Profitus

Profitus is a Lithuanian real estate investment platform licensed by the National Bank of Lithuania to operate crowdfunding investments. Launched in August 2018, Profitus offers investors access to three types of real estate debt investments: real estate development projects, business loans secured by real estate, and real estate rental projects. The majority of investments are concentrated in the Baltic region, primarily Lithuania and Estonia, as well as Spain.

Both individuals and legal entities can invest on Profitus, with the only eligibility requirement being the possession of a bank account.^[1] Since its launch, Profitus has raised more than €273 million. Over the past 12 months, the platform facilitated more than €98 million in investments, averaging €8.17 million per month. This represents a 35.55% increase compared to the €72.34 million raised in the previous 12-month period.^[2] Profitus has a community of over 44,872 investors.^[3]

• Investments start at €100, with loans secured by real estate mortgages and possibly personal guarantees.
• Among the recent campaigns, investments range from €26,600 to €2,171,000, with 3 to 24 months loan durations.
• Profitus offers an average nominal interest rate of 9.22%.

Profitus is a real estate crowdfunding platform offering investments in mortgage and business loans backed by real estate. The platform features three main product categories:

• Real Estate Development Projects: Financing for construction, excavation, infrastructure, and building or renovating residential and commercial properties.
• Business Loans Secured by Real Estate: Capital for daily operations, business growth, equipment purchases, liability coverage, or refinancing, all backed by real estate.
• Real Estate Rental Projects: Funding to purchase or improve rental properties, generating steady rental income to cover loan costs and pay investors interest.

The majority of the loans are from Lithuania, comprising more than 87.5% of the portfolio. Loans from Latvia represent almost 9%, Estonia 2.5%, and Spain less than 1%. Profitus does not provide a buyback guarantee. However, loans are secured with real estate mortgages and may also be backed by personal guarantees.^[4] Investments start at €100.

Among the recent campaigns, investments range from €26,600 to €2,171,000, with loan durations spanning 3 to 24 months. Interest is paid quarterly, and the loans are structured as amortized, with fixed regular payments covering both principal and interest.^[5] Profitus does not withhold tax on interest earnings. It is up to investors to comply with their respective country’s tax regulations.

The platform offers a secondary market for exiting investments before the end of the term. An auto-invest feature is also available, allowing investors to automatically invest in newly published projects.^[6]

Profitus advertises effective annual interest rates ranging from 5% to 14%, with an average nominal rate of 9.22%. Project terms may vary. In the event of a borrower's late payment, an additional 5% interest applies from the date of delay, and funds are distributed within three business days of receipt by Profitus.^{[7] [8]}

To date, the platform has returned €196.8 million to investors, representing just over 72% of its total loan portfolio. According to Profitus:

• Delayed loan repayments: Approximately 0.77% of the portfolio, equivalent to €2.09 million, is currently classified as late, while around 3.48% (€9.49 million) is in the recovery process.
• Defaulted loans: Although the platform does not disclose a specific overall default rate, it has shared a 60-month average default rate by loan rating for the period from 2020 to 2024. These rates range from 3% for A+ rated loans to 18% for BBB rated loans.^{[9] [10] [11]}

Investors incur no platform usage or account administration fees. Contract conclusion and administration are free of charge. One withdrawal per calendar month is free; however, a €1.88 fee applies to each additional withdrawal within the same month. Profitus charges fundraisers fees including up to 1% for applications, 2–5% for contract conclusion (min. €2,500), and up to 0.3% monthly administration. Other fees cover project uploads (€250–€2,500), mortgage administration (€350–€1,500), and contract termination (three months’ interest plus fees). Additional costs include permissions and urgent documents (€100–€300), debt administration (€100), debt recovery (5%), and asset realization (10%). Profitus generates revenue primarily from these fees and interest rate spreads.^[12]

Viktorija Cijunskyte is the founder and CEO of Profitus and co-founder of the PropTech Lithuania association, which promotes technology in real estate. She previously founded and chaired Victory Funds and has been a partner at UAB CITUS Constructions since 2016. With deep experience in investment and construction, she is a key figure in Lithuania’s real estate sector. Supporting her is Monika Lencickaite, Chief of Business Operations, who leads strategic growth in the Baltic and Scandinavian markets. She was previously Chief Marketing Officer at Profitus, where she drove the company’s rapid expansion. Bianka Semaškė serves as the platform’s Chief Technology Officer.

The company behind the platform is UAB "Profitus Crowdfunding," founded in 2017 and headquartered in Vilnius, Lithuania. While detailed shareholder information has not been disclosed, the ownership structure consists of 6 Lithuanian individuals and 4 Lithuanian companies. Profitus has completed one funding round, an equity crowdfunding round, on August 21, 2019, for an undisclosed amount.^[13]

Profitus saw its revenue grow by approximately 39% between FY23 and FY24, from €2.37 million to €3.29 million. Despite this growth, net losses increased by around 40%, from €400,686 to €562,000, with the net profit margin remaining negative. Equity capital declined by 128%, shifting from €439,415 to -€122,585. Liabilities rose by 105% to €576,110, while current assets decreased by 85% to €48,373. These changes suggest that while Profitus continued to expand, the platform also experienced increasing financial challenges.^[14]

Profitus recently initiated a partnership with NATIVO to finance a premium real estate project on Lithuania’s Baltic Sea coast, offering investors access to high-end development in Palanga. NATIVO is known for exclusive, design-driven residential and hospitality projects. Their €30 million complex near the sea will feature over 160 apartments, a hotel, SPA, restaurant, and landscaped spaces for year-round living. Investors can join two €10 million funding rounds on the platform, with returns of 8.6–10% secured by a primary mortgage.^[15]

1. Profitus: “FAQ - Who can become an investor on Profitus platform?”
2. P2PMarketdata: “Profitus Statistics”
3. Profitus: “Investor community”
4. Profitus: “FAQ - For the investor - What loans are funded on the Profitus platform?”
5. Profitus: “Invest”
6. Profitus: “News - Automatic investment functionality has started”
7. Profitus: “FAQ - For the Investor - How much can I earn?”
8. Profitus: “Invest - 22. The process of profit distribution - payment terms, when is the project considered late and when it is not?”
9. P2PMarketdata: “Profitus Statistics - Avg. Nominal Interest Rate”
10. Profitus: “Statistics - Loan portfolio”
11. Profitus: “Statistics - Loan portfolio - View - Actual loan default rate by ratings”
12. Profitus: “Fees”
13. Crunchbase: “Profitus - Financials”
14. Rekvizitai VZ: “UAB ‘Profitus Crowdfunding’ - Financials”
15. Verslo Zinios: “NATIVO pradėjo unikalių projektų finansavimą per PROFITUS platformą: siekia sutelkti 20 mln. Eur”

Profitus is a Lithuanian real estate investment platform licensed by the National Bank of Lithuania to operate crowdfunding investments. Launched in August 2018, Profitus offers investors access to three types of real estate debt investments: real estate development projects, business loans secured by real estate, and real estate rental projects. The majority of investments are concentrated in the Baltic region, primarily Lithuania and Estonia, as well as Spain.

Both individuals and legal entities can invest on Profitus, with the only eligibility requirement being the possession of a bank account.^[1] Since its launch, Profitus has raised more than €273 million. Over the past 12 months, the platform facilitated more than €98 million in investments, averaging €8.17 million per month. This represents a 35.55% increase compared to the €72.34 million raised in the previous 12-month period.^[2] Profitus has a community of over 44,872 investors.^[3]

• Investments start at €100, with loans secured by real estate mortgages and possibly personal guarantees.
• Among the recent campaigns, investments range from €26,600 to €2,171,000, with 3 to 24 months loan durations.
• Profitus offers an average nominal interest rate of 9.22%.

Profitus is a real estate crowdfunding platform offering investments in mortgage and business loans backed by real estate. The platform features three main product categories:

• Real Estate Development Projects: Financing for construction, excavation, infrastructure, and building or renovating residential and commercial properties.
• Business Loans Secured by Real Estate: Capital for daily operations, business growth, equipment purchases, liability coverage, or refinancing, all backed by real estate.
• Real Estate Rental Projects: Funding to purchase or improve rental properties, generating steady rental income to cover loan costs and pay investors interest.

The majority of the loans are from Lithuania, comprising more than 87.5% of the portfolio. Loans from Latvia represent almost 9%, Estonia 2.5%, and Spain less than 1%. Profitus does not provide a buyback guarantee. However, loans are secured with real estate mortgages and may also be backed by personal guarantees.^[4] Investments start at €100.

Among the recent campaigns, investments range from €26,600 to €2,171,000, with loan durations spanning 3 to 24 months. Interest is paid quarterly, and the loans are structured as amortized, with fixed regular payments covering both principal and interest.^[5] Profitus does not withhold tax on interest earnings. It is up to investors to comply with their respective country’s tax regulations.

The platform offers a secondary market for exiting investments before the end of the term. An auto-invest feature is also available, allowing investors to automatically invest in newly published projects.^[6]

Profitus advertises effective annual interest rates ranging from 5% to 14%, with an average nominal rate of 9.22%. Project terms may vary. In the event of a borrower's late payment, an additional 5% interest applies from the date of delay, and funds are distributed within three business days of receipt by Profitus.^{[7] [8]}

To date, the platform has returned €196.8 million to investors, representing just over 72% of its total loan portfolio. According to Profitus:

• Delayed loan repayments: Approximately 0.77% of the portfolio, equivalent to €2.09 million, is currently classified as late, while around 3.48% (€9.49 million) is in the recovery process.
• Defaulted loans: Although the platform does not disclose a specific overall default rate, it has shared a 60-month average default rate by loan rating for the period from 2020 to 2024. These rates range from 3% for A+ rated loans to 18% for BBB rated loans.^{[9] [10] [11]}

Investors incur no platform usage or account administration fees. Contract conclusion and administration are free of charge. One withdrawal per calendar month is free; however, a €1.88 fee applies to each additional withdrawal within the same month. Profitus charges fundraisers fees including up to 1% for applications, 2–5% for contract conclusion (min. €2,500), and up to 0.3% monthly administration. Other fees cover project uploads (€250–€2,500), mortgage administration (€350–€1,500), and contract termination (three months’ interest plus fees). Additional costs include permissions and urgent documents (€100–€300), debt administration (€100), debt recovery (5%), and asset realization (10%). Profitus generates revenue primarily from these fees and interest rate spreads.^[12]

Viktorija Cijunskyte is the founder and CEO of Profitus and co-founder of the PropTech Lithuania association, which promotes technology in real estate. She previously founded and chaired Victory Funds and has been a partner at UAB CITUS Constructions since 2016. With deep experience in investment and construction, she is a key figure in Lithuania’s real estate sector. Supporting her is Monika Lencickaite, Chief of Business Operations, who leads strategic growth in the Baltic and Scandinavian markets. She was previously Chief Marketing Officer at Profitus, where she drove the company’s rapid expansion. Bianka Semaškė serves as the platform’s Chief Technology Officer.

The company behind the platform is UAB "Profitus Crowdfunding," founded in 2017 and headquartered in Vilnius, Lithuania. While detailed shareholder information has not been disclosed, the ownership structure consists of 6 Lithuanian individuals and 4 Lithuanian companies. Profitus has completed one funding round, an equity crowdfunding round, on August 21, 2019, for an undisclosed amount.^[13]

Profitus saw its revenue grow by approximately 39% between FY23 and FY24, from €2.37 million to €3.29 million. Despite this growth, net losses increased by around 40%, from €400,686 to €562,000, with the net profit margin remaining negative. Equity capital declined by 128%, shifting from €439,415 to -€122,585. Liabilities rose by 105% to €576,110, while current assets decreased by 85% to €48,373. These changes suggest that while Profitus continued to expand, the platform also experienced increasing financial challenges.^[14]

Profitus recently initiated a partnership with NATIVO to finance a premium real estate project on Lithuania’s Baltic Sea coast, offering investors access to high-end development in Palanga. NATIVO is known for exclusive, design-driven residential and hospitality projects. Their €30 million complex near the sea will feature over 160 apartments, a hotel, SPA, restaurant, and landscaped spaces for year-round living. Investors can join two €10 million funding rounds on the platform, with returns of 8.6–10% secured by a primary mortgage.^[15]

1. Profitus: “FAQ - Who can become an investor on Profitus platform?”
2. P2PMarketdata: “Profitus Statistics”
3. Profitus: “Investor community”
4. Profitus: “FAQ - For the investor - What loans are funded on the Profitus platform?”
5. Profitus: “Invest”
6. Profitus: “News - Automatic investment functionality has started”
7. Profitus: “FAQ - For the Investor - How much can I earn?”
8. Profitus: “Invest - 22. The process of profit distribution - payment terms, when is the project considered late and when it is not?”
9. P2PMarketdata: “Profitus Statistics - Avg. Nominal Interest Rate”
10. Profitus: “Statistics - Loan portfolio”
11. Profitus: “Statistics - Loan portfolio - View - Actual loan default rate by ratings”
12. Profitus: “Fees”
13. Crunchbase: “Profitus - Financials”
14. Rekvizitai VZ: “UAB ‘Profitus Crowdfunding’ - Financials”
15. Verslo Zinios: “NATIVO pradėjo unikalių projektų finansavimą per PROFITUS platformą: siekia sutelkti 20 mln. Eur”

Profitus is a Lithuanian real estate investment platform licensed by the National Bank of Lithuania to operate crowdfunding investments. Launched in August 2018, Profitus offers investors access to three types of real estate debt investments: real estate development projects, business loans secured by real estate, and real estate rental projects. The majority of investments are concentrated in the Baltic region, primarily Lithuania and Estonia, as well as Spain.

Both individuals and legal entities can invest on Profitus, with the only eligibility requirement being the possession of a bank account.^[1] Since its launch, Profitus has raised more than €273 million. Over the past 12 months, the platform facilitated more than €98 million in investments, averaging €8.17 million per month. This represents a 35.55% increase compared to the €72.34 million raised in the previous 12-month period.^[2] Profitus has a community of over 44,872 investors.^[3]

• Investments start at €100, with loans secured by real estate mortgages and possibly personal guarantees.
• Among the recent campaigns, investments range from €26,600 to €2,171,000, with 3 to 24 months loan durations.
• Profitus offers an average nominal interest rate of 9.22%.

Profitus is a real estate crowdfunding platform offering investments in mortgage and business loans backed by real estate. The platform features three main product categories:

• Real Estate Development Projects: Financing for construction, excavation, infrastructure, and building or renovating residential and commercial properties.
• Business Loans Secured by Real Estate: Capital for daily operations, business growth, equipment purchases, liability coverage, or refinancing, all backed by real estate.
• Real Estate Rental Projects: Funding to purchase or improve rental properties, generating steady rental income to cover loan costs and pay investors interest.

The majority of the loans are from Lithuania, comprising more than 87.5% of the portfolio. Loans from Latvia represent almost 9%, Estonia 2.5%, and Spain less than 1%. Profitus does not provide a buyback guarantee. However, loans are secured with real estate mortgages and may also be backed by personal guarantees.^[4] Investments start at €100.

Among the recent campaigns, investments range from €26,600 to €2,171,000, with loan durations spanning 3 to 24 months. Interest is paid quarterly, and the loans are structured as amortized, with fixed regular payments covering both principal and interest.^[5] Profitus does not withhold tax on interest earnings. It is up to investors to comply with their respective country’s tax regulations.

The platform offers a secondary market for exiting investments before the end of the term. An auto-invest feature is also available, allowing investors to automatically invest in newly published projects.^[6]

Profitus advertises effective annual interest rates ranging from 5% to 14%, with an average nominal rate of 9.22%. Project terms may vary. In the event of a borrower's late payment, an additional 5% interest applies from the date of delay, and funds are distributed within three business days of receipt by Profitus.^{[7] [8]}

To date, the platform has returned €196.8 million to investors, representing just over 72% of its total loan portfolio. According to Profitus:

• Delayed loan repayments: Approximately 0.77% of the portfolio, equivalent to €2.09 million, is currently classified as late, while around 3.48% (€9.49 million) is in the recovery process.
• Defaulted loans: Although the platform does not disclose a specific overall default rate, it has shared a 60-month average default rate by loan rating for the period from 2020 to 2024. These rates range from 3% for A+ rated loans to 18% for BBB rated loans.^{[9] [10] [11]}

Investors incur no platform usage or account administration fees. Contract conclusion and administration are free of charge. One withdrawal per calendar month is free; however, a €1.88 fee applies to each additional withdrawal within the same month. Profitus charges fundraisers fees including up to 1% for applications, 2–5% for contract conclusion (min. €2,500), and up to 0.3% monthly administration. Other fees cover project uploads (€250–€2,500), mortgage administration (€350–€1,500), and contract termination (three months’ interest plus fees). Additional costs include permissions and urgent documents (€100–€300), debt administration (€100), debt recovery (5%), and asset realization (10%). Profitus generates revenue primarily from these fees and interest rate spreads.^[12]

Viktorija Cijunskyte is the founder and CEO of Profitus and co-founder of the PropTech Lithuania association, which promotes technology in real estate. She previously founded and chaired Victory Funds and has been a partner at UAB CITUS Constructions since 2016. With deep experience in investment and construction, she is a key figure in Lithuania’s real estate sector. Supporting her is Monika Lencickaite, Chief of Business Operations, who leads strategic growth in the Baltic and Scandinavian markets. She was previously Chief Marketing Officer at Profitus, where she drove the company’s rapid expansion. Bianka Semaškė serves as the platform’s Chief Technology Officer.

The company behind the platform is UAB "Profitus Crowdfunding," founded in 2017 and headquartered in Vilnius, Lithuania. While detailed shareholder information has not been disclosed, the ownership structure consists of 6 Lithuanian individuals and 4 Lithuanian companies. Profitus has completed one funding round, an equity crowdfunding round, on August 21, 2019, for an undisclosed amount.^[13]

Profitus saw its revenue grow by approximately 39% between FY23 and FY24, from €2.37 million to €3.29 million. Despite this growth, net losses increased by around 40%, from €400,686 to €562,000, with the net profit margin remaining negative. Equity capital declined by 128%, shifting from €439,415 to -€122,585. Liabilities rose by 105% to €576,110, while current assets decreased by 85% to €48,373. These changes suggest that while Profitus continued to expand, the platform also experienced increasing financial challenges.^[14]

Profitus recently initiated a partnership with NATIVO to finance a premium real estate project on Lithuania’s Baltic Sea coast, offering investors access to high-end development in Palanga. NATIVO is known for exclusive, design-driven residential and hospitality projects. Their €30 million complex near the sea will feature over 160 apartments, a hotel, SPA, restaurant, and landscaped spaces for year-round living. Investors can join two €10 million funding rounds on the platform, with returns of 8.6–10% secured by a primary mortgage.^[15]

1. Profitus: “FAQ - Who can become an investor on Profitus platform?”
2. P2PMarketdata: “Profitus Statistics”
3. Profitus: “Investor community”
4. Profitus: “FAQ - For the investor - What loans are funded on the Profitus platform?”
5. Profitus: “Invest”
6. Profitus: “News - Automatic investment functionality has started”
7. Profitus: “FAQ - For the Investor - How much can I earn?”
8. Profitus: “Invest - 22. The process of profit distribution - payment terms, when is the project considered late and when it is not?”
9. P2PMarketdata: “Profitus Statistics - Avg. Nominal Interest Rate”
10. Profitus: “Statistics - Loan portfolio”
11. Profitus: “Statistics - Loan portfolio - View - Actual loan default rate by ratings”
12. Profitus: “Fees”
13. Crunchbase: “Profitus - Financials”
14. Rekvizitai VZ: “UAB ‘Profitus Crowdfunding’ - Financials”
15. Verslo Zinios: “NATIVO pradėjo unikalių projektų finansavimą per PROFITUS platformą: siekia sutelkti 20 mln. Eur”

Profitus is a Lithuanian real estate investment platform licensed by the National Bank of Lithuania to operate crowdfunding investments. Launched in August 2018, Profitus offers investors access to three types of real estate debt investments: real estate development projects, business loans secured by real estate, and real estate rental projects. The majority of investments are concentrated in the Baltic region, primarily Lithuania and Estonia, as well as Spain.

Both individuals and legal entities can invest on Profitus, with the only eligibility requirement being the possession of a bank account.^[1] Since its launch, Profitus has raised more than €273 million. Over the past 12 months, the platform facilitated more than €98 million in investments, averaging €8.17 million per month. This represents a 35.55% increase compared to the €72.34 million raised in the previous 12-month period.^[2] Profitus has a community of over 44,872 investors.^[3]

• Investments start at €100, with loans secured by real estate mortgages and possibly personal guarantees.
• Among the recent campaigns, investments range from €26,600 to €2,171,000, with 3 to 24 months loan durations.
• Profitus offers an average nominal interest rate of 9.22%.

Profitus is a real estate crowdfunding platform offering investments in mortgage and business loans backed by real estate. The platform features three main product categories:

• Real Estate Development Projects: Financing for construction, excavation, infrastructure, and building or renovating residential and commercial properties.
• Business Loans Secured by Real Estate: Capital for daily operations, business growth, equipment purchases, liability coverage, or refinancing, all backed by real estate.
• Real Estate Rental Projects: Funding to purchase or improve rental properties, generating steady rental income to cover loan costs and pay investors interest.

The majority of the loans are from Lithuania, comprising more than 87.5% of the portfolio. Loans from Latvia represent almost 9%, Estonia 2.5%, and Spain less than 1%. Profitus does not provide a buyback guarantee. However, loans are secured with real estate mortgages and may also be backed by personal guarantees.^[4] Investments start at €100.

Among the recent campaigns, investments range from €26,600 to €2,171,000, with loan durations spanning 3 to 24 months. Interest is paid quarterly, and the loans are structured as amortized, with fixed regular payments covering both principal and interest.^[5] Profitus does not withhold tax on interest earnings. It is up to investors to comply with their respective country’s tax regulations.

The platform offers a secondary market for exiting investments before the end of the term. An auto-invest feature is also available, allowing investors to automatically invest in newly published projects.^[6]

Profitus advertises effective annual interest rates ranging from 5% to 14%, with an average nominal rate of 9.22%. Project terms may vary. In the event of a borrower's late payment, an additional 5% interest applies from the date of delay, and funds are distributed within three business days of receipt by Profitus.^{[7] [8]}

To date, the platform has returned €196.8 million to investors, representing just over 72% of its total loan portfolio. According to Profitus:

• Delayed loan repayments: Approximately 0.77% of the portfolio, equivalent to €2.09 million, is currently classified as late, while around 3.48% (€9.49 million) is in the recovery process.
• Defaulted loans: Although the platform does not disclose a specific overall default rate, it has shared a 60-month average default rate by loan rating for the period from 2020 to 2024. These rates range from 3% for A+ rated loans to 18% for BBB rated loans.^{[9] [10] [11]}

Investors incur no platform usage or account administration fees. Contract conclusion and administration are free of charge. One withdrawal per calendar month is free; however, a €1.88 fee applies to each additional withdrawal within the same month. Profitus charges fundraisers fees including up to 1% for applications, 2–5% for contract conclusion (min. €2,500), and up to 0.3% monthly administration. Other fees cover project uploads (€250–€2,500), mortgage administration (€350–€1,500), and contract termination (three months’ interest plus fees). Additional costs include permissions and urgent documents (€100–€300), debt administration (€100), debt recovery (5%), and asset realization (10%). Profitus generates revenue primarily from these fees and interest rate spreads.^[12]

Viktorija Cijunskyte is the founder and CEO of Profitus and co-founder of the PropTech Lithuania association, which promotes technology in real estate. She previously founded and chaired Victory Funds and has been a partner at UAB CITUS Constructions since 2016. With deep experience in investment and construction, she is a key figure in Lithuania’s real estate sector. Supporting her is Monika Lencickaite, Chief of Business Operations, who leads strategic growth in the Baltic and Scandinavian markets. She was previously Chief Marketing Officer at Profitus, where she drove the company’s rapid expansion. Bianka Semaškė serves as the platform’s Chief Technology Officer.

The company behind the platform is UAB "Profitus Crowdfunding," founded in 2017 and headquartered in Vilnius, Lithuania. While detailed shareholder information has not been disclosed, the ownership structure consists of 6 Lithuanian individuals and 4 Lithuanian companies. Profitus has completed one funding round, an equity crowdfunding round, on August 21, 2019, for an undisclosed amount.^[13]

Profitus saw its revenue grow by approximately 39% between FY23 and FY24, from €2.37 million to €3.29 million. Despite this growth, net losses increased by around 40%, from €400,686 to €562,000, with the net profit margin remaining negative. Equity capital declined by 128%, shifting from €439,415 to -€122,585. Liabilities rose by 105% to €576,110, while current assets decreased by 85% to €48,373. These changes suggest that while Profitus continued to expand, the platform also experienced increasing financial challenges.^[14]

Profitus recently initiated a partnership with NATIVO to finance a premium real estate project on Lithuania’s Baltic Sea coast, offering investors access to high-end development in Palanga. NATIVO is known for exclusive, design-driven residential and hospitality projects. Their €30 million complex near the sea will feature over 160 apartments, a hotel, SPA, restaurant, and landscaped spaces for year-round living. Investors can join two €10 million funding rounds on the platform, with returns of 8.6–10% secured by a primary mortgage.^[15]

1. Profitus: “FAQ - Who can become an investor on Profitus platform?”
2. P2PMarketdata: “Profitus Statistics”
3. Profitus: “Investor community”
4. Profitus: “FAQ - For the investor - What loans are funded on the Profitus platform?”
5. Profitus: “Invest”
6. Profitus: “News - Automatic investment functionality has started”
7. Profitus: “FAQ - For the Investor - How much can I earn?”
8. Profitus: “Invest - 22. The process of profit distribution - payment terms, when is the project considered late and when it is not?”
9. P2PMarketdata: “Profitus Statistics - Avg. Nominal Interest Rate”
10. Profitus: “Statistics - Loan portfolio”
11. Profitus: “Statistics - Loan portfolio - View - Actual loan default rate by ratings”
12. Profitus: “Fees”
13. Crunchbase: “Profitus - Financials”
14. Rekvizitai VZ: “UAB ‘Profitus Crowdfunding’ - Financials”
15. Verslo Zinios: “NATIVO pradėjo unikalių projektų finansavimą per PROFITUS platformą: siekia sutelkti 20 mln. Eur”

Profitus is a Lithuanian real estate investment platform licensed by the National Bank of Lithuania to operate crowdfunding investments. Launched in August 2018, Profitus offers investors access to three types of real estate debt investments: real estate development projects, business loans secured by real estate, and real estate rental projects. The majority of investments are concentrated in the Baltic region, primarily Lithuania and Estonia, as well as Spain.

Both individuals and legal entities can invest on Profitus, with the only eligibility requirement being the possession of a bank account.^[1] Since its launch, Profitus has raised more than €273 million. Over the past 12 months, the platform facilitated more than €98 million in investments, averaging €8.17 million per month. This represents a 35.55% increase compared to the €72.34 million raised in the previous 12-month period.^[2] Profitus has a community of over 44,872 investors.^[3]

• Investments start at €100, with loans secured by real estate mortgages and possibly personal guarantees.
• Among the recent campaigns, investments range from €26,600 to €2,171,000, with 3 to 24 months loan durations.
• Profitus offers an average nominal interest rate of 9.22%.

Profitus is a real estate crowdfunding platform offering investments in mortgage and business loans backed by real estate. The platform features three main product categories:

• Real Estate Development Projects: Financing for construction, excavation, infrastructure, and building or renovating residential and commercial properties.
• Business Loans Secured by Real Estate: Capital for daily operations, business growth, equipment purchases, liability coverage, or refinancing, all backed by real estate.
• Real Estate Rental Projects: Funding to purchase or improve rental properties, generating steady rental income to cover loan costs and pay investors interest.

The majority of the loans are from Lithuania, comprising more than 87.5% of the portfolio. Loans from Latvia represent almost 9%, Estonia 2.5%, and Spain less than 1%. Profitus does not provide a buyback guarantee. However, loans are secured with real estate mortgages and may also be backed by personal guarantees.^[4] Investments start at €100.

Among the recent campaigns, investments range from €26,600 to €2,171,000, with loan durations spanning 3 to 24 months. Interest is paid quarterly, and the loans are structured as amortized, with fixed regular payments covering both principal and interest.^[5] Profitus does not withhold tax on interest earnings. It is up to investors to comply with their respective country’s tax regulations.

The platform offers a secondary market for exiting investments before the end of the term. An auto-invest feature is also available, allowing investors to automatically invest in newly published projects.^[6]

Profitus advertises effective annual interest rates ranging from 5% to 14%, with an average nominal rate of 9.22%. Project terms may vary. In the event of a borrower's late payment, an additional 5% interest applies from the date of delay, and funds are distributed within three business days of receipt by Profitus.^{[7] [8]}

To date, the platform has returned €196.8 million to investors, representing just over 72% of its total loan portfolio. According to Profitus:

• Delayed loan repayments: Approximately 0.77% of the portfolio, equivalent to €2.09 million, is currently classified as late, while around 3.48% (€9.49 million) is in the recovery process.
• Defaulted loans: Although the platform does not disclose a specific overall default rate, it has shared a 60-month average default rate by loan rating for the period from 2020 to 2024. These rates range from 3% for A+ rated loans to 18% for BBB rated loans.^{[9] [10] [11]}

Investors incur no platform usage or account administration fees. Contract conclusion and administration are free of charge. One withdrawal per calendar month is free; however, a €1.88 fee applies to each additional withdrawal within the same month. Profitus charges fundraisers fees including up to 1% for applications, 2–5% for contract conclusion (min. €2,500), and up to 0.3% monthly administration. Other fees cover project uploads (€250–€2,500), mortgage administration (€350–€1,500), and contract termination (three months’ interest plus fees). Additional costs include permissions and urgent documents (€100–€300), debt administration (€100), debt recovery (5%), and asset realization (10%). Profitus generates revenue primarily from these fees and interest rate spreads.^[12]

Viktorija Cijunskyte is the founder and CEO of Profitus and co-founder of the PropTech Lithuania association, which promotes technology in real estate. She previously founded and chaired Victory Funds and has been a partner at UAB CITUS Constructions since 2016. With deep experience in investment and construction, she is a key figure in Lithuania’s real estate sector. Supporting her is Monika Lencickaite, Chief of Business Operations, who leads strategic growth in the Baltic and Scandinavian markets. She was previously Chief Marketing Officer at Profitus, where she drove the company’s rapid expansion. Bianka Semaškė serves as the platform’s Chief Technology Officer.

The company behind the platform is UAB "Profitus Crowdfunding," founded in 2017 and headquartered in Vilnius, Lithuania. While detailed shareholder information has not been disclosed, the ownership structure consists of 6 Lithuanian individuals and 4 Lithuanian companies. Profitus has completed one funding round, an equity crowdfunding round, on August 21, 2019, for an undisclosed amount.^[13]

Profitus saw its revenue grow by approximately 39% between FY23 and FY24, from €2.37 million to €3.29 million. Despite this growth, net losses increased by around 40%, from €400,686 to €562,000, with the net profit margin remaining negative. Equity capital declined by 128%, shifting from €439,415 to -€122,585. Liabilities rose by 105% to €576,110, while current assets decreased by 85% to €48,373. These changes suggest that while Profitus continued to expand, the platform also experienced increasing financial challenges.^[14]

Profitus recently initiated a partnership with NATIVO to finance a premium real estate project on Lithuania’s Baltic Sea coast, offering investors access to high-end development in Palanga. NATIVO is known for exclusive, design-driven residential and hospitality projects. Their €30 million complex near the sea will feature over 160 apartments, a hotel, SPA, restaurant, and landscaped spaces for year-round living. Investors can join two €10 million funding rounds on the platform, with returns of 8.6–10% secured by a primary mortgage.^[15]

1. Profitus: “FAQ - Who can become an investor on Profitus platform?”
2. P2PMarketdata: “Profitus Statistics”
3. Profitus: “Investor community”
4. Profitus: “FAQ - For the investor - What loans are funded on the Profitus platform?”
5. Profitus: “Invest”
6. Profitus: “News - Automatic investment functionality has started”
7. Profitus: “FAQ - For the Investor - How much can I earn?”
8. Profitus: “Invest - 22. The process of profit distribution - payment terms, when is the project considered late and when it is not?”
9. P2PMarketdata: “Profitus Statistics - Avg. Nominal Interest Rate”
10. Profitus: “Statistics - Loan portfolio”
11. Profitus: “Statistics - Loan portfolio - View - Actual loan default rate by ratings”
12. Profitus: “Fees”
13. Crunchbase: “Profitus - Financials”
14. Rekvizitai VZ: “UAB ‘Profitus Crowdfunding’ - Financials”
15. Verslo Zinios: “NATIVO pradėjo unikalių projektų finansavimą per PROFITUS platformą: siekia sutelkti 20 mln. Eur”