Latvia 🇱🇻P2P platforms in Latvia in 2025: stability, diversification and sustainable growth

In recent years, Latvia has established itself as one of the leading European centres for alternative finance, including P2P (peer-to-peer) lending and investment platforms. While 2024 was still marked by regulatory adaptation and consolidation of market participants, in 2025, the Latvian P2P environment has become even more mature, transparent and safer for investors.

The main development directions of the industry in 2025:

The European Union’s single regulation for alternative finance is now entirely in force, providing a solid foundation for platform operations. It helps investors better understand investment risks, interest rates, and return potential. Platforms have introduced transparent reporting, improved security systems, and investor protection mechanisms. As a result, only regulated and vetted platforms can operate openly in Latvia in 2025, strengthening the country’s reputation in the international market.

The dominance of major players and the emergence of new niches

In addition to the large market players, the industry is witnessing the entry of niche platforms into the market. These new platforms specialize in narrower areas, such as “green” energy, real estate or social impact projects, where investors are looking not only for profit but also to contribute to the sustainable development of society.

It is still one of Europe's leading brands. In 2025, it successfully expanded its loan portfolio, offering consumer and corporate loans and innovative investment solutions—from specialized loan baskets to projects that meet ESG (environmental, social, and governance) criteria.

💰 Products offered

🏡 Origin country

💶 Total invested amount

👥 Users

🏦 Money protection

🎍 Year founded

🤖 Auto invest feature

💵 Minimum investment in loans

💹 Minimum investment in ETFs

Mintos Investing Highlights

Thanks to a successful growth strategy and continued focus on investor experience, Twino has strengthened its position by offering broader geographic coverage and automated investment strategies.

💰 Featured products

🏡 Country of establishment

🎍 Year of foundation

🤖 Auto-investment feature

💵 Minimum investment amount

Twino Investing Highlights

Continuing to specialize in SME (small and medium-sized enterprise) financing, Debitum has become a significant solution for European entrepreneurs. It allows investors to invest in the development of the real economy with clearly defined risk profiles and transparent data.

🏡 Country of creation

💶 Total amount invested

🤖 Automatic investment feature

💵 Minimum investable amount in loans

Debitum Highlights

Nectaro is a new platform based in Latvia that began operations in 2023. It offers diverse investment opportunities and focuses on investor safety. Nectaro attracts investors with its transparent operating model and friendly user interface. The platform is an excellent choice for a modern and safe investment experience.

Nectaro's yield currently ranges from 12% - 14% per year.

💵 Minimum investment amount in loans

Nectaro Main Points

VIAINVEST specializes in consumer credit financing. Its average annual return is around 11%. The platform is friendly to new investors, thanks to its simple interface and low minimum investment amount (10 euros).

Via Invest Main Points

HeavyFinance offers investments in agricultural projects. All projects are secured by collateral, such as machinery or land. The average yield is 12.1% annually, and the minimum is 100 euros.

💰 Products Offered - Loans

👥 Investors

Heavy Finance Highlights

Technological innovation and smart contracts

Technology has become a critical competitive advantage in 2025. Automated investment strategies, artificial intelligence tools, credit risk analytics and smart contracts (blockchain-based contracts) have become the norm. This speeds up processes, lowers transaction costs and ensures more secure data management. As a result, investors can react faster to market changes, while platforms can manage client capital more efficiently.

Institutional investors and international outreach

In 2025, institutional investors will play an increasingly important role in the Latvian P2P market, injecting large amounts of capital and increasing liquidity and stability. This will attract more international investors who see Latvia as a safe and well-managed market. A higher share of institutional capital also ensures broader diversification and long-term stability.

In 2025, the Latvian P2P platform market will become a mature, strictly regulated, technologically advanced ecosystem that attracts local and international investors. The leading market players—Mintos, Twino, and Debitum—have expanded their operations while adhering to strict transparency and security standards. New niche platforms and modern technologies make the P2P environment even more attractive and flexible, while the involvement of institutional investors increases the industry's stability and reliability.

This situation benefits investors, who gain access to a wide range of diversified investments and entrepreneurs looking for alternative financing options. Thus, 2025 marks the targeted, balanced, and sustainability-oriented development of the P2P market in Latvia.

Discover the best P2P platforms in Latvia in 2025, including Mintos, Twino and Nectaro. Compare profitability and security to choose the right one for you!

P2P platforms in Latvia in 2025 - how the market is changing

P2P platforms in Latvia in 2025

My personal experience with Debitum investments

How do I get started with Debitum Investments?

What are the fees associated with Debitum Investments?

Debitum was established in Latvia in 2018 by Ingus Salmins and Eriks Rengitis.

Debitum is a relatively new P2P investment platform that provides small and medium-sized enterprises (SMEs) with alternative investment opportunities in the form of loans, receiving 10% - 14% interest in return. Its mission is focused on facilitating access to finance for SMEs that would otherwise find it difficult to obtain funding from traditional banks. This approach promotes the growth and sustainability of SMEs and offers investors the opportunity to earn a return on their capital by financing these loans.

The goal of Debitum investments is to create a bridge between investors who are looking for profitable opportunities and companies that need financial support. This platform uses technology to assess risks and ensure a transparent and efficient investment process. In this way, Debitum aims to democratize the lending process, making it more accessible and beneficial for both parties involved. This approach helps stimulate economic growth by supporting small businesses, which often play a key role in the local economy but may lack the necessary resources to expand or improve their operations.

: Investors start by registering and creating an account on the Debitum platform. This includes providing the necessary identification and financial information to ensure regulatory compliance.

: Investors deposit funds into their Debitum account, which they can then use to lend to businesses.

: Investors can browse various loan options by viewing detailed risk assessments, terms and borrower company profiles.

: When an investor chooses a loan, he can decide how much to invest. Investments can often be spread over multiple loans to diversify risk.

: Investors can monitor the progress of their loans through the Debitum platform. Interest payments are usually made monthly, and the principal is repaid at the end of the loan term.

Debitum mainly offers the following investment types:

: These are direct loans given to SMEs for various purposes such as expansion, equipment purchase or working capital.

: Investors can finance outstanding invoices, providing immediate cash flow to businesses awaiting customer payment.

: These loans are secured by tangible assets, such as machinery or real estate, that can be liquidated in the event of default.

Debitum has implemented several security measures and risk management strategies to protect investors:

: Each loan is subject to a thorough risk assessment, which includes credit checks and a financial analysis of the borrower's company.

: Many loans are secured by collateral or personal or corporate guarantees to reduce the risk of loss.

: The platform encourages diversification across different loans, industries and geographies to mitigate risk.

: Debitum may maintain a reserve fund to cover possible losses from non-performing loans, although the specifics may vary.

: Investors are provided with detailed information about each loan, including the borrower's financial position and the risk involved.

These elements combine to form a solid platform that balances the potential returns with the risks of SME lending.

How do I discover Debitum Investments? As mentioned, Debitum is a relatively new platform, and news spreads on social media about creating a new and promising investment platform. Various popular blogs also described this fact.

My first impressions are that this platform is relatively new and straightforward to navigate and choose Investment types.

Like the other platforms, it has all the security levels—identity verification and investment knowledge verification are required upon registration, which shows that Debitum cares about the potential client and is focused on safe investments.

The registration process is simple and user-friendly. First, I created an account where I had to enter basic personal information - first name, last name, email address and a secure password.

After creating an account, I was subjected to verification, which required identification, such as a passport or ID card and proof of address, such as a utility bill or bank statement. This step is essential to comply with financial regulations and took some time, but the instructions were clear, and the upload function worked flawlessly.

The initial deposit experience was also relatively smooth. Once my account was verified, I was able to transfer funds to my Debitum account using various payment methods, including bank transfers and credit cards. The platform provided detailed information on how to proceed with each method, and my funds were available for investment shortly after the deposit was confirmed.

Investing in Debitum Investments has been a rational and sensible experience for me. The platform simplifies the investment process, making it accessible even to those new to alternative investments.

An intuitive interface that classifies investments by type, risk level, and return potential facilitates choosing investment options on Debitum. I especially appreciate each investment opportunity's detailed project descriptions and risk assessments.

This transparency allows me to make informed decisions by assessing potential risks and benefits. Whether choosing business loans, invoice financing or asset-backed loans, I can easily filter and select options that meet my investment criteria.

Diversification is my primary strategy for managing risk, and Debitum supports this approach well. The platform encourages the spread of investments across different loans and sectors. I have found combining shorter-term invoice financing deals with longer-term business loans effective, balancing liquidity and providing a more stable return profile. This strategic diversification helps reduce concentration risk in any single borrower or sector.

Features like auto-invest further simplify the process by automating investments based on my pre-defined criteria, which saves time and preserves my portfolio strategy even when I'm not actively managing it.

My journey with Debitum Investments has been enriching in terms of ROI and learning experience.

I have seen consistent performance from my investments in the platform over time, with annual returns typically ranging from 10% to 14%. This is particularly impressive given the relatively moderate risk profile of loans available to Debitum.

Debitum stands out with its niche for SME (small and medium-sized enterprises) financing compared to other investment platforms. Although I have invested in other peer-to-peer lending platforms and traditional investment instruments such as stocks and bonds, Debitum has returned all my investments on time. This diversification has improved my portfolio and provided stability during market fluctuations.

One of my major investment successes was investing in several invoice financing loans, which yielded higher returns than expected due to timely and full repayment by borrowers.

But for now, the risk has been fully justified in my case. Enjoy profits without hitches.

In the four years I've invested in Debitum Investments, I've found it to be relatively safe.

The platform is smaller, and the range of loans is more limited than that of larger peer-to-peer lending platforms, which creates certain risks. However, in my experience, Debitum manages these risks well through rigorous borrower evaluation and secured loans.

Although no investment platform can guarantee absolute security, Debitum's proactive risk management and transparency have provided a safe environment for investment so far.

Over the years, my investments in Debitum Investments have yielded an average return of approximately 12% per year, which I consider very favourable.

The return on these investments can be affected by several factors, including the economic climate, the performance of the borrowers' companies, and the risks associated with each type of loan. Although returns are consistently high, it is important to recognize that they can be affected by external factors such as market fluctuations and regional economic conditions.

However, my experience has been very positive, and the returns are closely related to my financial goals.

Getting started with Debitum Investments is easy.

Visit their website, register with your basic information, and complete the verification process. After verification, you can top up your account and explore different investment options to make your first investment.

Debitum Investments charges minimal fees, making it an attractive option. There are no hidden costs; the principal fee is a small service fee for the interest earned on the investments. This transparency in the fee structure ensures that I know exactly what I'm paying and maximizes my returns.

Withdrawals from Debitum Investments are easy, although they depend on the liquidity of the loans.

Generally, the funds can be withdrawn at the end of the loan term or earlier if the loan is sold on the secondary market. This flexibility has made managing my ROI quite convenient.

My journey with Debitum Investments has been enriching. Over the past four years, I have seen consistent returns averaging around 12% per year, which is impressive compared to traditional forms of investing.

The platform's user-friendly interface, strong security measures, and transparent information have greatly simplified the investment process, allowing me to make informed decisions easily.

Honestly, I highly recommend Debitum Investments to anyone looking to diversify their investment portfolio or explore alternative financing options. It is a platform that supports small and medium enterprises and complements economic growth while generating profits.

If you're considering getting involved in peer-to-peer lending, Debitum Investments is a great place to start. The platform's simple process and solid returns offer a compelling and profitable investment journey. Try it and see the potential benefits for yourself!

Debitum Investments review from the perspective of a real investor. Get to know my honest experience, performance insights and top recommendations to help you make informed investment decisions.

Debitum investments - My Experience and Honest Opinion

Mintos has evolved beyond a peer-to-peer lending platform. Nowadays, it serves as a comprehensive investment platform where you can invest your funds in loans, Exchange-Traded Funds (ETFs), and bonds.

The platform introduces a user-friendly investment gateway for ETFs, enabling You to swiftly tailor a portfolio to your requirements without collecting 

Mintos distinguishes itself by allowing investments in ETFs from as low as 50 euros, a threshold significantly lower than many other brokers that require minimum investments ranging from hundreds to thousands or even hundreds of thousands of euros. This accessibility broadens the appeal of ETF investments to a broader audience.

Furthermore, Mintos simplifies the taxation process for its users across Europe by automatically handling tax obligations, providing a hassle-free investment experience.

🚨 Take advantage of the Mintos Bonus campaign!
You can get a Bonus of up to €500 for new investors for a limited time!

Mintos was founded in 2014 by two Latvians: Martins Sulte and Martins Valters. It was one of the most successful startup companies that year. Initially, it received a 2 million seed investment from the local investment company “Skillion Ventures”. 

First, it was built as a peer-to-peer lending platform, but later, the business model changed to a marketplace for investing in loans.

Now, it has already had several investment rounds and changed its business model to be a general investing platform rather than just a loans investing platform. 2 more products have been added: ETFs and Fractional bonds.

Martins started his career with short-term roles at UniCredit and later worked at Ernst & Young and NASDAQ OMX. He spent several years at SEB Investment Banking, where he started as an analyst and later became an associate, involved in financial deals and transactions.  Sulte studied Business and Economics at the Stockholm School of Economics in Riga and earned an MBA from INSEAD. He also holds a Chartered Financial Analyst (CFA) certification from the CFA Institute.

Martins, before co-founding Mintos, had an extensive eleven-year career at Ernst & Young. During his time there, he worked on audits, due diligence, and consulting for significant banking groups across Europe. He is a chartered certified accountant with a degree in economics. At Mintos, he has played a crucial role in managing the platform's operations and financial strategies, contributing significantly to its growth. Under his leadership, the company has expanded its services to include innovative financial products, such as bonds and ETFs.

He is responsible for managing significant risks to the company, including strategic, reputational, operational, financial, or compliance-related risks.

She received her higher education from the London School of Economics and Political Science (LSE), which supports her current role as the overseer of legal and compliance issues at Mintos. Her position involves ensuring that the company complies with legal standards and regulations while managing its internal legal affairs.

He has been a part of Mintos for more than eight years and has played a crucial role in shaping and executing the product development strategy at the company. Prior to joining Mintos, Gogis held various positions in web and product development at Lattelecom and Swedbank Latvia. He has an MBA from Riga Business School and a Bachelor's degree in E-commerce from the Riga International School of Economics and Business Administration. This combination of business and technology education has provided him with a solid foundation for his leadership position in product development at Mintos.

Mintos team

When opening an account, you need to email your proof of identity to ensure that you are registering. 

Mintos takes care of your taxes, automatically deducts taxes, and provides information to your government's tax agency.

Then, you need to provide some general investment answers to make sure you assess the risks involved in investing.

Once you add some money to your Mintos account then you can start investing. Keep in mind that your investing options and limits might be different based on the answers you provided.

In my opinion, Mintos is one of the easiest P2P platforms. It is designed for both beginner and experienced investors. 

It has very well-tailored auto-invest strategies where your money is just growing itself.

The Mintos mobile app makes it easy for investors to manage their investments on the go. Although it doesn’t yet offer all the functionalities available on the website, it’s continuously updated to improve user experience

🇪🇺 Up to € 20 000 protection for your cash and securities

The financial crisis isn't just affecting banks and how investment services handle financial instruments. It's involving investment firms and banks.

Also, when the global market is uncertain and confusing, bad behaviour and cheating are more likely to occur. 

Therefore, a call for evidence was necessary to gather information about the Directive's application and whether and how it should be modified to protect investors better. 

So European Commission created The Investor Compensation Scheme Directive 97/9/EC (ICSD)

Mintos has been a member of this scheme since 17.08.2021.

This directive is designed to help the single market in investment services work properly by boosting investors' confidence with a standard set of basic protective steps.

Specifically, the ICSD protects investors, to some extent, from losing money if an investment firm can't pay back money or return assets it holds for its clients.

A standard minimum compensation (90% of the debt and EUR 20,000) for each investor is seen as enough to protect small investors if the firm can't meet its obligations.

 regulates it, and Mintos is a member of the 

However, this does not cover investment risks like poor loan performance. It is also important to note that The investor protection scheme does not apply to loan investments via assignment agreements.

🛡️ Safeguarding Investor assets and cash

Mintos must keep clear, accurate records and accounts that separate all Notes and investor money from Mintos assets. 

Mintos regularly checks its internal records and accounts and ensures strong controls are in place to reduce investors' risk of loss. 

Financial instruments owned by Mintos investors are kept in separate accounts for the investors, away from Mintos assets. The investors' money is kept safe by placing it in safeguarding accounts in central banks, credit institutions, or qualified money market funds licensed in the EU. This money is only used to carry out the investors' instructions to invest or withdraw money or to pay fees and charges to Mintos. These funds are separate from Mintos' assets, and Mintos creditors cannot claim these funds. 

This is very good because if something happens to Mintos-owned assets, it doesn't affect investors' money.

Mintos must check each person's knowledge about investing and the risks involved and ensure that they have enough financial capability to put their money at risk. 

This includes a questionnaire upon registering and putting more money into Mintos. 

For example, I could initially invest only €4500 until I proved that my knowledge was sufficient to invest more. 

This also includes a product offering like manual investing, which is only available if you are a more experienced player. For example, the auto-invest feature is enough even for an experienced investor.

Mintos also provides extensive information about investing and managing the risks involved on its site.

In Mintos, the core of the business is investing in Loans. 

I recommend this option to most people because it is safe and provides good returns. I would not recommend other options if you don't plan to invest more than € 10,000.

Mintos also recently added an ETF investment option, a great way to diversify your portfolio. However, I currently do not have as good an interest return from ETFs as from loans.

I tested by investing € 200 a couple of months ago. From the first days, there was a return of 2%—3%. Unfortunately, this indicator has not increased yet.

I haven't invested here yet because I consider it a much more risky deal. But for those who like bonds, Mintos now provides them as well.

Mintos recently launched a new product: Investment in Real Estate. What exactly is it, and how does it work?

It is a manual type of investment, where the investor chooses a real estate he likes and contributes the desired amount of investment to it.

The best part is that the income is calculated monthly from the rent plus the real estate value increases.

In essence, it is no different from ordinary real estate acquisitions, such as buying a property and renting it out.

In this case, you don't have to pay various fees, deal with loans, or save for the first instalment. Just add funds and see how the income accumulates every month. Also, you don't have to think about what will happen to the property—whether something will break or whether other necessary expenses will have to be paid.

When you purchase Real Estate Securities, you are entitled to receive interest payments each time net property payments are made on the underlying bonds and a refund when the underlying property is sold.

The term is usually between 10 and 25 years. However, you can also go faster and sell bull papers on the secondary market, but then you will have to expect to pay a commission of 0.85% of the investment amount.

Therefore, you should plan to make this investment for at least 10 years so that it has a maximum profitable return.

The risk is that the real estate will lose market value or that Mintos will not be able to repay the money for other reasons.

Mintos rates this type of investment a 5 on a scale of 1 to 7, which is medium risk.

However, real estate prices usually rise gradually, and their value does not fall rapidly, making it one of the safest types of investment in Mintos in my opinion.

Mintos Smart cash is the latest Mintos solution for storing money to avoid inflation.

Example: You put 1000 Eur in an account and get 3% per year (approximately). Interest is paid at the beginning of each month; from 1000 Eur, it will be approximately 3 Eur per month.

If you want to withdraw money, you can do it at any time. The money will be credited to your account within one or two days.

In essence, it is similar to the deposit service in a bank, where you usually pay 2.0% to 2.9% per year, and the money can be withdrawn usually after a week.

So, Mintos offers better interest and faster withdrawals than regular banks.

Recently, Mintos increased its market for Smart Cash, which is now available in Latvia. Good Job, Mintos!

In general, Mintos is one of the best choices for investing money in p2p because it has a well-established reputation and a large user base. It is by far the biggest P2P platform in Europe. They take care investor security very seriously. 

It has provided me with very stable money growth over the years.

They also have big plans for the future to dominate even more market segments. 

Explore our detailed Mintos review to determine if it's the ideal platform for your peer-to-peer lending experience. Discover essential insights, valuable tips, and comprehensive guidance to help you make well-informed investment decisions!

Reviewing Mintos - what I've discovered

Banks fear P2P investing platforms because they offer more competitive rates and a much easier process to start investing.

Peer-to-peer investing is a form of alternative investment option where you can invest in loans given to other people or businesses, excluding banks. Those loans can be backed up by some asset like a car or real estate. 

Platforms take care of all the paperwork and hassle. They make it so accessible and easy as you can do it with just a few clicks.

The expansion of peer-to-peer platforms is extraordinary both by the increasing volume of loans and the rising number of investors. This growth is driven by the attraction of potentially high returns and the appeal of engaging in socially responsible investments.

P2P investing is when one person or person group lends money to another person or company using digital platforms. 

Usually, the p2p platform fees are much lower than in traditional financial institutions.

As a result, borrowers can lend more easily online and investors can earn more attractive returns.

Investing in a p2p platform provides a good opportunity to diversify a portfolio, invest in a small amount of loans, and spread investments in all kinds of loans, countries and even platforms.

P2P investing was started in the UK by Zopa - a P2P lending platform, back in 2005.

Let's face it: Who doesn't want more bang for their buck? P2P investing often offers higher returns compared to the interest rates from savings or fixed deposit accounts at banks. Why? 

Because you're cutting out the middleman and lending directly to borrowers. This means more profit for you and less for the bank's towering skyscrapers and executive golf memberships.

In fact, European banks usually offer between 2% and 4% interest rates per year. Of course, it significantly varies by country and financial institution. Some high-yield savings accounts offer attractive rates, but these often come with specific requirements or limitations.

For instance, Lightyear offers an interest rate of 3.25% on Euro balances, and Wise provides a 3.66% rate. BUX offers a 2.75% interest rate, but only for balances up to €25,000. Meanwhile, Scalable Capital offers a 2.60% interest rate on Euro balances, with certain conditions​. 

Different countries in Europe offer varying rates. For example, Austria has rates up to 3.56%, Germany up to 3.85%, and Sweden up to 3.83%. However, Spain's rates are lower, with a maximum of 2.75%​​. 

My bank offers me a 2.5% annual rate, and I know that other banks usually offer even lower interest rates.

When you invest through a P2P platform, you get to play banker. You choose who to lend to, the rates, and the terms! It's a level of control and customization that's miles away from the one-size-fits-all approach of traditional banks. 

You can choose the interest rate, loan type, country of origin, and term.

Want to fund only green businesses or support local entrepreneurs? The choice is yours.

Diversification is a golden rule in investing, and P2P lending makes it easier to achieve. Instead of putting all your eggs in one or two investment baskets, you can spread your money across dozens or even hundreds of loans. This can help reduce your risk and is something banks can't directly offer through a single investment product.

With P2P platforms, what you see is often what you get. You can track where your money is going, see the exact returns you're earning, and monitor the performance of your investments in real-time. Banks, on the other hand, can sometimes feel like a black box where your money disappears and reappears with little insight into the hows and whys.

Supporting Real People, Not Just Profits 🤝

Many investors find satisfaction in knowing their money is directly helping individuals or small businesses. 

P2P lending isn't just about returns; it's also about making a tangible difference. 

While banks also lend to businesses and individuals, the personal connection in P2P investing is on another level.

Conclusion: A Threat to Traditional Banking?

So, are banks shaking in their boots? Maybe a little. P2P investing offers an alternative that challenges the traditional banking model, focusing on personalization, transparency, and empowerment. 

While it's not without its risks and isn't a one-size-fits-all solution, its growing popularity is a sign that many are ready for a different kind of financial future.

Before you jump in, remember to do your homework, understand the risks, and consider how P2P investing fits into your broader financial goals. 

Check out the reasons why traditional banks are getting jealous over P2P investing! From higher returns to unparalleled transparency, learn how P2P platforms are offering benefits that banks simply can't match.

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