globe icon
Available for EU residents


Updated | 09. May 2024

globe icon
Available for EU residents
shield icon
Secured bybuyback
chart icon
Earn on average (Per Year) 12%


Chosen 121 times

tested badge
Tested Platform
  • Invest in consumer loans

  • Regulated platform

  • High yield

  • Questionable business practices

Risk & Returnnumber of stars
Usabilitynumber of stars
Liquiditynumber of stars
Supportnumber of stars
checked iconBuyback Guarantee
checked iconAuto Invest
checked iconRegulated
closed iconSecondary Market
closed iconCashback
Min. Investment 50
Loan Originators2
Loan Period in Months6 - 24
Loan TypeConsumer



calendar image

Year founded:


arrow image

Investors' earnings:

€ 12M

wallet image

Outstanding portfolio:

€ 58M

arrow down image

Loss of investors' money:

Not available

user image

Number of investors:


graph image

Average portfolio size:

€ 3.152

document image

Funds in recovery:

Not available

    Table of contents

Table of contents

VIAINVEST Review Summary

VIANVEST is a regulated platform offering investments in asset-backed securities, which generate an annual yield of 12%. The platform is suitable for investors willing to invest in consumer loans from Sweden, Czech Republic or Latvia. P2P Empire rates the platform 3.5/5 as the company doesn't always act in the best interest of the investors. 

Key Takeaways From Our VIAINVEST Review:

  • High availability of loans
  • Regulated platform
  • High interest rates


VIAINVEST is a Latvian peer-to-peer (P2P) lending platform that lists unsecured personal and business loans backed by a buyback guarantee. Investors can earn up to 12% interest annually by investing in asset-backed securities. Learn more about the platform in our VIAINVEST review.

viainvest review


  • No cash drag
  • 12% interest rate


  • Not always acting in the best interest of investors
  • Outdated design
  • Exposure to markets with higher regulatory risks

What's Our Opinion Of VIAINVEST?

Overall, our due diligence did not yield any suspicions. The platform’s T&Cs are straightforward and fair compared to what we have read on other P2P platforms. This gives you solid legal ground in case you should ever need it.

We have extensively tested VIAINVEST in the past, but the platform's usability and lack of liquidity didn't yield the best experience.

As the platform transitioned from offering investments in claim rights to loan securities, they disabled the buyback guarantee, essentially locking up investors in credit lines extended for over two years. As of May 2024, VIAINVEST repaid 60% of the outstanding credit lines from investors who invested in those loans in 2021. The platform plans to repay 100% by the end of June 2024.

While it took over two years to resolve this issue, the experience clearly shows that the platform prefers to protect its interests over the interests of investors. Investors have also reported that their auto-invest settings were amended without their consent during the transition, which was only one of the frustrations that investors had to face. 

The VIAINVEST platform offers an outdated user interface with no performance-oriented information about the lender's loan book quality. This gives little to no insights for investors who want to invest in high-quality loans.

While the platform is regulated and offers plenty of investment opportunities in consumer loans, primarily in Latvia and Sweden, with a loan duration of at least 180 days and a 12% interest rate, there are certainly better platforms in the space that offer a modern interface without the hassle of providing tax certificates.

So far, the platform has not caused any losses to investors. If you decide to invest on VIAINVEST, you should expect that any unordinary event related to regulatory changes may negatively affect your liquidity or risk on the platform. 

⭐ Learn more about our rating criteria

📧 Stay up to date with our newsletter

User Requirements

To invest on VIAINVEST, you need to meet the following requirements:

  • Reside in Europe
  • Have a European bank account
  • Be over 18 years old
  • Fill out the appropriateness questionnaire

No EUR bank account? No problem

  • 💳
  • 💳

The minimum investment amount on VIAINVEST is only €50, and you can use SEPA transfers to deposit funds to your VIAINVEST investor account.

Please note that the transfer to your bank account might take up to two days. Make sure to upload a copy of your ID in compliance with the KYC (know your customer) regulations. This is especially important when withdrawing money from VIAINVEST.

VIAINVEST also allows you to register as a business if that’s what you want.

Risk and Return

Awareness of the risks of investing in a particular P2P lending platform is essential. As an investor, you should be mindful of the protection scheme for your investment.

Investing in ABS

VIAINVEST is a regulated investment firm, meaning you won't invest in assignment agreements or claim rights but in asset-backed securities. 

An asset-backed security is a financial instrument comprising a bundle of loans with similar characteristics. 

There are no substantial benefits for investors investing in ABS instead of loans. The risk of a particular investment in a bundle of loans remains the same.

Unsecured Consumer Loans

On VIAINVEST, you primarily invest in consumer loans with a loan duration of at least 180 days. Most of the listed loans originated in Latvia and Sweden. 

viainvest loan originators

According to the Key Information Sheet that VIAINVEST provides to its investors, this financial product is 5 out of 7 on the risk scale, which is a medium-high risk class. This rates the potential losses from future performance at a medium-high level and poor market conditions will likely impact the capacity of borrowers to repay the loans.

Buyback Obligation

According to VIAINVEST, if the borrower fails to repay the loans for more than 60 days, the loan originator will repurchase the loan from the investors and repay the principal and the interest. Based on our experience with VIAINVEST, we can confirm that any offered buyback obligation from this platform isn't a reliable protection scheme. VIAINVEST has previous disabled the buyback obligation for credit lines which were extended for over two years. 

20% Tax Deduction

As a regulated investment firm, VIAINVEST is legally obliged to deduct 20% tax from your earnings on the platform. The tax rate can be deducted to 10% or 0% depending on the country where you are a tax resident. 

To apply a lower tax rate, you must upload a verified tax certificate in your profile settings. Click here to find out which tax rate applies to you upon submission of the tax certificate.

If your country has a double-taxation agreement with Latvia, the taxes you pay in Latvia will be deducted from the taxes you owe in your country. That way, you won't be taxed twice. 

For further details, consult a certified tax advisor in your area.


VIAINVEST has been around since 2016. The platform is operated by its parent company VIA SMS Group, a profitable lending company operating in five European countries. VIA SMS Group was founded in 2009.

We at P2P Empire conduct our due diligence about the team and the platform’s terms and conditions to better understand our legal rights and the people managing our investments.

Who Runs the Company?

VIAINVEST is run by Eduards Lapkovskis, also a Member of the Board at VIA SMS Group, the parent company of the VIAINVEST investment platform. On VIAINVEST’s website, Eduards is also listed as a Member of the Board for the VIAINVEST platform. According to his LinkedIn profile, he supervises all business processes, financial planning, and decision-making.

Eduards has been with the company since 2010, and he has worked for several years in the banking industry in Russia.

Who’s the Company’s Legal Owner?

VIA SMS Group’s main shareholder and co-founder is Deniss Sherstjukovs, who is also involved with day-to-day business and product development.

Our research found that there is also a second shareholder, Georgijs Krasovickis, who also happens to be a Board Member.

Are There Any Suspicious Terms and Conditions?

Having a look at the T&C should be part of your due diligence. VIAINVEST’s user agreement is only 15 pages long, so it shouldn’t take too long to wrap your head around the most important clauses. Here is a summary of our research.

Clause 4.6 - Storage of Funds

Your uninvested funds on the platform are stored in separate bank accounts and do not belong to VIAINVEST’s property.

viainvest terms

This gives you good legal ground in case you encounter any withdrawal difficulties. Section 4.4, VIAINVESTs claims that the company shall process your withdrawal request within two business days.

Clause 13.2.3 - Liability

P2P lending isn’t risk-free, and the P2P lending marketplace VIAINVEST isn’t liable for any losses from investing on the platform.

This is a standard clause that’s used by every P2P lending site. Please educate yourself about the risks and business model of the investment platform and evaluate whether the returns are worth it before signing up and investing your money.

Clause 9.1.3 - Amendments

VIAINVEST is entitled to unilaterally at any time amend and supplement the
valid order execution procedure without notifying the Customer.

Potential Red Flags

  • VIAINVEST can amend the terms anytime without notifying the users
  • The platform has removed the "initiate buyback" button from its credit lines 
  • VIAINVEST has amended the Auto Invest settings for investors without prior consent
  • The buyback obligation is not always being honored
Learn more about possible red flags here.


The P2P platform consists of valuable and essential features that you might already be familiar with if you invest on other P2P lending sites.

You can either invest in available loans manually or automate your investments based on your preferences.

Auto Invest

This platform’s Auto Invest tool is a great feature you are most likely already aware of. Setting up your Auto Invest on VIAINVEST is simple and will only take a few minutes.

You can choose between various settings aligned with your investment strategy. Note that the availability of loans from specific loan originators depends on market conditions. 

viainvest autoinvest

In 2024, the minimum investment per asset-backed security is €50. 


If you want to withdraw your money from VIAINVEST, you’ll need to wait until the end of the investment period, as there is currently no secondary market for selling your investment. As most of the loans listed on the platform come with six months, you should expect to be unable to access your funds for at least six to eight months.

If liquidity is important to you, investing on platforms that list short-term loans is currently the best solution.

Products such as Bondora's Go and Grow, which promise high liquidity, aren't always reliable, and using them will often expose you to higher risk.

Customer Support

VIAINVEST’s customer support is very responsive; whenever we’ve contacted them, we receive an answer within a few hours.

You can reach the customer support team via their website’s live chat or email at You can also call them at +371 66102939 on weekdays from 8 a.m. to 5 p.m. (Fridays until 4 p.m.).

VIAINVEST Alternatives

While VIAINVEST eventually resolved most of the critical issues that caused investors a lot of frustration in the past few years, it may not be the best platform if you are looking for a hassle-free investment experience. Some of the following platforms may be more reliable options.


Esketit is a Latvian-based P2P lending marketplace owned by the founders of AvaFin, an established lender in Europe. The platform has been operating for several years without any issues. Investors can invest in a broadly diversified lending portfolio, earning up to 11% annually. Esketit offers automated investment strategies that enable investors to exit a portfolio quickly rather than wait until the end of the loan period. Read our Esketit review to learn more about the platform.


PeerBerry is considered the most sustainable platform in the industry. Thanks to the company's group guarantee, more than 94% of the war-affected loans from Russia and Ukraine were repaid. This is not even close to what other companies such as TWINO, Debitum or Mintos repaid to its investors. While the loan availability can be low on PeerBerry due to the high demand from investors, it's certainly a platform to consider if the protection of your funds is essential to you. Learn more about PeerBerry in our PeerBerry review.


Crowdpear is a regulated Lithuanian platform offering mortgage-backed investments. It's run by the team behind PeerBerry, and so far, the platform has not experienced any defaulted loans, which means that the terms and conditions are being honored. You can earn up to 12% by investing in secured loans. Learn more about this platform in our Crowdpear review.


arrow image


VIAINVEST is a legitimate and regulated Latvian P2P lending platform offering investments in loans from the VIA SMS Group.

arrow image


While VIAINVEST offers a 60-day buyback obligation, this protection scheme has not always been honored. Investing on VIAINVESt is connected to certain risks that can lead to the loss of your capital.

arrow image

Does VIAINVEST offer a referral code?

VIAINVEST doesn't offer any bonuses or referral codes to our readers.


  • Company:
  • Legal Address:
  • 13. janvara iela 3, LV-1050, Riga, Latvia
  • Office Address:
  • Email: