Debitum review: 11% return and more
Debitum Investments is thrilling investors with returns of up to 15% and an almost perfect repayment record. Sounds too good to be true? I have been investing through the platform for some time now and will share my personal experiences with Debitum, the potential risks and disadvantages, and what you should look out for.
In brief:
- Debitum is a P2P provider from Latvia that finances business loans. Here, you invest in corporate loans and receive up to 15% interest.
- The provider is rather unknown, but reputable, fully regulated and has been operating for a long time.
- Its small size (around 18,000 users) is deceptive: Debitum is one of the best P2P platforms and my personal experience has been extremely positive.
My Debitum Investments experience: Everything you need to know about the platform for corporate loans
P2P lending is rightly considered a crisis-proof investment with high returns. No wonder, then, that the market is growing steadily and attracting more and more investors and platforms. The special thing about the world of personal loans is that it is quite difficult to keep track of everything!
This is why an excellent platform such as Debitum largely flies under the radar of investors. Other, less attractive providers, on the other hand, have significantly more users for reasons unknown. To find out exactly which service provider is really worth it in 2025, take a look at our current P2P lending ranking.
In this ranking, you will immediately find Debitum in first place. With the test winner from Latvia, you can invest in business loans from all over the world. Your capital is made available to companies and in return you receive a very attractive interest rate, which can be up to 15%!
Debitum acts as a marketplace where investors like you and me can connect with loan originators. They, in turn, take care of lending, screening and more. In my experience, this provides significantly greater choice and flexibility!
For example, you can invest in a huge number of countries, thereby achieving excellent diversification. Debitum offers loans from:
- USA
- Brazil
- Spain
- Portugal
- Turkey
- Denmark
- United Kingdom
- Estonia
- Latvia
- And many other countries
However, you can also divide your investments by sector. For example, companies from the gaming industry, construction, agriculture and forestry, and other sectors are looking for capital. This makes DN an exciting alternative to the typical consumer loans you find at Mintos or Swaper, for example.
This business model has been successful for more than six years and has weathered the coronavirus crisis very well. During this entire period, all loans have been repaid to investors.
The default rate is 0%, which is an excellent figure that, in my experience, few competitors can match. Only loans from Ukraine are significantly past due due to the war – however, these account for only around 2% of the lending portfolio and are not actually defaults, but rather delays.
The most important data at a glance:
| Headquarters | Riga, Latvia |
| Regulation | Regulated by the Latvian Financial Supervisory Authority |
| Founded | 2019 |
| CEO | Erik Rengitis |
| Return for investors | 14.83% (XIRR) |
| Financed credit volume | 3.8 million € (03/2025) |
| Number of investors | + 22,700 (05/2025) |
| Financed business loans | 10,810 (05/2025) |
| Minimum investment | amount €10 per loan |
| Extras | 🗙 Secondary market✔ Auto-invest🗙 App✔ German translation |
| Repurchase obligation | Yes, for 100% of the capital |
How does investing work at Debitum?
With Debitum Investments, you make your money available to companies and are rewarded with attractive interest rates in return. The whole process works as follows:
- Companies regularly need money for further growth and new investments, but cannot always obtain loans from banks.
- They therefore turn to credit brokers (also known as ‘brokers’) such as Evergreen Capital, Flexidea or Triple Dragon, who work with Debitum. These companies have many years of experience in credit assessment and can quickly examine collateral and other important points.
- If everything looks good, they finance the loan. However, they want to refinance their capital as quickly as possible so that they can grant further loans. They therefore seek investors via Debitum.
- The P2P platform carries out an additional check to ensure that everything is in order with the individual loans. If everything is OK, the process moves on to the next step.
- DN now combines several such loans (at least five) into a so-called ‘asset-backed security’. Each of these products has a term, interest rate and a penalty interest rate in case the borrower does not repay on time.
- Investors like you and me can now invest our capital in these asset-backed securities. In return, we receive the promised interest.
- At the end of the term, the invested money is repaid. If there are any delays, DN takes care of collecting the funds and penalty interest.
If a borrower defaults completely and is unable to repay your money, the respective broker will step in: Each of these loan originators must offer a 100% repayment guarantee and repay the money to you in the event of default. Debitum also ensures that the originators actually have sufficient capital and limits the number of loans they are allowed to issue.
I am not the only one who has had very good experiences with this security concept: every investor has always received their money as planned, only the loans from Ukraine are still pending.And that has been the case since the beginning over 6 years ago!
The Debitum Investments platform and the loan originators who are active there naturally also want to make a profit. They take a small portion of the interest and invest it themselves in the respective loans. This last point is particularly important because, through their direct involvement, the brokers have a vested interest in ensuring that everything runs smoothly. After all, they themselves have a lot to lose!
The structure looks complex at first glance, but it is actually very simple: loan brokers arrange loans that you can invest in via the network. Numerous verification mechanisms ensure security.
This business model seems to be working for the brokers; however, DN itself has recently been in the red. Given that the company is still on a growth path and has corresponding expenses, this is not surprising.
My experience with asset-backed securities
If you already have experience with P2P lending, you will need to rethink your approach with Debitum: here, you do not invest in individual loans, but in so-called ‘asset-backed securities’. These are packages of at least five loans with similar characteristics that have been put together by DN.
In practice, this does not change your profits, but it does have significant advantages for your security:
- Asset-backed securities may only be issued by providers who hold an investment broker licence.
- Debitum is one of the few platforms (in my experience, there are only three other providers in the whole of Europe) that hold this licence.
- Licensing goes hand in hand with significantly stricter controls by the financial supervisory authorities.
- Investors also benefit from better security measures. In the event of the platform’s insolvency, your uninvested capital is protected by a deposit guarantee of up to €20,000.
- Since at least five loans are always grouped together, the risk for investors is reduced. Even if one P2P loan defaults, four others remain.
Overall, asset-backed products are a real blessing for investors. Many platforms are a black box for us, where we never really know what the financial situation is and whether our money is in good hands. At Debitum, on the other hand, everything is transparent thanks to the intensive controls that come with the investment broker licence.
You can find out more about the problems and risks associated with some P2P providers in my report on platform risks.
Register and secure your bonus – here’s how it works!
Want to get started with what is arguably the best P2P platform and earn high interest rates? Nothing could be easier! Registration takes just a few minutes. Here’s how it works:
1. Use the bonus link and register
Start with my link to secure an additional 1% return!
This will take you to the DN homepage, where you can create your account by clicking on ‘Register today’. Start by entering your name, email address and a password.
You will then receive an email in your inbox containing a confirmation link.
2. Confirm identity
A platform that is as strictly regulated as DN must, of course, verify the identity of its customers. To do this, you will need to provide proof of identity.
This works via the camera on your mobile phone, tablet or computer. The name you provide must match the information on your passport/ID card/residence permit.
Once you have photographed your ID document, you will need to record a short video of yourself. This allows DN to verify that you are a real, living person. Alternatively, you can also verify your identity via video call with a service representative.
How do deposits and withdrawals work?
Once your account is open, you can deposit money and start investing. This works via bank transfer from any bank account. You only need €10, which is the minimum amount per loan. In my experience, however, it makes much more sense to invest a larger amount and spread it across several loans. In my experience, there are no defaults at DN, but delays in repayment are possible. Better distribution therefore gives you much more flexibility.
Insert screenshot of the deposit window here
Debitum interest: How I achieve a 12.25% return
I have been active with Debitum Investments for several years and currently have over 7,000 euros invested. Like all other investors, I have always received my interest payments on time. My experience with the platform has been extremely positive!
Insert screenshot of Aleks’ portfolio here (unfortunately, his face is covered in the video)
My current interest rate is 12.25%, which is slightly below what a new investor can expect. This is mainly because the platform has become increasingly lucrative in recent years and now pays higher interest rates. The average return rose from 11.28% to 12.48% last year, with stable repayments.
Depending on which loan packages you choose, even higher profits are possible. Some loan packages offer interest rates of 15 or even 16%, which you can increase by another percentage point with my sign-up bonus.
Safety and risks associated with Debitum
If you already have some P2P experience, you know that lending always involves risk:
- If an individual borrower is no longer able to make their repayments, the platform or the credit broker steps in so that investors do not suffer any losses.
- However, if there are widespread payment defaults, as was the case during the COVID crisis, for example, the credit brokers may find themselves in financial difficulty. Your capital is then at risk!
- An entire platform can also become insolvent and may no longer be able to make outstanding payments.
- In addition, there is always a risk of fraud, although this is likely to be extremely low with P2P lending: the requirements for opening your own platform are simply too high.
Every provider tries to combat these risks with security mechanisms of varying complexity. Through my investments in dozens of P2P offerings, I have gained extensive experience with various forms. For me, there is no question that Debitum currently manages the risks of the lending business best!
This works in several steps:
1. Selection of credit brokers
DN is a marketplace where various credit brokers can obtain money from investors and pass it on to borrowers. Only a very small number of these providers are currently available on Debitum. This is not due to low demand, but rather to the extensive selection criteria of the Latvians!
Only providers who can comply with the platform’s strict guidelines are permitted. The Latvian Financial and Capital Market Commission also monitors and ensures that only reputable credit brokers are approved.
2. Control of the amount of credit
Once a credit broker has been approved on the platform, Debitum Investments keeps a close eye on the provider. The number of loans that an individual service provider is allowed to offer is limited: sufficient capital must be available to cover repayment from their own pocket in the event of an emergency!
3. Regulation of lending
The loans are additionally reviewed before being pooled into asset-backed securities and offered on Debitum Investments. In fact, there are three review bodies:
- The loan originator checks before passing the loans on to DN
- DN also checks before the loans are pooled and released for investment
- The Latvian Financial Supervisory Authority imposes strict requirements on lending, which are also incorporated into the review process.
Investors also enjoy the protection of the EU deposit guarantee. Unlike the higher German deposit guarantee, this only applies to amounts up to €20,000. Money that is in your Debitum account and has not been invested is protected up to this amount even in the event of insolvency.
Good to know: Asset-backed securities are not part of a P2P provider’s special assets. In the event of insolvency, you cannot simply transfer them to another provider, as you would with a share deposit account. However, due to strict regulations imposed by the financial authorities, the chances are good that investors will not be left empty-handed in this case either.
Advantages and disadvantages of debitum
My personal experience has given me a very positive impression of Debitum Investments. I would therefore like to start by listing the advantages:
- Very high interest rates of up to 15%. In some cases, even 16% is possible.
- Reliable payouts, even in times of crisis.
- Access to various countries and companies that you can finance. This makes it easy to achieve excellent diversification.
- Penalty interest for borrowers in the event of late payment. This can significantly increase your overall return.
- Platform fully regulated by the Latvian Financial Supervisory Authority with its own investment broker licence, fast and open communication and audited annual reports. In my experience, no other provider offers better transparency!
- Very low minimum amount: With £10, you can invest in a package of five or more loans, which corresponds to a total of £2 per loan. This allows you to diversify your capital very widely without any difficulty!
- Your uninvested capital is protected by deposit insurance up to an amount of £20,000.
- Asset-backed securities instead of individual loans: You invest in P2P packages, which increases your security and makes the whole process much easier.
- No cash drag: In my experience, there are always enough loans available so that your money does not lie around unused and depress your returns.
- The customer service is above average. You can reach the staff by phone, live chat or email. In addition, every investor can visit the company and take a look at the various projects in which you can invest. I was also able to take a trip to Latvia and get a first-hand impression.
- Very good bonus programme: With my registration link, you can secure an additional 1% interest.
Of course, there are also disadvantages. These include:
- With 19,000 users, the platform is still relatively small and recently posted a loss of €360,000. While this is no cause for concern, you should keep an eye on the business figures in the long term: DN cannot lose money indefinitely…
- There is no secondary market, so early exit is not possible. Your money is therefore tied up for some time – in the event of payment delays, even longer than expected.
- A German translation is available, but it is still very rough.
- The three Debitum founders launched a cryptocurrency of the same name in 2018, generating revenues of around €17 million. The coin was supposed to provide buyers with a regular return. However, it turned out to be a classic ‘rug pull’: the trio converted their shares directly into cash, the price collapsed and the unsuspecting investors lost 97% of their total capital. Although this episode has no impact on the company itself, it does not exactly inspire confidence.
I should also mention Ukraine: around 2% of the current portfolio is still tied up in Ukrainian loans. Since the start of the Russian attack, it has been prohibited to withdraw funds from Ukraine, meaning that repayment is not possible for the time being. However, Debitum has done everything in its power to recover these arrears and has already reached agreements with the lenders. I therefore cannot consider this point to be a disadvantage.
Community experiences with Debitum
Of course, I’m not the only investor who has had experience with Debitum! The opinion of the community seems to be overwhelmingly positive, which is not surprising given the 15% interest rate and zero defaults. Typical feedback looks like this:
Of course, there are also doubts and concerns, particularly regarding the medium- and long-term future prospects of the platform:
In my view, these concerns are entirely justified, but they do not (yet) preclude an investment in the coming months. Overall, Debitum appears to be on a positive course and well managed to handle the long-awaited growth. I suspect that the annual report for 2024 will already show a profit (it had not yet been published at the time of writing) and that DN will thus have successfully turned the corner.
Debitum taxes: How does taxation work?
If you make attractive profits through P2P lending, the tax office will naturally want a share. As Debitum Investments is based in Latvia, the platform initially retains 20% of your profits – this corresponds to the Latvian version of withholding tax.
But don’t worry! You can submit a tax certificate and avoid this flat-rate deduction. You then have to declare your profits as normal in your tax return and can claim allowances and other benefits as usual.
How it works:
- Click on ‘My account’ in your Debitum dashboard, then on ‘Tax residence’.
- There you will find a form that you must fill out and print.
- Scan or photograph the form and upload it to the same area of your account.
- You will also need to upload a certificate of residence. You can obtain this from your tax office once you have submitted the relevant application.
- The exemption is valid for five years (may vary depending on your country of residence).
Conclusion: Debitum seems to be the best P2P platform at the moment!
With Debitum, you can finance business loans for companies from different countries and industries. In return, you are rewarded with a return of up to 15%. This offer seems too good to be true, but it has worked excellently in the six years since it was founded.
One special feature is the asset-backed securities: DN combines several similar loans into packages. This makes investing easier, offers additional security and makes your P2P portfolio much clearer.
Thanks to its high level of transparency, strict regulation by the Latvian financial supervisory authorities and its excellent track record, DN is, in my opinion, one of the best P2P providers around.
One disadvantage is the lack of a secondary market. This means that your capital is potentially tied up for a longer period of time. If there are any defaults, the waiting time is extended even further. However, borrowers must pay a penalty interest rate, which can increase your return. Investors who want to access their money at any time are likely to have a better experience with providers such as Monefit. If you are looking for alternatives to classic business loans, we also recommend reading our review of Ventus Energy.
On the other hand, if you can afford to tie up your capital for several months and are looking for high returns with very good collateral, Debitum is the right place for you. It is therefore not surprising that DN also took first place in my current P2P platform ranking! My personal experience and the opinions of the community are overwhelmingly positive.
FAQ – Frequently asked questions about Debitum experiences
