Looking for returns on your savings?

Start investing with Viventor
What is Viventor?

Viventor is a peer-to-peer lending platform that offers investing in secured loans, excluding banks, investment managers and other intermediaries from the equation. In Viventor, we believe in a more efficient, transparent investor-borrower relationship.

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 newest technologies and in most cases takes place over a web platform. It is a substantial improvement  in comparison with the old model of financing, allowing borrowers to reach more favorable terms, and lenders to receive attractive returns.

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.

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 depoisted to top up your account. You can invest as little as 10 € per loan to ensure diversification of your portfolio.

Who is eligible to invest?

Viventor is both open to private investors and legal entities. In order to qualify as an investor, an individual must be at least 21 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, please contact us by writing to info@viventor.com

What types of investments does Viventor offer?

On Viventor, you can currently invest in 2 types of loans.

Firstly, you can invest in mortgage-backed loans. All the loans and the underlying collaterals listed are carefully evaluated, and have undergone a strict risk assessment procedure.

Secondly, you can invest in short-term consumer loans. The loans are originated by Twinero, a Spanish loan originator that has years of proven track record. The short term loans are not secured by an underlying asset, but generate up to 12% return per annum. Twinero loans last between 7 and 30 days.

All the loans are 100% pre-funded by loan originators.

Loan originators keep at least 5% stake in every single deal, ensuring risk sharing in case of a borrower delaying repayments.

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

On Primary market, you can invest in the loans by purchasing claims to shares of the loans, or by investing the entire amount requested by borrower.

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?

All of the loans listed come with a Buyback Guarantee. In case a borrower should delay the repayments for 60 days, Viventor 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.

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.

What are the costs related to investing via Viventor?

Currently, the services of Viventor are free of charge. However, please keep in mind that the Pricing Policy may be changed in the future.

What documents am I required to submit?

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

Another mandatory document is a copy of one of your utility bills (heating, water, electricity, internet etc.), assigned to the address you have provided in registration.

An optional document is your tax certificate, or an alternative document showing your Tax Payer's number, and verifying you are a tax payer in your country of tax residence. If such document is provided, no taxes will be applied upon payout. If such document is not provided, taxes will be applied to your profits generated on Viventor.

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 do I receive returns?

As soon as a borrower has made a repayment, the funds are transferred to all the Investors, proportionally to their owned stakes. The funds will be transferred to your Viventor Investor's Account. When it happens, you are free to invest from anew, or request a payout.
The repayments are being made on a monthly basis.

Can I cancel my investment?

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

Are the investments liquid?

Prior to conducting an investment, make sure you are prepared to hold it until the maturity. You will receive monthly repayments and initial payments, and be able to keep track of your portfolio's performance in your Viventor Investor's Account.

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. Loans originated by Twinero have maturities of 30 days or less. Also you can find mortgage-backed loans that have remaining term of just few months. Use search filters to find loans that match your preferences.

What about the taxes on my returns?

Prior funds withdrawal, the investors are asked to upload a copy of tax certificate. If the certificate confirms that investor is a resident of the European Union, no taxes are applied. If the certificate is not provided, the earnings will be taxed in accordance with the appropriate Double Tax Treaty.

We suggest consulting your tax advisor for further clarifications.

What is Buyback Guarantee?

Buyback Guarantee is a guarantee from the loan originators to buy back investments in non-performing loans for the purchasing price, also paying the accrued interest and late fee. If a borrower delays repayments by 60 days, the loan will be classified as non-performing, and the Buyback Guarantee will be activated.

What does fixed interest mean, and how is it different?

Fixed interest means that you as an investor will received fixed interest payments every month, instead of seeing your interest payments decline over time. Same amount on Month 1, Month 6, Month 15, and so on. No sophisticated calculations or tricks, just fair and square earnings on your investment.

What is AutoInvest?

AutoInvest allows you to create an investment portfolio, based on your chosen criteria (projected return, time to maturity, LTV etc.). After setting up and launching a portfolio with AutoInvest, the system will automatically filter loans that meet the requirements, and invest in those loans on your behalf. The feature allows you to save time and ensure diversification.

What is reinvesting?

Reinvesting is a sub-feature of AutoInvest. By enabling reinvesting, system will automatically invest funds you have received from borrowers. As soon as the cumulative amount of repayments will reach 10 €, the system will search for new loans meeting Investor's AutoInvest settings. Reinvesting ensures that your availble funds generate returns, instead of simply being allocated in your account.

How does the feature invest funds from my Investor Account?

Once you have set your investment criteria and saved your AutoInvest portfolio, your portfolio will be added to the queue. The requests are filled, depending on the waiting time.

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.

Are there any additional costs related to using AutoInvest?

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 of Viventor are loan applicants that have met all the requirements to acquire financing. Purpose of the loans may vary for each specific case and depending on the loan originator. More information about the purpose of the loan and the borrower can be found on under each separate listing.

What information can I see about the borrowers?

We are not allowed to disclose sensitive borrowers' information. The Investors are able to see age, gender and city of residence of a borrower, as well as certain specific details related to particular loans.

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.

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.

How does Viventor select borrowers?

Viventor does not originate loans, and therefore does not select borrowers itself. However, all of the loans listed have been issued by our partner companies, and the borrowers have undergone a careful screening and risk assessment. Every single deal is initially funded by the loan originators in full. In that way, the loan originators express their trust in each selected borrower, and take all the borrower risk.