ViaInvest Review

Description

Another medium sized player from the Baltic p2p power house, operating since 2016. ViaInvest brokers loans to both individuals as well as businesses. The following loan types are available: short-term loans, installment loans, credit line or business loans. The platform is owned by the corporate Via SMS group that exists since 2008. From the business point of view, ViaInvest is a reliable and stable player and enjoys trust among investors. Pain points are that loan demand constantly exceeds supply causing serious cash drag on the platform. Furthermore, the IT stack is old and page loading speed at times very slow.

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Rating

⭑⭑⭑ ⭒ ⭒

3.5

based on 2 ratings

Key Facts

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

Investments

Interest Rates	8.00% – 12.00%
Number of Originators	7
Number of Countries	6
Currencies	EUR
Minimum Investment	10 EUR

Statistics

Average Net Return	12.00%
Total Loans Funded	n/a
Loans Outstanding	n/a
Loans Current	n/a
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	22,044
Average Amount Per Investor	n/a
Principal Returned	n/a
Interest Earned	n/a
Late Fees Earned	n/a

Features

Auto-Invest	Available as: Auto-Invest
As mentioned below manual invest, cash drag is not helping the investment experience. However, some investors say that resaving your auto-invest settings once in a while helps to trick the algorithm in picking up your portfolio automatically again.
Manual-Invest	Available as: Loan Listing
Investors suffer from cash drag on the ViaInvest primary market. Currently, demand for loans exceeds supply. Please check our telegram bot for help! It informs you when new loans are available on the platform.
Secondary Market	Not available
Instant Cash-Out	Not available

Risk & Security

Buyback Guarantee	Available
ViaInvest loans usually come with a 30 days buyback guarantee. Buyback Guarantee does NOT apply to business loans. It has been issued in intervies that the owning corparate, the VIA SMS Group, may assume guarantees on behalf of ViaInvest.
Payment Guarantee	Not available

Rating System	Not available

Due Diligence	Not available

Skin in the Game	Available
Loan Originators may have 5% skin in the game.
Collaterals	n/a
Maximum Loan To Value (LTV)	n/a

ViaInvest – is it a match?

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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.