Debitum Network Review

Earn on average 9.01% interest per year.
Your investment is secured by a buyback guarantee.

get 1% + €10 bonus
  • Invest P2B loans secured by buyback and collateral
  • First minimum deposit €500
  • Excellent monitoring of your assets
  • One of the most user-friendly platforms
Risk & Return
Buyback GuaranteeYes
Auto InvestYes
Secondary MarketNo
Min. Investment€50
Loan Originators9
Loan TypeBusiness
Loan Period1-15 months
Interest7% - 9.5%
  • Secured business loans
  • Interest during grace period
  • Intuitive investment platform
  • Lower returns
  • Limited diversification
  • No instant withdrawals
_Risk & Return
_Due Diligence

Debitum Network Review

Debitum Network is a Latvian P2B lending marketplace. You can invest in business loans, backed by a personal guarantee, collateral, or a buyback guarantee. Since 2018 more than 6,500 investors earned over €120,000 by investing on Debitum Network. Is Debitum safe? Find out in our Debitum Network review.

debitum network review

⭐ Learn more about our rating criteria

Debitum Network News

Last update: 24/03/2021
  • 22/03/2021 - Martins Liberts, the founder of Debitum is joining our P2P talk

📧 Stay up to date with our newsletter

Find out more about our experience with Debitum Network:

Debitum Network in Numbers

Debitum Network does not have any publicly-available statistics on their website, so we reached out to the team to find key metrics you should be aware of before investing on this P2P platform.

Debitum Network Statistics
Year founded:2018
Investor's earnings:+ €120,000
Total loan value:+ €36 M
Number of investors:+ 6,500
Loss of investors' money:0%
Average portfolio size:€1,157
Latest financial report:Report for 2019

Luckily, Debitum Network’s customer support is very responsive. We received a detailed answer to our questions within a few hours.

So, let’s dive into the stats:

Debitum Network was launched in 2018 which makes it a rather new P2P lending platform when compared to Bondora or Mintos, which are much older and bigger.

The average size of investors’ portfolios is also much smaller than that on platforms like Swaper and Viainvest.

Debitum Network Bonus

If you’ve invested on a P2P lending platform before, you might be familiar with their cashback bonuses. Usually you can use a special promo or referral code to receive a sign-up bonus. Often you’ll need to deposit and invest a certain amount of money to claim your bonus, and this is also the case with Debitum Network.

€10 Cashback Bonus

If you sign up to the Debitum Network platform with our referral link and invest a minimum of €250 you'll receive a bonus of €10. Note that the bonus will be only added to your account if you leave the money invested for a period of 90 days.

But that's not all..

1% Cashback Bonus

New investors are able to receive 1% cashback bonus on your first investments over €1,000 in assets with a loan duration of at least 90 days.

You do not need a referral code to receive your bonus; simply register with our referral link.

debitum network bonus

Ready to invest on Debitum Network?

Debitum Network Requirements

You can sign-up on Debitum Network as a private investor or as a company. The only requirements are that you’re over the age of 18 and you have a bank account in your name.

During the registration you'll need to provide:

  1. Copy of your ID or passport
  2. Information about your financial situation
  3. Email address

Transfering Funds

You need to pass the verification process in order to transfer funds to your account. Debitum Network accepts funds only in EUR. We suggest using bank transfer as there are no fees connected to SEPA payments.

No EUR bank account? No problem

  • 💳 Open a free N26 bank account
  • 💳 Open a free Wise bank account

Deposit only €500 and start earning interest right away!

Risk and Return

Investing in loans is risky.

When evaluating P2P lending platforms, we always look at the securities provided by the borrowers, loan originators and the platform itself.

Debitum Network offers investments in business loans and invoice financing, and it’s worth noting that some of the loans pay out the interest at the end of the loan term. This is at least often the case with business and real-estate loans.

All the loans on Debitum Network are secured by some kind of collateral, but the type of collateral varies depending on the individual loan.

Collateral comes in the form of:

  • property
  • business or personal guarantee
  • promissory notes or invoices
  • inventory
  • company stocks

You can view the individual securities when you click on the loan within the lists of assets (available investments).

debitum network assets

Loan Originators

Unlike Crowdestor and Flender which list direct deals, Debitum Network collaborates with loan originators.

Debitum is therefore a P2P marketplace or better P2B (peer-to-business) marketplace.

Those loan companies are handpicked and closely monitored by Debitum Network.

In fact, Debitum Network claims to vet their applicants so thoroughly that only 10% are accepted to list their loans on the platform.

Working with loan originators will bring additional risks to your investments which are hard to evaluate from your perspective.

Debitum Network collaborates with twelve loan originators at the moment:

  • Chain Finance from Lithuania
  • Factris from Lithuania
  • Mikro Kapital from Romania
  • Trade backing from Latvia
  • Cardec Factoring from the Netherlands
  • Triple Dragon from the UK
  • Factris from Latvia
  • Noviti Finance from Latvia
  • Vihorev Investments from Czech Republic
  • Flexidea from Latvia
  • Cube Funder from the UK
  • Evergreen Capital from Estonia

If you want to get more information about each loan originator, just head to the loan originator section at the footer of the platform and select the company you’re interested in.

Note that availability of loans from individual loan originators is subject to change.

debitum network loan originator

So what's so special about Debitum Network?

In fact, Debitum Network is the only P2P lending site, that was able to spot poor performance of a lending company and act on it before it went out of business. This cannot be said about Viventor or Mintos.

The protection of your P2P investments is Debitum's top priority.

The platform's biggest strength is the monitoring of their loan originators. Debitum uses third-party risk assessors such as Scorify, Coface and CRIF as well as their own internal analysis to review and monitor the performance of your investments.

Buyback Guarantee

The majority of loans listed on Debitum Network are protected by a buyback guarantee that is provided by the loan originator.

How does Debitum Network’s buyback guarantee work?

If the borrower is late with the loan payment by more than the agreed number of days (which is usually 90), then the loan originator repurchases your claim against the borrower for the remaining principal, alongside the outstanding interest.

Additionally, if the loan repayment is late by more than the grace period (which is typically 15 days), you are eligible to receive a penalty rate on top of the interest.

Meaning the buyback guarantee covers loan principal, accrued interest and late penalty fee.

debitum network buyback

All the loans are secured by some additional collateral, which means that the risk for you should, in theory, be lower than investments in unsecured personal loans on platforms like Mintos, PeerBerry or Robocash.

"All investor funds are secured by our partnership agreement as we always take claim, pledge or security against the loan originator in favor of the platform. So all investor funds are secured at least 2X of their value of the platform. Additionally, we limit the loan originator via ratios." - Debitum Network

While this is all really promising, there are downsides to investing on this platform.

Debitum Network usually lists loans with an interest of 8-12%, and a loan term up to two years, and as we conduct this review, you can only find loans with interest of 7 to 9.5% per year. This figure is much lower than most P2P platforms at the moment.

As we’re sure you’re well aware: lower risk often results in lower returns. That’s something you should always keep in mind when investing in P2P loans.

Is Debitum Network Safe?

You should do your own due diligence when choosing a new P2P lending platform.


Well, you only have to look at the short-lived platforms Kuetzal and Envestio to see what can go wrong when you don’t do your research...

We dug a bit deeper than most financial bloggers when doing our Debitum Network due diligence, and this is what we found:

Who owns Debitum Network?

Debitum Network is founded by three Co-Founders Martins Libert, Donatas Juodelis and Justas Šaltinis.

All of them are connected to the Latvian factoring company Factris, which acquired another invoicing company Debifo back at the beginning of 2019.

Debifo was actually also one of the loan originators listed on Mintos. You can view their old financial reports, before the acquisition with Factris, here.

Martins is still the Director of Inntec which is a software company that helped build the technology for the P2P lending platform Debitum Network.

According to the Latvian business registry, both companies Factris and Inntec are located at the same address and neither have any security debt.

According to the LinkedIn profile of the two co-founders Donatas Juodelis and Justas Saltinis, they are no longer active in the development of the Debitum Network.

The third co-founder Martins Liberts is popular for its interviews and talks about blockchain within the finance industry.

Who leads Debitum Network?

Sergei Demchuk has joined Debitum Network as the company’s new CEO in November 2019. Sergei graduated from the Kharkiv University in Ukraine.

He has worked 3 years in Swedbank as a Credit Portfolio Manager. Later he became the CEO of Mikro Kapital, where he was in charge of the development of the company’s lending services in Russia and Asia.

Are There any Suspicious Terms & Conditions?

Debitum Network gives you the opportunity to view their terms and conditions as well as the assignment agreement before signing up.

We had a look through the contract to see if we could spot any red flags. Here is a quick overview of what we've found:

NB: While we have read many P2P lending contracts, and we’re experts in this field, it’s worth noting we’re not trained in law and we don’t provide any financial or legal consultation.

Clause 10.11. - Deduction of Your Funds
debitum decrease funds

The above clause is vague. We’re not sure under which circumstances a user would cause loss to the platform, to other users and originators.

Clause 10.3. - Risk of Default

As expected, the terms include a clause to warn you that they could lose all of their invested funds.

debitum network risk
Clause 4.6. - Storage of Funds

A rather positive clause is 4.6., where Debitum Network clearly explains that users’ funds are saved on segregated bank accounts. In case the platform goes out of business, you should be able to access their funds as they aren’t connected to the company.

debitum network funds
Clause 14.3 - T&C cannot be changed without prior notice

If you have read our guide about how to not get scammed by P2P lending platforms, you know that reserving the right to change the T&C without prior notice is a big RED FLAG.

Luckily Debitum Network isn't one of those platforms. The P2P lending site gives you 10 days to review and accept the new terms and conditions.

In fact, Mintos has the exact same setup when it comes to changing T&C. Unfortunately Mintos isn't very good in honoring it.

debitum network terms

Curious about what else we look at when conducting our research?

With our ✅ Due Diligence Checklist workbook you will be able to spot red flags 🚩 and protect your investment.


Protect Your Money!

Potential Red Flags

  • Currently we are not aware of any red flags
Learn more about possible red flags here.

What's our opinion about Debitum Network?

We have started testing Debitum Network since spring 2020. Our investment on the platform has always performed well and we did not experience any defaulted loans.

The platform does an excellent job in monitoring the performance of their lending companies.

Based on our recent conversation with Debitum's founder Martins Liberts, we are convinced that Debitum Network is a good fit for P2P investors who are looking to invest in secured business loans.

Do you enjoy this review? Invite us for a coffee ☕

Debitum Network’s Usability

Debitum Network's platform is very easy to use.

The platform gives you the choice to invest manually or with the help of the Auto Invest tool.

Manual investments will allow you to find out more about the loan characteristics, while the Auto Invest enables you to automate your investment strategy.

Auto Invest

Debitum’s Auto Invest tool gives you three predefined investment strategies ranging from 7.82 - 8.58% average interest.

debitum network autoinvest

We typically don't use any predefined settings on any P2P platform.

On Debitum Network you can also define your Auto Invest settings by yourself by choosing from the following criteria:

  • Credit score
  • Interest rate
  • Loan originator
  • Currency
  • Portfolio size
  • Investment amount per asset
  • Option to invest multiple times in one asset
  • Option to reinvest your returns

Our Debitum Auto Invest Strategy

Before you set up your Auto Invest, we highly recommend browsing through the loan originators and get familiar with their business model.

You should look at the markets they operate and the type of investments they are funding. Debitum Network also informs you whether your investment is protected by a pledge or surety rather than only a buyback guarantee.

An interesting metric is also the ratio between the total outstanding loan portfolio as well as the outstanding loan portfolio on Debitum Network. This metric will tell you whether the loan originator also uses different sources of funding rather than relying only on Debitum Network.

Ideally you go one step further and read the Debitum Network’s evaluation of every loan originator.

You will find this PDF file under the loan originators section. Note, that this isn’t available for all loan originators. Within the risk evaluation we are looking primarily on the following three metrics.

  1. Skin in the Game (how much does the loan originator invest from their own funds)
  2. Net profitability
  3. Default rate in the last 12 months
debitum network analysis

How We Invest on Debitum Network

On Debitum Network you can invest only in a few loan originators, which makes the research of every loan provider rather fast.

Here are our quick notes:

Included Loan Originators

  • Triple Dragon - high availability of assets, promising business model, secured by a pledge, more than 70% skin in the game, 0% default rate, profitable
  • Noviti Finance - high availability of assets, solid track record, secured by pledge, skin in the game 32%, low default rate (only 2.5%), profitable
  • Factris LT - profitable, default rate only 0.02%, fast debt collection, skin in the game 15%
  • FLEXIDEA - short assets, skin in the game 78%, high availability of loans
  • Mikro Kapital Romania - long track record (founded in 2008), profitable company, skin in the game 14%

After our quick research we decided to go with the above mentioned three loan originators.

Our Auto Invest Settings

The availability of loans from those lending companies varies constantly, which is why we have defined one Auto Invest portfolio that includes all the loan from those lending companies.

debitum network autoinvest
  1. We chose to invest in loans with a credit score from A+ to C
  2. Interest rate range remained unchanged in order to invest in all assets and not further limit the number of assets that match our criteria
  3. We invest in five loan originators
  4. We set the maximum loan term for 180 days
  5. We included only assets with the buyback option
  6. We set up our minimum to €50 and maximum investment amount to €100 to avoid cash drag
  7. We exclude assets that we have already invested in (not doing so might harm the diversification)

Note, that this strategy is our personal preference according to the information we have available. Debitum Network is known for their very conservative risk assessment which is also why the risk of losing any money is much lower than on other platforms.

Debitum's ICO and the DEB Token

More experienced investors know, that Debitum Network has participated in an Token Generation Event. The platform sold DEB Tokens (utility tokens) to contributors. The funds from this fundraising event were used to build the platform and expand the business.

According to Debitum’s white paper, the platform aimed to solve the credit gap for SMEs. The founder confirmed that the platform still follows this goal.

If you want to learn more about the ICO as well as about the utility plans for the DEB token, we suggest watching our entire P2P talk.

How Fast Can You Withdraw Your Money?

Before signing up to a platform, you should be aware of how long it would take to withdraw your entire portfolio.

While Mintos or Bondora offer you great liquidity with their Invest and Access or Go and Grow products during normal market conditions, most platforms don’t.

So, how does it work on Debitum Network?

Well, for starters, there’s no secondary market on Debitum Network that would allow you to sell your investments to other investors.

Unless you have enough DEB tokens to liquidate your investments.

Instead, you can only withdraw your money from the platform if you’re at the end of the loan term, you receive early repayment or if the buyback guarantee kicks in.

The loan period on Debitum Network ranges from only a few days to up to two years, and two years is quite a long time to wait if you want to withdraw your money earlier than initially planned.

To increase the liquidity of your portfolio, simply limit the loan period to 180 days as we did in our Auto Invest strategy.

Having no access to early withdrawals should not be a k.o. criteria, as most your goal as a P2B investor should be to invest long-term on Debitum Network.

Debitum Network’s Customer Support

Debitum Network has an extensive FAQ section that will answer most of your questions. If you can’t find the answers, you can reach out to them via email

In fact, we tested the support of Debitum Network on several occasions. The support is very responsive when it comes to answering questions regarding the usage of the platform.

Addressing more in-depth questions, takes more time.

Debitum Network Review Summary

Debitum Network is an interesting P2B marketplace that is very easy to use. The performance of Debitum's loans is better than on many other peer-to-peer platforms. Our experience with Debitum has been positive so far. The platform is in the final stage of acquiring an Investment Brokerage License and become regulated.

Main takeaways from our Debitum Network review:

  • Excellent due diligence and monitoring of lending companies
  • Easy to use platform
  • Suitable for conservative investors
  • Transparent communication

If your goal is to invest long-term with a P2B marketplace that puts your interests first, you will be very happy with Debitum Network.


Is Debitum Network safe?

According to Debitum’s customer support, so far none of the P2P investors ever lost any money. All the delayed loans were repurchased by the loan originators.

Is there a sign-up bonus for new investors?

New investors on Debitum Network, that sign-up with our referral link and invest at least €250 over the period of 90 days will receive a €10 sign-up bonus.

Does Debitum Network offer a buyback guarantee?

Most of the loans on Debitum Network are secured by a 90-day buyback guarantee. Investors will receive the remaining principal, penalty fee as well as the accrued interest.

How do I invest on Debitum Network?

If you are over 18 years old and hold a European bank account, you can register on Debitum Network. During the registration process, you will need to answer a few questions and verify your identity. Then, you can start investing with as little as €50 in a single loan!

Company Information
Company:SIA DN Operator
Address:Lacenu iela Kadaga, LV-2103, Latvia
Phone:+370 520 75 742
Live Chat:Yes
Opening Hours:Weekdays from 9AM to 6PM
Social Media:Facebook, Twitter, LinkedIn