Debitum Investments Review

We currently do not have an in-depth review for this platform.

Rating

⭑⭑⭑⭑ ⭒

4.0

Key Facts

Investment Structures	Marketplace (peer-to-business)
Originator Types	Loan Originators
Investing Into	Business Loans
HQ Country	Latvia

Investments

Interest Rates	10.00% – 15.00%
Number of Originators	6
Number of Countries	5
Currencies	EUR
Minimum Investment	10 EUR

Statistics

Average Net Return	13.61%
Total Loans Funded	126,264,622 EUR
Loans Outstanding	25,525,941 EUR
Loans Current	25,525,941 EUR
Loans Late	n/a
Loans 1 To 15 Days Late	n/a
Loans 16 To 30 Days Late	n/a
Loans 31 To 60 Days Late	n/a
Loans 60 Plus Days Late	n/a
Loans Defaulted (In Recovery)	n/a
Loans Defaulted (Recovered)	n/a
Loans Defaulted (Written Off)	n/a
Investors	17,381
Average Amount Per Investor	1,469 EUR
Principal Returned	83,883,526 EUR
Interest Earned	n/a
Late Fees Earned	n/a

Features

Auto-Invest	Available
Investors can configure their own auto-invest portfolio. The platform provides the following strategies as an example: Conservative (average interest rate: 8.88%, risk scores A+ to A-), moderate (average interest rate: 8.15%, risk scores B+ to B-) and aggressive (average interest rate: 8.45%, risk scores C+ to E-).
Manual-Invest	Available as: Assets

Secondary Market	Not available
Instant Cash-Out	Not available

Risk & Security

Buyback Guarantee	Available
According to debitum terms, if a loan comes with buyback guarantee that means: after 90 days of deferred payment, the loan originator buys back the claim you as the investor has with the borrower. Additionally, penalties will be applied if the borrower does not pay back after 15 days of a due date.
Payment Guarantee	Not available

Rating System	Available as: Credit score, Risk score
Risk scoring ranges from A+ (best) to F (worst).
Due Diligence	Available
Debitum checks every loan originator upon onboarding and after that every quarter. The loan originator must provide the cash flow data of all loans. That includes interest rates, term, payment schedule, commissions and others. The loans data is analyzed along with the overall loan originator's financial data for the last three years. Debitum then evaluates whether there are no collection issues that would be reflected on the loan book, investigates extraordinary loans, measures the stability of the portfolio, and performs stress tests on the financials of the loan originator. Finally, Debitum follows up questions with the loan originator. The loan originator ultimately must be capable to uphold the buyback guarantees towards the investors.
Skin in the Game	Available

Collaterals	Personal Guarantee, Business Guarantee, Promissory Note, Inventory, Company Stocks
Maximum Loan To Value (LTV)	n/a

Sign Up Bonus

Receive a 1% instant cashback on all investments made within the first 30 days after registration, starting from €10. Every investment qualifies for cashback. Bonuses are credited instantly and paid out on a monthly basis.

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Legal Notice

This is not an offer to invest. Investing in financial instruments involves risk. No investment is guaranteed, and there is always a risk of partial or full loss of invested funds. This information is not investment advice or a recommendation. All investment decisions shall be made by you independently, taking into account all your personal circumstances. BeyondP2P earns commissions from platforms when you sign up through our affiliate links. This can influence how prominently platforms are displayed, but we strive not to let it influence us on how we write about them.