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Michael Sterling

Senior Investment Advisor & P2P Lending Expert at Smart Lending Hub

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FCMC Regulated
9-16.5% Returns
90-Day Buyback

Debitum Review

Last Updated:
15 min read
11.44 %
Avg. Returns
€10
Min Investment
18K+
Registered Investors

Quick Overview

Data and statistics last verified:

Platform Age

2018

Launch Year

Loans Funded

€112.5M+

Total Volume

Registered Investors

18,000+

Growing Community

Minimum Investment

€10

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

years

Total Investment Value

€8,307.43
After 5 years
€7,000
Total Invested
€1,307.43
Total Earnings
18.68%
Total Return
€21.79
Monthly Interest
💡 Estimated returns shown before tax. Tax rates vary by country and personal circumstances.

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

€3,000
Test Investment
11.2%
Average Return
6 Months
Testing Period
👍

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

Risk Level: Low 20%
  • 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

Risk Level: Low 30%
  • 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

Risk Level: Medium 50%
  • 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

Debitum Dashboard Interface

Main Dashboard

Clean interface showing portfolio overview and key investment metrics

Loan Listings Screen

Loan Listings

Detailed loan information with collateral and risk indicators

Auto-Invest Setup Screen

Auto-Invest Settings

Customizable auto-invest strategies with detailed filtering options

Portfolio Analysis Screen

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

Trustpilot Score
4.1/5
★★★★☆
Based on 290+ reviews
Customer Satisfaction
88%
Based on user surveys
Support Response
24h
Average response time

👍 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

Thomas M. February 2025
★★★★★

“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.”

Maria K. January 2025
★★★★☆

“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.”

Robert J. December 2024
★★★☆☆

“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

24 Hours
Average Response Time
Email & Ticket
Support Channels
4 Languages
Support Available
85%
Resolution Rate

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

1

Create Your Account

Register using your email address and create a secure password. The initial registration process takes approximately 2-3 minutes.

2

Complete Verification

Complete the KYC (Know Your Customer) process by providing identification documents and proof of address as required by regulatory standards.

3

Fund Your Account

Transfer funds to your Debitum account via bank transfer. Start with as little as €10 to begin investing in business loans.

4

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

No fees for deposits
1-3 business days processing
SEPA transfers supported
Minimum deposit: €10

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

FeatureDebitumMintosPeerBerryCrowdpear
Maximum Returns16.50%13.00%12.50%14.00%
Minimum Investment€10€50€10€10
Secondary Market With fee Free
Buyback Guarantee90 days60 days60 days
RegulationFCMC LatviaECSP LithuaniaParent CompanyFCMC Latvia
Investor Protection€20,000€20,000
Investment FocusBusiness LoansConsumer & BusinessConsumer & BusinessBusiness & Real Estate
Auto-Invest

Top Alternatives

Mintos Most Diversified

13.00%
Max Returns
€50
Min Investment
  • ECSP Licensed Platform
  • Secondary Market Available
  • Wide Range of Loan Types

Crowdpear Most Similar

14.00%
Max Returns
€10
Min Investment
  • FCMC Regulated
  • Secondary Market Available
  • Real Estate & Business Focus

PeerBerry Easiest Use

12.50%
Max Returns
€10
Min Investment
  • 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

4.3 /5.0
Overall Rating

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 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.

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