Debitum - Risk and return review
Debitum - Returns and loss rates
Investment maturity
Debitum – Platform statistics 2026
29586
investors
Debitum – Pros & Cons
Debitum - Reward
About Debitum
Debitum Investments is a regulated European P2P/P2B lending marketplace based in Latvia that connects investors with asset-backed business loans and credit instruments, primarily for small and medium-sized enterprises (SMEs).
Supervised under MiFID II and licensed by the Latvian financial authorities, it offers investors the opportunity to earn attractive annual returns (often up to ~15 % p.a.) while benefiting from features like buyback guarantees, diversified loan originators, and Auto-Invest tools to automate and diversify your portfolio.
Minimum investment amounts are low (from around €10), making it accessible for both retail and institutional investors seeking enhanced yields and portfolio diversification beyond traditional fixed-income and savings products.
Regulation
License / Regulation: Investment brokerage company license issued by the Financial and Capital Market Commission in Latvia
Functionality
For Investors
For Fund Seekers
Useful Information
Licensed platform;
Focus on business loans;
Debitum Investments operates as a so-called peer-to-peer marketplace, meaning you are not providing loans, but you invest in already issued loans by some microfinance companies also called loan originators.
Given that all loan originators are offering a buyback guarantee (promise to buy back loan from you in case it becomes overdue) it would be fair to say that investors are basically providing loans to loan originators that are secured with claim rights towards end borrowers.
Debitum offers to invest in loans issued to business customers by 5 Loanoriginators: Evergreen Capital is a non-bank finance provider to the Estonian small business sector. FLEXIDEA is an up-to-date invoice financing solution – the only fully online service provider in the Baltic States. FLEXIDEA POLSKA is digital invoice financing platform in Poland. Sandbox Funding is a secured non-bank lender for small and medium (SMEs) businesses in Europe. Triple Dragon Limited is a London-based specialist financing company for the mobile games and apps industry.
When investing on Debitum you basically provide a loan to a loan originator so you have to evaluate its financial strength and portfolio quality which is not an easy task.
Debitum works only with loan originators that issue business loans and a majority of such loans are secured with tangible assets thus if the loan originator fails to pay under a buyback guarantee there are chance to receive part of the money from collateral sale.
