account is kept apart from the company's own money at BluOr Bank in Latvia. A Latvian investor protection scheme pays up to €20,000 if VIAINVEST itself fails to return your money or notes, but not if a lender or the note issuer cannot pay.
Return: Very High — up to 13.3% a year, but only as a maximum rate on offer. Risk: High (higher means more risk) — late loans across the group's lenders rose from 5.7% to 8.0% in one quarter, every lender belongs to the group that runs the platform, no current group accounts are published, and the operator was fined in 2022. Risk-return: Low — with only a headline rate published and everything resting on one group whose finances you cannot see, the high rate does not make up for the risk.
License / Regulation: SIA Viainvest (reg. no. 40203015744) is an investment firm licensed by Latvijas Banka, Latvia's central bank, under licence 27-55/2023/2, valid since 28 September 2021, and passported to ten other EEA countries. The notes are issued by SIA VIAINVEST Assets under prospectuses approved by Latvijas Banka. The licence does not cover the quality of the loans or the group's ability to pay. On 11 October 2022 Latvijas Banka issued a warning and a €21,277.58 fine for anti-money-laundering and sanctions failures. Investor protection scheme: up to €20,000 if the firm fails to return client assets; credit losses are not covered.
Yes. SIA Viainvest is an investment firm licensed by Latvia's central bank, Latvijas Banka (licence 27-55/2023/2, since 28 September 2021), and the notes are issued under prospectuses the central bank approved. The licence does not cover the loans or the group's ability to pay. The regulator fined the firm €21,277.58 on 11 October 2022 for anti-money-laundering and sanctions failures.
Cash waiting in your account is kept apart from the company's money in client accounts at BluOr Bank in Latvia. Once invested, your money is in notes issued by VIAINVEST Assets, a group company, which lends it on to the group's consumer lenders.
€50 per investment. Withdrawals are also from €50.
The platform advertises up to 13.3% a year before 5% Latvian tax, but publishes no average or realised return. It says no investor has lost money, because the group buys back loans 60 days late. Underneath, 8.0% of the group lenders' loans were more than 90 days late at 30 September 2026, up from 5.7% three months earlier.
Nothing secures the loans; they are unsecured consumer loans. Your protection is the group lender's promise to buy back loans 60 days late, with the group parent, AS VIA SMS group, behind it. So the credit you take is VIA SMS group's: its share capital is €813,000, and its last publicly available full accounts are for 2022.
No early sale: there is no market to sell notes to other investors, so you wait until each note ends. Free cash can be withdrawn by bank transfer from €50, at no charge.
Investing, paying in and withdrawing are free. You pay only in special cases: €20 for a statement prepared on request, €2 a month on an inactive account, 2% (at least €30) to return a deposit with wrong details, and since 1 August 2026 2% a month of your balance if requested due-diligence documents are missing. 5% Latvian tax is withheld from interest for EU and EEA residents.
If a lender cannot fund its buyback and the group cannot step in, the notes may not be paid in full, and no scheme covers that. If VIAINVEST itself fails to return your cash or notes, a Latvian investor protection scheme pays up to €20,000.
The platform, the note issuer and all four lenders belong to VIA SMS group, and the platform's chairman sits on the group's board. There is no outside lender to spread the risk. The Latvian lender is in good shape (0.16% of loans 90 days late at 30 September 2026), but the Swedish (14.2%), Czech (39.4%) and Romanian lenders are much weaker.
