Viventor Review
Description
Viventor is currently negatively debated in the investors community. The former CEO left the company and it remained without leadership for a while. Furthermore, market development is negative as the platform got a huge blow from the corona crisis. There is also a conflict of interest, as the investment company behind viventor – Atlantis Financiers – has been also a loan originator on the platform. In March 2021, Atlantis Financiers became suspended on ViVentor. The ratio between loans on the primary market and the secondary has increased with investors fleeing the platform. Note also: Although the company is legally registered in Latvia, it is effectively operating from Lithuania.
Rating
Key Facts
| Investment Structures | Marketplace (peer-to-business) |
|---|---|
| Originator Types | Loan Originators |
| Investing Into | Business Loans, Consumer Loans, Leasing, Real Estate |
| HQ Country | 
Latvia
|
Investments
| Interest Rates | 6.00% – 16.00% |
|---|---|
| Number of Originators | 17 |
| Number of Countries | 14 |
| Currencies | EUR |
| Minimum Investment | 10 EUR |
Statistics
| Average Net Return | 13.60% |
|---|---|
| Total Loans Funded | 139,992,266 EUR |
| 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 | 7,446 |
| Average Amount Per Investor | n/a |
| Principal Returned | n/a |
| Interest Earned | n/a |
| Late Fees Earned | n/a |
Risk & Security
| Buyback Guarantee | Available |
|---|---|
viventor pledges: "All loans come with buyback guarantee so the Loan originator will buy back loans in full with accrued interest, if a borrower is over 30, 60 or 90 days late." | |
| Payment Guarantee | Available |
Some loan originators promise monthly payments on behalf of the borrowers. | |
| Rating System | Not available
|
| Due Diligence | Available |
ViVentor pledges to carry out due diligence of the loan originators: the company, its financial situation and its financial projections. Due Diligence would be carried out on a regular basis. | |
| Skin in the Game | Available |
ViVentor requires its loan originators to have at least 5% skin in the game. | |
| Collaterals | Property |
| Maximum Loan To Value (LTV) | 75.00% |
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