Debitum
Latvia · Business · Founded 2018
Our score
Average return
11.5%
platform average
Our verdict
Debitum is the most useful diversifier in this table because it is not consumer credit. Business loans to small European companies respond to a different economic cycle than short-term consumer lending, which is exactly what most P2P portfolios are missing. It holds a Latvian investment brokerage licence, publishes asset-level detail, and has operated without incident since 2018. The trade-off is liquidity: there is no secondary market and business loan terms are longer.
What works
- Business lending rather than consumer credit — genuine diversification from the rest of a typical P2P portfolio
- Licensed investment brokerage firm in Latvia, an unusually strong regulatory footing
- Detailed asset-level disclosure including the borrowing company
- No history of buyback delays since 2018
What doesn't
- No secondary market and longer terms, so capital is committed for longer
- Smaller loan supply means cash can sit uninvested
- Business loan defaults are lumpier and less predictable than consumer defaults
- Fewer originators, so concentration risk within the platform is real
Who this is for
Investors who already hold consumer-credit platforms and want exposure that does not fail at the same time as the rest of the portfolio.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: debitum.investments · Sep 18, 2026 · Licensed and supervised by the Central Bank of Latvia under MiFID
This platform blocked our automated check, so this figure is carried over from the previous reading rather than confirmed today.
Terms & conditions tracker
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