Debitum Review
Quick Overview
Platform Age
Launch Year
Loans Funded
Total Volume
Registered Investors
Growing Community
Minimum Investment
Per Loan
-
🎯
Investment Focus
Peer-to-business (P2B) lending platform specializing in SME loans across the Baltic States and Eastern Europe.
-
📊
Expected Returns
9-16.5% annual returns with historical average of 11.44% XIRR across all investment products.
-
🛡️
Safety Features
FCMC regulatedFCMC regulated with €20,000 investor protection, 90-day buyback guarantee, and all loans backed by collateral.
-
💰
Investment Structure
Asset-backed securities (ABS) derived from pools of business loans with terms ranging from 3 to 48 months.
Standout Features
Regulated by Latvian FCMC under MiFID II
All loans secured with tangible collateral
90-day buyback guarantee with 15% penalty
Zero investor capital losses since inception
Investment Calculator
Total Investment Value
Recommended Strategy
Based on your inputs, we recommend a diversified portfolio across different business loan types to balance returns with risk protection benefits of regulation.
Our Experience with Debitum
We’ve been actively testing Debitum since September 2024, investing across various loan types to evaluate the platform’s performance, safety, and usability. Here’s what we found:
Our Test Portfolio Results
What Impressed Us
- • Strong regulatory framework with FCMC oversight
- • Consistent returns matching platform claims
- • Effective buyback guarantees with penalty incentives
- • All loans backed by tangible collateral
- • Clean track record with no investor capital losses
Room for Improvement
- • No secondary market for early exits
- • Limited loan volume at times
- • Past controversies related to DEB token origins
- • Small percentage of war-affected loans requiring restructuring
- • Mobile experience could be improved
Real-World Performance
During our six-month testing period, we distributed our €3,000 investment across different loan types:
- Low-Risk Business Loans (€1,000): Achieved 9.2% annual return, with all payments arriving on schedule.
- Baltic SME Loans (€1,500): Currently earning 13.1% with consistent monthly interest payments.
- High-Yield Business Loans (€500): Earning 15.8% annual return with higher risk but full buyback protection.
Key Observations
- Regulatory Benefits: The platform’s regulated status and investor protection scheme provide significant peace of mind.
- Investment Process: Auto-invest functions work well, though loan availability can sometimes be limited.
- Risk Management: The buyback guarantee system functions as advertised, with no capital loss experienced.
- Customer Service: Responsive support with average response time under 24 hours.
- Liquidity Concerns: The lack of a secondary market means investments are locked until maturity.
Final Opinion
Debitum stands out for its regulated status, consistent returns, and strong investor protections. The shift to asset-backed securities has improved diversification, and the platform’s clean track record on investor capital is impressive. The main drawback is the lack of a secondary market, which limits liquidity. Best suited for investors who value regulatory protection and are comfortable with medium-term investment horizons.
Platform Safety Analysis
⚠️ Key Risk Factors
- Small percentage (1.77%) of restructured assets related to Ukraine conflict
- Controversial origins as “Debitum Network” with ICO and DEB token
- Buyback guarantees dependent on loan originators’ financial health
- No secondary market means investments are locked until maturity
Regulatory Status
-
✓
Licensed by Financial and Capital Market Commission (FCMC) of Latvia
-
✓
Operates under MiFID II regulations
-
✓
Investor protection scheme up to €20,000
-
✓
SIA DN Operator with €758,000 base capital
Investment Protection
-
✓
90-day buyback guarantee on qualifying loans
-
✓
15% penalty on delayed repayments by loan originators
-
✓
All loans secured with tangible collateral
-
✓
Asset-Backed Securities structure for enhanced diversification
Platform Stability
-
✓
Operating since 2018 with established track record
-
✓
€112.5M+ total loan volume processed
-
✓
98.23% of investments either repaid or on track
-
!
1.77% of assets restructured due to Ukraine conflict
Investor Protection Features
Regulatory Protection
FCMC supervision with investor compensation scheme
Security Measures
Two-factor authentication and secure infrastructure
Risk Assessment
Strict loan origination criteria and collateral requirements
Transparent Reporting
Detailed loan information and regular performance updates
Platform Interface & Features

Main Dashboard
Clean interface showing portfolio overview and key investment metrics

Loan Listings
Detailed loan information with collateral and risk indicators

Auto-Invest Settings
Customizable auto-invest strategies with detailed filtering options

Portfolio Analysis
Comprehensive analytics showing investment performance and return metrics
⚡ Auto-Invest
-
✓
Customizable investment criteria
-
✓
Interest rate filters
-
✓
Loan term preferences
-
✓
Investment amount settings
📊 Portfolio Analytics
-
✓
Performance tracking
-
✓
Interest income reports
-
✓
Investment diversification overview
-
✓
Loan status monitoring
🛡️ Security Features
-
✓
Two-factor authentication
-
✓
Bank-grade encryption
-
✓
Session timeout protection
-
✓
Account activity notifications
Understanding Asset-Backed Securities Structure
Debitum has evolved from direct loan investments to an Asset-Backed Securities (ABS) model for regulatory compliance. Here’s how it works:
1. Pooled Investments
Multiple similar loans are bundled together into diversified pools
2. Security Creation
Securities are created based on these loan pools with defined terms
3. Investor Purchase
Investors buy these securities rather than individual loans
4. Enhanced Protection
This structure provides better diversification and regulatory protection
Notable Platform Limitations
- No Secondary Market: Unlike many competitors, Debitum does not offer a secondary market, meaning investments are locked until maturity.
- Limited Loan Volume: During certain periods, loan availability can be limited, potentially causing idle funds.
- Mobile Experience: While functional, the mobile interface could be improved for a more seamless experience.
- Currency Options: Currently limited to Euro investments without multi-currency support.
User Experience & Reviews
👍 What Users Love
-
✨
Regulatory oversight and investor protection
-
💰
Consistent returns matching platform claims
-
🛡️
Effective buyback guarantees and collateral
-
📊
Intuitive interface and auto-invest capabilities
-
💼
Focus on business loans with real collateral
👎 Common Complaints
-
⚠️
Lack of secondary market for early exits
-
⚠️
Limited loan volume at times
-
⚠️
Issues with war-affected Ukrainian loans
-
⚠️
Mobile experience needs improvement
-
⚠️
Concerning historical origin with ICO
Recent User Reviews
“I’ve been investing with Debitum for over two years now. The regulated status gives me peace of mind, and the returns have been consistent at around 11%. The lack of a secondary market is the main drawback, but the buyback guarantee works well as a safety net.”
“Solid platform with good returns and strong regulatory oversight. The auto-invest function works well, and I appreciate that all loans are backed by collateral. Would be perfect if they added a secondary market for liquidity.”
“Generally satisfied with the returns and security, but sometimes there’s limited loan inventory which leaves cash uninvested. Had some issues with a Ukrainian loan, but support was responsive. Would recommend for those who value safety over liquidity.”
Customer Support Analysis
Support is available in English, German, French, and Spanish. Most issues are resolved within 1-2 business days, with the team being particularly responsive to regulatory and security concerns.
Getting Started
Create Your Account
Register using your email address and create a secure password. The initial registration process takes approximately 2-3 minutes.
Complete Verification
Complete the KYC (Know Your Customer) process by providing identification documents and proof of address as required by regulatory standards.
Fund Your Account
Transfer funds to your Debitum account via bank transfer. Start with as little as €10 to begin investing in business loans.
Start Investing
Choose between manual selection of loans or set up auto-invest for automated portfolio diversification based on your criteria.
Account Verification
Personal Information
- ✓ Full legal name
- ✓ Date of birth
- ✓ Residential address
- ✓ Tax information
Required Documents
- ✓ Government-issued ID or passport
- ✓ Proof of address (utility bill, bank statement)
- ✓ Selfie with ID document
- ✓ Additional documents may be required for higher investments
Deposit Methods
Bank Transfer
ℹ️ Important Information
- Due to regulatory requirements, verification can take up to 48 hours to complete
- Deposits can only be made via bank transfer, with no card or crypto payment options
- Transfers must come from bank accounts in your name
- The platform requires periodic re-verification for compliance with AML regulations
- Two-factor authentication is strongly recommended for account security
Market Comparison
Platform Comparison
Feature | Debitum | Mintos | PeerBerry | Crowdpear |
---|---|---|---|---|
Maximum Returns | 16.50% | 13.00% | 12.50% | 14.00% |
Minimum Investment | €10 | €50 | €10 | €10 |
Secondary Market | ✗ | ✓ With fee | ✗ | ✓ Free |
Buyback Guarantee | 90 days | 60 days | 60 days | ✗ |
Regulation | FCMC Latvia | ECSP Lithuania | Parent Company | FCMC Latvia |
Investor Protection | €20,000 | ✗ | ✗ | €20,000 |
Investment Focus | Business Loans | Consumer & Business | Consumer & Business | Business & Real Estate |
Auto-Invest | ✓ | ✓ | ✓ | ✓ |
Top Alternatives
Mintos Most Diversified
- ✓ ECSP Licensed Platform
- ✓ Secondary Market Available
- ✓ Wide Range of Loan Types
Crowdpear Most Similar
- ✓ FCMC Regulated
- ✓ Secondary Market Available
- ✓ Real Estate & Business Focus
PeerBerry Easiest Use
- ✓ Simple, User-Friendly Interface
- ✓ Group Guarantee Structure
- ✓ Strong Track Record
🔍 Key Differentiators
- The only business-focused platform with both FCMC regulation and €20,000 investor protection
- Stronger 90-day buyback guarantee with 15% penalty for late payments
- All loans secured with tangible collateral, reducing risk profile
- Asset-Backed Securities structure for enhanced diversification
- Zero investor capital losses since inception (though 1.77% are restructured)
Tax & Reporting
Tax Documents
Annual Tax Statement
Comprehensive yearly statement showing all interest earned, dates, and transaction details for tax filing purposes. Available by January 31st each year.
Portfolio Reports
Exportable transaction history and portfolio performance reports for accounting and personal record-keeping, available in CSV and PDF formats.
Monthly Statements
Detailed monthly account statements showing all activity, interest accrued, and portfolio composition for ongoing monitoring and quarterly tax preparations.
Reporting Features
Data Export
CSV and PDF exports for accounting software
Date Filters
Custom date range reporting for tax periods
Mobile Access
Tax documents available on mobile devices
Auto-Archiving
Historical tax documents stored for 7 years
Tax Considerations by Region
European Union
- Interest income typically taxed as capital gains
- Automatic reporting in many EU countries
- VAT not applicable on P2B investments
- Tax rates vary by country (typically 15-30%)
International Investors
- No withholding tax applied by Debitum
- Self-declaration responsibility in home country
- Some countries require quarterly declarations
- Currency conversion considerations for reporting
Important Considerations
- • Tax treatment varies by country and individual circumstances
- • Asset-Backed Securities may have specific tax implications
- • Income should be reported even if below tax thresholds
- • Consult a professional tax advisor for specific guidance
Tips for Tax Efficiency
- • Download and save statements monthly for backup
- • Set aside estimated tax payments throughout the year
- • Keep detailed records of all deposits and withdrawals
- • Consider tax-advantaged accounts where available
Final Verdict
Key Takeaways
- Regulated platform with strong investor protection up to €20,000
- Attractive returns (9-16.5%) with consistent historical performance
- All loans secured with tangible collateral and 90-day buyback guarantee
- Clean track record on investor capital despite minor restructured assets
- Lack of secondary market is the main limitation for liquidity needs
✓ Recommended For
- Investors prioritizing regulatory protection and safety
- Those seeking exposure to secured business loans
- Investors comfortable with medium-term investments
- Those who value comprehensive buyback protection
- Investors looking for a regulated alternative to consumer loans
⚠️ Consider Alternatives If
- You require quick access to your investments
- You prioritize having a secondary market
- You’re concerned about past ICO controversies
- You need a more diverse range of loan types
- You want a platform with longer track record
Ready to Invest with Debitum?
🛡️ Regulated P2B Lending with Investor Protection
* Terms and conditions apply. Investment involves risk of capital loss. Past performance does not guarantee future returns. Always conduct your own due diligence before investing.
Frequently Asked Questions
Debitum is a regulated peer-to-business (P2B) lending platform that connects investors with small and medium-sized enterprises (SMEs) seeking capital. Here’s how it works:
- Investors purchase Asset-Backed Securities (ABS) derived from pools of business loans
- All loans are secured with tangible collateral for investor protection
- Returns range from 9% to 16.5% annually depending on risk level
- The platform operates under FCMC regulation with up to €20,000 investor protection
- Most loans carry a 90-day buyback guarantee with 15% penalty for late payments
Note that unlike many P2P platforms, Debitum focuses exclusively on business loans rather than consumer credit.
Debitum offers several layers of investor protection:
- Regulatory Oversight: Licensed by the Financial and Capital Market Commission (FCMC) of Latvia under MiFID II regulations
- Investor Compensation: Protection scheme that covers up to €20,000 per investor in case of platform insolvency
- Collateral Backing: All loans are secured with tangible assets such as real estate, equipment, or invoices
- Buyback Guarantee: 90-day buyback guarantee with 15% penalty on late repayments
- Track Record: No investor capital losses since inception (though 1.77% of assets are restructured due to Ukraine conflict)
While these protections are robust, all investments carry risk. The absence of a secondary market means investments are locked until maturity.
Debitum’s buyback guarantee works as follows:
- If a loan is more than 90 days late, the loan originator automatically repurchases it
- Investors receive 100% of their principal investment back
- Accrued interest up to the 90-day mark is also paid
- Additionally, a 15% penalty is imposed on loan originators for late payments, creating a strong incentive for timely performance
- The process is automatic and requires no action from investors
Note that the buyback guarantee depends on the loan originator’s financial capability. While Debitum carefully vets its loan originators, this represents a counterparty risk.
Getting started with Debitum involves these steps:
- Registration: Create an account with your email address and set a password
- Verification: Complete the KYC process by providing ID documents and proof of address
- Funding: Transfer funds to your account via bank transfer (minimum €10)
- Investment: Either set up auto-invest or manually select loans to invest in
The verification process typically takes 24-48 hours, depending on document quality and volume. Once verified, you can begin investing immediately after your funds arrive.
Note that due to regulatory requirements, all bank transfers must come from an account in your name, and you may need to periodically re-verify your identity.
Debitum has demonstrated consistent performance since its inception:
- Average historical XIRR (Internal Rate of Return) of 11.44%
- 98.23% of all investments are either repaid or on track for repayment
- Only 1.77% of assets have required restructuring (related to Ukraine conflict)
- No investor capital losses reported over the platform’s operating history
- Buyback guarantee has been successfully activated in cases of late payments
While past performance is not a guarantee of future results, the platform’s track record has remained stable through challenging economic conditions and geopolitical events.
Debitum Video Review
Watch our in-depth review of Debitum, covering platform features, safety measures, investment strategies, and real-world performance.
Listen to Our Debitum Review
Listen to our audio summary of the Debitum review while browsing or on the go. Duration: 2:31
Why listen? Get the key highlights of our in-depth Debitum analysis including returns, risks, and who this platform is best suited for.