What is Viventor?

Viventor is a peer-to-peer lending marketplace that offers investments in a wide range of loans, differentiated by type, country and originator.

In Viventor, we believe in a more efficient, transparent investor-borrower relationship by excluding odd, inefficient intermediaries from the equation.

What is peer-to-peer lending?

Peer-to-peer lending is one of the pillars of alternative finance.

Developing throughout the last decade, peer-to-peer lending is based on the latest technologies and in most cases takes place on a web platform.

It is a substantial improvement in comparison with the old model of financing, allowing all involved parties to reach more favorable terms.

How can peer-to-peer financing offer more favorable terms?

It is mainly subject to the fact that unnecessary intermediaries are excluded from the equation, thus allowing both borrowers and investors to save money that would have been otherwise spent on commissions and fees for other parties services.

How is Viventor regulated?

Viventor is regulated by the appropriate legislative acts of The Republic of Latvia.

A bespoke regulation on peer-to-peer lending is currently also in making.

What happens in case of Viventor going out of business?

Viventor has secured sufficient amount of funding and other resources, ensuring its runway until and beyond the projected moment of turning profitable.

Should the unlikely event of Viventor going out of business take place, the appointed insolvency administrator shall take over settlement of all outstanding investments.

Moreover, Viventor has entered in agreement with a Certified Auditor Office “Sandra Dzerele & Partneris”, providing backup of all data to the Auditor every month for the purpose of storing.

In case of Viventor halting its operations, the Auditor shall pass over all data to the appointed administrator and collaborate with the administrator in order to settle all outstanding investments and agreements.

What happens in case of a Loan Originator going out of business?

Prior to onboarding a new Loan Originator, Viventor carries out a thorough Due Diligence of the company, paying increased attention to the financial situation and financial projection.

The Due Diligence is afterwards performed on a continuous basis.

Moreover, certain clauses and protective mechanisms have been incorporated in the Partnership Agreement between Viventor and the Loan Originator, limiting the damage in case of Loan Originator facing difficulties.

Should the unlikely scenario of a Loan Originator going out of business play out, the investors have direct Claims against particular borrowers. Therefore, Viventor will step in and collaborate with the respective Loan Originator’s assigned liquidation administrator, ensuring sound and fair settlement of all outstanding investments.

How do I become an Investor with Viventor?

You must fill in the sign-up form on Viventor website.

After the account has been verified, deposit the desired amount of money to your Investor’s Account by transferring it to the bank account provided. A minimum initial deposit of 50 € is required to start investing. Afterwards, any additional amount can be deposited to top up your account. In order to open an account, the minimum deposit is 50 €.

Who is eligible to invest?

Viventor is both open to private investors and companies.

In order to qualify as an investor, an individual must be at least 18 years old, possess a bank account in one of the countries of the European Economic Area (European Union, Norway, Iceland and Liechtenstein), and verify his/her identity to Viventor.

If you represent an entity of specific formation that is interested in investing via Viventor, or do not hold a European bank account, please contact us by writing to info@viventor.com.

If you represent an entity of specific formation that is interested in investing via Viventor, please contact us by writing to info@viventor.com.

What types of investments does Viventor offer?

We are constantly working on increasing and diversifying the loan supply. Please visit our Loan Originator section and follow the updates on social media to receive latest updates.

All listed loans are 100% pre-funded by Loan Originator.

Moreover, Loan Originator keep at least 5% stake in every single deal, proving they have their “skin in the game”.

My account has been verified, and I have deposited funds. How do I invest?

On the Primary Market, you can manually filter all listed loans, and manually pick the ones aligning with your preferences.

By using AutoInvest, you can create a portfolio, specifying certain parameters (portfolio size, maximum investment per loan, projected interest, time to maturity etc.). Afterwards, the system automatically selects loans that meet the criteria specified, and invests available funds continuously. You can alter the settings or stop the portfolio at any time.

On the Secondary Market, you can trade with other investors registered on the platform. Sell your investments at Par value, or trade them at Premium or Discount. By trading on Secondary Market, you can achieve higher liquidity, as well as higher returns.

By using AutoInvest, you can create a portfolio, specifying certain parameters (portfolio size, investment per loan, projected interest, time to maturity etc.). After you have approved the portfolio, the system automatically selects loans that meet the criteria specified, and invests on your behalf. You can alter the settings or stop the portfolio at any time.

On Secondary Market, you can sell the claims you have previously purchased, in order to exit your positions prior they have reached the maturity. You can offer them to other investors at the purchasing price, or by applying discount or premium. You can also repurchase other investors’ claims listed, in order to expand your portfolio.

Is investment repayment guaranteed?

Loans listed come with a Buyback Guarantee. This means that in case a borrower should delay the repayments for 60 days, the respective Loan Originator will offer the investors to buy back their shares at the purchasing price, also paying accrued interest and the late fee.

Should a borrower underperform and the payments be delayed, a loan recovery process shall be enforced. Moreover, the Loan Originator keeps a minimum of 5% stake in all of the loans listed, thus being in the same position as other investors, equally interested to resolve such situations.

Please remember your capital is at risk. When investing, make an informed and considered decision, taking in count default possibilities, including Loan Originator default possibility.

How can I transfer funds?

The first deposit at all times must come from investor’s personal Bank Account, in order to comply with Anti-Money Laundering requirements.

For later deposits, external services like TransferWise, PaySera, and others may be used, for the sake of convenient multi-currency transactions, faster money movements and smaller commissions.

What happens with the funds I have deposited?

The funds allocated in your Viventor Investor’s Account are held in a separate bank account, remotely from the assets of Viventor. The funds not invested are not seen as a deposit, and therefore do not generate interest.

The funds invested are transferred to the previous creditor or Loan Originator.

Currently, the services of Viventor are free of charge.

Please consult our Fees section for future updates.

What documents am I required to submit?

A mandatory document is a copy of your Passport or ID (both sides).

Also, a Utility Bill assigned to the address indicated upon registration is mandatory.

The Utility bill can be assigned to a different person, such as another family member or landlord.


These documents are required for complying with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations.

How to invest?

In Viventor, we offer two ways of investing:

AutoInvest has a number of advantages over manual investing.

By using AutoInvest, you can save time and ensure portfolio diversification.

Simply set the criteria that align with your investing preferences, and the system will automatically invest in new loans that appear on the platform on your behalf.

Investing manually
To invest manually, browse the Primary and Secondary Markets, search for the loans that are in line with your preferences, and choose the amount you wish to invest.

Build the portfolio yourself.

Cash out the returns or reinvest – that is a decision we leave to you!

How is the interest calculated?

All interest rates are expressed as annual figures.

You receive interest for the period you have held a particular loan.
The interest is calculated according to the following formula:
Invested Amount x Interest Rate (%) x Period of holding a loan (Days) / 365

The Late Fee equals the interest rate of a particular loan, and is calculated in the exact same manner.

How do I receive returns?

As soon as a borrower has made repayment, the funds are transferred to all Investors holding investments in the particular loan. Every transaction can be seen in the Account Overview. Repayments are scheduled to be made monthly, or even more frequently in some occasions.

Can I cancel my investment?

No, once you have confirmed an investment, you cannot cancel it. If you wish to exit an investment prior it has reached the maturity, you can try selling it on the Secondary Market.

How liquid are the investments?

The loans are scheduled to generate monthly cash flow, or even more frequent repayments in some occasions. Also, Secondary Market for trading with other investors is at your disposal at all times.

Remember that there is always an opportunity to sell your deal in the Secondary Market to exit your position prematurely.

Can I find short-term loans on Viventor?

Yes, you can find short-term loans on Viventor, with maturities as little as 7 days.

What about the taxes on my returns?

Investors are in charge of paying the taxes themselves, in their respective country of fiscal residence.

In case of additional questions, please contact us at support@viventor.com.

We suggest consulting your tax advisor for further clarifications.

What is AutoInvest?

AutoInvest is an advanced investing tool that allows investors to create an investment portfolio, based on customs sets of criteria.

After setting up and launching a portfolio with AutoInvest, the system will automatically filter and invest in loans meeting the requirements continuously.

AutoInvest is a great tool for saving time and ensuring diversification.

How can I reinvest my earnings?

In order to ensure reinvesting of your earnings, set your AutoInvest Portfolio Size larger than your total amount of funds on the account.

For example, if your account’s Total value shows EUR 5’300.49, you can freely set EUR 10’000.00 (or any other number) as the upper limit of AutoInvest.

Until this limit is reached and AutoInvest is active, your earnings will be reinvested.

How does the tool invest my funds?

Once you have set your investment criteria and saved your AutoInvest portfolio, your portfolio will be added to the queue.

If there are not enough loans on the platform meeting the specified criteria to reach the maximum portfolio size, the excess funds will remain allocated in the Investor’s Account. Every time new loans are added to the market, the system will automatically perform search from anew, and invest in the new listings that qualify.

AutoInvest is a feature that we have developed to help our investors operate more efficiently. Viventor does not charge any extra fees for its usage.

What if I want to stop using AutoInvest?

You can stop the AutoInvest feature at any time.

However, all the investments made while using the feature remain in your portfolio.

If you wish to exit your investments prior to maturity, we recommend using the Secondary Market.

Can I simultaneously use AutoInvest and make manual investments?

Yes, even if you are using AutoInvest, you can still invest your funds manually.

Who are the borrowers and what do they need the money for?

Borrowers are different people and companies that have met the respective Loan Originator’s criteria for receiving a loan.

Purpose of the loan varies from case to case, as well as across different Loan Originators.

Please consult Loan Originators section for more information on borrowers.

What happens if a loan is repaid prior to time of maturity?

Borrowers are allowed to pay off the full amount of the debt, or make a partial repayment at any time.

There are no penalties or fees for such activities.

The money is repaid earlier, thus giving the opportunity to make new investments for the investors.

In case of partial repayment, a borrower can choose to either shorten the term, or reduce the size of monthly repayments.

Under the specified scenario, the projected return for Investors is diminished. However, the money is repaid earlier, thus giving the opportunity to make new investments.