Viventor Review

Loan Originator Marketplace for investors all over Europe

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Total Funded:


Historical Return:


Viventor is a digital peer-to-peer lending platform that allows investors from all the European Economic Area (EEA) and more countries to carry out cross-border investments in financial products granted by non-bank financial institutions (more commonly referred to as “Loan Originators”). Through a remarkable marketplace, Viventor enables investors to directly invest in different countries, loan types and Loan Originators from all over Europe and abroad. In order to reduce the risk, almost all of the loans come with Buyback Guarantee or Payment Guarantee. Viventor is currently applying for a Financial Brokerage License in Latvia.

Company:ViVentor LLC
Business:Loan Originator Lending: Consumer Lending, Mortgage Lending, Business Lending, Invoice Financing
Founder:Finstar Financial Group
Countries:Bosnia and Herzegovina, Netherlands, Estonia, Spain, Poland, Bulgaria, Russia, Lithuania, North Macedonia, Latvia, Moldova, Kazakhstan
Reports:2018 (PDF), 2017 (PDF), 2016 (PDF)

Office location in Riga

Table of Contents

Investor Introduction Video - How does Viventor work?

Viventor Pros & Cons



Characteristics of Loans

Interest Rates

4% – 16%

Loan Durations

7 days – 60 months



Buy-back Guarantee

Minimum Investment ⇙


Direct Investment Structure

Loans on Viventor

Unlike most of the other peer-to-peer lending platforms in today’s market, the only available loans found on Viventor’s platform are loans that are financed by different Loan Originators. Since Loan Originators are professional and licensed lending companies with underwriting procedures and scorecards to keep track of borrowers, there is less risk associated with investing money through Viventor. Furthermore, it increases the quality of loans available in the market.

Talking about available loans in the market, these can be found under the section “Primary Market”. Here, you get an overview of all the loans that are currently available for investments. If you want to narrow down the overview, you can use the filtering options in order to only be exposed to loans that are of specific interest to you. For instance, you can choose only to see consumer loans or business loans that are from Spain and come with a Buyback guarantee. In case there is a specific filter you tend to use a lot, Viventor allows you to save this particular set of filtering options, hence making it easier to use it again next time.

When having configured a specific set of filter options, you will be presented with an informative list of currently available loans that match the criteria previously selected by you. In other words: Only loans that you might be interested investing in are displayed in the list. The most necessary information is provided in the list (see screenshot below), such as:

  • Name of Loan Originator
  • Type of loan
  • Date of issue and end date
  • Interest rate
  • Loan term (also referred to as amortisation or maturity)
  • Loan amount
  • LTV (loan-to-value ratio)
  • How much money is available for investment
  • Amount invested by you

If you are interested in learning more about a specific loan from the overview list, simply click on it and a new window will open in which you will be able to review all the details about that particular loan (illustrated in the screenshot below). Some of the details presented are:

  • How much money is available for investment
  • Country of origin (the small flag in the upper left corner)
  • Loan type
  • Total loan amount
  • Remaining loan term
  • Interest rate
  • Etc. 

Additionally, you are presented with an investment breakdown, thus illustrating how much money other investors and/or Loan Originators have already invested in the loan.

Buyback Guarantee & Payment Guarantee on Viventor

When investing money, you have to come to peace with the fact that your capital is always at risk. If you are not willing to bear that risk, you probably shouldn’t start investing your money. That said, Viventor does prioritise secure investments highly and, therefore, the platform offers both Buyback guarantee and Payment guarantee with the purpose of mitigating your risk exposure when investing money. Below, the article will briefly go through the characteristics of Buyback and Payment Guarantee, respectively.

Buyback Guarantee

Shortly put, Buyback guarantee means that the Loan Originator allows investors to buy back (hence the name “Buyback” guarantee) their shares at the purchasing price – including accrued interest rates and additional fees – in case a borrower’s repayment is delayed with 30, 60 or 90 days.

Payment Guarantee

Payment guarantee is another investor protection scheme that reduces investors’ risk exposure. With Payment guarantee, the specific Loan Originator will make sure that the investor receives monthly payments on behalf of the borrower, in case the borrower is not able to pay back the loan himself/herself.

Other Types of Risk Management

In addition to Buyback and Payment guarantee, Viventor makes use of other risk management tools as well. The purpose of all of these tools is to help reduce the risk associated with investing in loans on Viventor’s digital platform

Other types of risk management tools on Viventor:

  • Loan Originator Risk Management
  • Skin in the Game (5%)
  • Collateral

“Loan Originator Risk Management” means that Viventor carries out a thorough Due Dilligence prior to onboarding a new Loan Originator to the platform and, if accepted, on a regular basis. “Skin in the Game (5%)” requires Loan Originators to always have a minimum of 5% at stake in each loan, thus being in the same position as investors. This also means that a loan recovery process will enforces in case a borrower underperforms and payments are delayed. The last risk management tool, “Collateral”, will be explained in more detail further down under the section “Assets as Collateral”.

What happens if Viventor closes operations or becomes insolvent?

There are two different types of investment structures in P2P investing:

  • The direct structure means you are buying a claim against the borrower directly.
  • The indirect structure means you obtain exposure to a loan by investing in a loan issued by a platform company to the loan originator.

At Viventor, the investment structure is direct, which means that investors at the time of purchasing the claim rights to loans from the loan originators, instantly becomes entitled to claim rights from the end borrowers and not the loan originators as if it was indirect. Though it is worth noticing that the loan originators are the ones finding the borrowers and handling the payments to Viventor which then handles the payment to lenders. This means that if Viventor or the Loan Originator goes bankrupt, the lenders still have a claim against the borrower.

Assets as Collateral

Usually, not all loan types come with an asset as collateral. This is also the case with Viventor, where you can find the following product range:

  • Consumer Lending
  • Mortgage Lending
  • Business Lending
  • Invoice Financing
  • Line of Credit

Not all of these loan types come with an collateral; it is only in the case of business loans and mortgage-backed loans that borrowers are asked to provide a collateral. The reason why it is beneficial for investors that borrowers have secured assets as collaterals is that these collaterals will be withdrawn from the borrower and used to recover the loan in case the borrower is not able to meet the required repayments. Put differently, a collateral is a kind of insurance that secures that the investor will keep earning interest rate even in the case of default by borrower.

A collateral can be many things, but the most common collaterals are cars and real estate property. Each available loan contains information about the borrower and collateral, hence the investor can also check, before deciding to invest in a specific loan, what kind of collateral the borrower has – if any. In the example below, the borrower’s asset as collateral is a 78.6 square meter with an estimated value of 150,000 Euros.

Platform Features

Manual Investing

As is the case with almost all other peer-to-peer lending platforms online, investors can choose between two ways of investing:

  1. Auto investing
  2. Manual investing

When making use of auto investing, investors create a portfolio based on selected criteria and investments will be done automatically according to these criteria. This way of investing is explained more in detail below.

Manual investing, on the other hand, implies investing in loans found on the primary market one by one. Investors can, in other words, freely choose between the loans issued to borrowers by different Loan Originators by browsing through the currently available loans on the primary market. When investing manually, investors choose themselves how much they want to finance in the specific loans, in what loan types they want to invest, with what maturity, etc.

Automatic Investing

As most other peer-to-peer platforms, Viventor offers Automatic Investing (referred to as “AutoInvest”). The AutoInvest feature on Viventor is highly popular among investors since it allows you to customise investment settings based on a wide range of criteria, thus allowing the system automatically to invest in loans that match the selected criteria.

Setting Up AutoInvest

The first steps you have to go through when setting up an AutoInvest with Viventor are:
  1. Choosing a name for your portfolio
  2. Defining the upper limit size of your portfolio
  3. Selecting a maximum investment per loan
  4. Choosing minimum and maximum interest rate

The upper limit of your portfolio establishes the maximum amount of money that will be invested – when the upper limit is reached, no more automatic investments will be made. There is no limit to the maximum investment per loan, however, the amount cannot be lower than 10 Euros.

When defining your interest rate range, have in mind that a larger range is more likely to give you, among other things, a more diversified return and a more safe risk-reward balance.

Configuring Specific Criteria

After having set up the basic features of your portfolio, the next step consists in configuring the specific investment criteria, for instance:

  • Remaining loan term (months)
  • Maximum LTV (%)
  • Loan types
  • Countries
  • Loan Originator
  • Buyback/Payment Guarantee

Remaining loan term: Using the slider “Remaining loan term”, you can select the minimum or maximum number of months remaining until the full repayment of a loan is projected.

Maximum LTV: The parameter “Maximum LTV” is only applicable to secured loans. LTV stands for “loan-to-value” and is a ratio that indicates the issued loan amount’s ratio compared to the underlying collateral. Of course, this value will differ across loan types, however, as a rule of thumb, an LTV of 50% or lower is considered a relatively safe investment.

Loan types and countries: The filters “Loan types” and “Countries” are generic parameters, both of which are adjustable depending on your preferences. In the section “Loan types”, you can choose between line of credit, consumer loan, business loan, mortgage-backed loan and/or invoice financing. Under “Countries”, you can choose between the countries of operation.

Loan Originators: One of the more unique characteristics of Viventor is the fact that the platform only offers investments in loans that are already financed by professional and licensed lending companies; the so called Loan Originators. When configuring your preferred criteria, the platform enables you to select specific Loan Originators, for instance Presto, Atlantis, and Twinero.

Buyback or Payment guarantee: The last parameter, “Buyback/Payment guarantee”, lets you select loans that come with either Buyback or Payment guarantee – or none of them. For instance, investors can choose only to AutoInvest in loans that come with Buyback guarantee, thus lowering the risks normally associated with investment activities.

Once you have set all parameters as indicated on the screenshot below, the only thing left for you to do is accept the general terms, and your portfolio will be launched. Hereafter, Viventor will do the job for you. Meanwhile, you can lean back and enjoy the money earned on your behalf.

Secondary Market - How to sell a loan on Viventor

If investors want to exit an investment earlier than the established maturity of the loan, they have the possibility to trade the specific investment with other investors/users registered on the platform in the section called “Secondary Market”. Trades that take place on the secondary market are made directly with other investors and do not involve Viventor nor the Loan Originators.

When selling an investment on the secondary market, you can choose to apply “discount”, “par” or “premium”. Which one you choose to apply impacts the price of the loan on the secondary market:

  • Discount means that loans are sold for a price that is lower than the remaining principal amount
  • Par means that loans are sold at a price that is equal to the remaining principal amount
  • Premium means that loans are sold at a price that is more expensive than the remaining principal amount

Nice to Know for Investors

Registration Process on Viventor

In order to become an investor on Viventor, you have to go through a registration process that consists in filling out a short sign-up form and provide a clear, readable and valid copy of your identification documents. Individual investors are to present a copy of both sides of a passport or ID and, in case the fiscal address is not shown in the passport or ID, investors also ought to provide a copy of Utility Services Bill assigned to the address (can be a different person, such as a family member or a landlord) upon registration.

Viventor will take some time to verify the provided identification documentation, and – if it is considered to be incomplete – you will not be given access to the platform.

Deposit & Withdrawal Process

After having verified your identification documents, Viventor will grant you access to the platform and you can start adding funds to your account by realising a simple bank transfer in which you must include your individual investor account number under “Transfer Details”. 

The first deposit that you perform must come from your personal bank account (can be any bank within EEA, the European Economic Area). The reason for this specific requirement is compliance. Hereafter, investors are free to use other transfer service companies such as PaySera, TransferWise, Currencyfair, and others. Note that Viventor only accepts deposit payments in Euros. There is no minimum or maximum investment. Investors can invest any amount they wish in any loan available. Nevertheless, it is recommended to invest at least  10 to receive somewhat significant returns. Going from here, There is no restriction of minimum or maximum investment. Investors can invest any amount they wish in any loan that is available. Nevertheless, it is recommended to invest at least € 10 to receive significant returns.

As soon as your deposit has been received, Viventor will start processing it, however, this might take up to two work days. Please also note that in case of returning funds to the sender, the sender might experience a loss of funds due to the simple fact that some banks charge a commission for returning the deposit. 

With regard to withdrawing money from your Viventor account, all you need to do is indicate the amount you wish to withdraw, indicate the IBAN number of the destination bank, and you will receive the money in your personal account within shortly or latest after two bank days. The minimum amount of money that can be withdrawn from your account is 10 €.

All necessary information about your deposits and withdrawals can be found under the section “Deposit/Withdraw”. 


Viventor offers a great variety of quality investment opportunities – most of which are secured by Buyback Guarantee – ranging from loans backed by real estate mortgages to consumer loans with short term maturity. In order to simplify online investment further, Viventor offers a highly advanced investor Dashboard for investors to keep track of how their individual investments are performing. Below, this article will take you through some of the specific reporting functions Viventor’s Dashboard offers.

My Account

One of the more important features of the “My Account” section, which is the first tab in the top menu when logged in, is the portfolio overview where you can check out your AutoInvest portfolios and get an overview of, for instance, how many of your investments are:

  • Lines of credit, consumer loans, business loans, invoice financing, and mortgage-backed loans
  • Having a maturity period of 1-3 months, 3-12 months, and 1-5 years
  • Originally from Spain, Bulgaria or the Netherlands
  • Currently active and delayed with e.g. 1-30 days

My Investments

In the “My Investments” section under the tab “Investments” in the top menu, investors are presented with an overview of all the different loan parts that he/she has invested in. You can narrow down the view by selecting specific filters defining what loan investments will be shown on the list, e.g. type of loan and country of origin. Directly from the list, you can choose to sell a specific investment on the secondary market by clicking on the yellow button “Sell” to the right hand side on the screen.

Account Statement

Account Statement” provides investors with a very detailed overview of all investment activities that have been realised from the investor’s Viventor account. Again, investors are here able to apply a specific filter, for instance specific payment types and custom time periods. All information can be downloaded to an Excel file if needed.

The biggest advantage of the “Account Statement” section is that investors get an instant summary of all transactions, and each transaction from the overview list comes with a link to the specific loan. If you are looking for a transaction for a specific investment, you can simple enter the ID of the given loan.

Viventor Tax

It is Investors obligation to declare their investment income in their respective country of fiscal residence. We recommend Investors consult tax specialists for further clarifications.

Viventor FAQ: “How are my earnings taxed?”


Viventor offers a very thorough FAQ in which you are likely to find answers to most of your questions. However, if this is not your case, you can always either contact Viventor by sending them an email or calling them Monday to Friday between 9 AM and 7 PM.

Phone number
+370 (5) 208 0468


Opening hours
Workdays: 09.00-19.00 (EET)
Weekends: Closed

Viventor Competitors

Who can invest on Viventor?

Viventor is open to both: individuals and companies. To qualify as an investor, it is required to possess a bank account in one of the countries of the European Economic Area (European Union, Norway, Iceland and Liechtenstein); be at least 18 years old; provide a copy of your identification documents to Viventor.

Viventor FAQ: “Who is eligible to invest?”

Is Viventor Regulated?

Viventor is not financially regulated but is under the commercial legislation acts of The Republic of Latvia.

Viventor Statistics

Total investments:€131,8 million
Total investor earnings:€1,96 million
Amount of investors:7841
Percentage of Consumer Loans:74,49%
Percentage of Invoice Financing:14,31%
Percentage of Business Loans:5,39%
Percentage of Lines of Credit:4,52%
Percentage of in Mortgage Loans:1,19%
Investors with XIRR over 15%:37,9%
Investors with XIRR of 15%:20,1%
Investors with XIRR of 14%:14,4%
Investors with XIRR of 13%:12,6%
Investors with XIRR of 12%:10,0%
Investors with XIRR below 12%:5,0%
Latest financial report:2018 (PDF)


Please note that this overview may contain affiliate links. It means that a commission is earned if you decide to invest after using the link – of course without additional costs to you. The information on this site does not constitute investment advice and is solely to give you a simple and easy overview of the platform. Always conduct your due diligence and consult your financial advisor before making any investment decisions.

* Historical return is not a guarantee of future return.  The number is the current return across all loans as at the time of writing this article, reported direct from Viventor that operates the website The return figure is on a weighed average return.