Debitum Network review shows that it is a Latvian-based peer-to-peer lending (P2P) marketplace that connects small businesses, investors and service providers - risk assessors, insurers, debt collectors. The platform is decentralized as information and services are provided by independent and professional 3rd parties.

Debitum Network was established in 2018. At Debitum Network asset backed loans are provided instantly by loan originators to small and medium businesses. This allows investors to earn from day one. Professional service providers from the local market analyze provided loans and set initial credit score that is updated continuosly. This provides investor with up to date and independent information. So far, over 1330 registered investors have benefited from Debitum Network putting their trust and hard-earned money into this platform. More than 1,955,000 of loans for businesses have been already funded through Debitum Network.

Key facts about Debitum Network

Estimated annual returns: 9.49%

Launched: 2018

Autoinvest: YES

Loan security: Business guarantees

Provision fund: Yes

Registered investors: 1334 in January 2019

Buyback guarantee: For all types of loans

Minimal investment: €10

Time to become invested: Varies on loans availability

Time needed managing: Low

Regulation: No

Country of operation: Latvia

Defaulted loans: 0%

Borrowers verification: By the loan originators

Accepted currencies: EUR, USD, Cryptocurrencies

Accepts investors from: All countries

The Debitum Network Review: Pros and Cons


- All loans secured by Buyback guarantee
- Strong underwriting team
- Less than 2% default rate and no late loans for more than 60 days
- Auto invest tool
- Large loan book
- Creditor companies of the group specialise in short-term loans (PDL)
- Competitive lender returns rates
- Fast ID verification up to 2 working days


- Young P2P platform with half a year of traction


Mintos, Grupeer, Viventor, PeerBerry

Debitum Network Review: what I have experienced so far

Firstly, some words about opening account in Debitum Network. For me it was easy process, all I needed was to click fill your personal data and that’s it. Later you have to upload your ID card copy to Debitum Network’s dashboard and wait for confirmation.

Add funds to Debitum’s account also is enough easy and platform has a wide selection of alternatives to do that. I personally search for P2P platforms that have BuyBack Guarantee and provide short term loans (as I do not want to lock my capital for 3-5 years). I like that defaults at Debitum Network are lower than 2%. It means they have a decent risk scoring models. Some of the P2P platforms operating in Europe (especially in personal debt financing) have higher than 30% defaults ratio. So, in my opinion it outperforms other players in this sector.

Some of the investors can say that Debitum Network does not have a long traction and are a new players in this sector. And yes, that is correct. However, the platform has a core team that has more that 10 Years of experience in financial markets and it is a matter of time when the platform will start growing.

I always emphasize that returns should not be the key factor once you decide to where to invest. The most important is how the platforms evaluate the borrowers.
Debitum Network seems to have a decent team, good risk scoring model and a deep understanding about the financial markets. Plus they have BuyBack guarantees where loans are backed by operating businesses.