DEBITUM

Crowdlending has become an attractive investment alternative for those seeking higher returns than bank deposits and greater control over where to invest their money. Among the platforms that have gained relevance in recent years is Debitum, a Latvian company that combines official regulation, asset-backed loans, and a simple interface for investors.

In this article, I will explain what Debitum is, how it works, its main features, advantages, disadvantages, and which type of investor it is most suitable for.  

📌 What is Debitum?

Debitum is a European P2B (peer-to-business) investment platform that connects investors with companies that need financing. The loans listed on the platform are usually backed by real assets such as inventories, vehicles, properties, or invoices, and are subject to a risk assessment performed by the originator and supervised by Debitum.

It is regulated and supervised by the Financial and Capital Market Commission of Latvia (FCMC), complying with strict anti-money laundering (AML) and customer identification (KYC) standards.

🏗 How does Debitum work?

The investment process on Debitum is simple and accessible:

• Registration and verification — Fast KYC process, fully AML compliant.
• Minimum deposit — From just €10, accessible for any investor profile.
• Loan selection — You can invest manually in projects filtering by term, return, and guarantees.
• Interest payments — Generally monthly, with principal returned at maturity.
• Buyback guarantee — Present in most loans, covering defaults after a certain period.

🔍 Key Features of Debitum

• Minimum investment: €10
• Expected return: Between 10% and 14% annually
• Investment terms: From 1 month to 36 months
• Payments: Monthly interest and capital at maturity
• Regulation: Latvia, supervised by FCMC
• Buyback guarantee: Included in most loans
• Diversification: Access to loans from different originators and sectors
• Secondary market: Currently not available

✅ Advantages of investing in Debitum

• High returns compared to traditional bank products
• Very accessible thanks to its low minimum investment
• Officially regulated platform within the EU
• Buyback guarantee reducing default risk
• Possibility to diversify across multiple loans and originators
• Transparency in each project’s information

⚠️ Disadvantages and risks

• No secondary market, which limits liquidity
• Risk of default if the originator fails and does not honor the guarantee
• Medium-sized platform, more exposed to operational risks
• Returns depend on the P2B market performance

📊 Ideal investor profile for Debitum

• Investors looking for high returns with very low entry capital
• Those who want to start in crowdlending without committing too much money
• People who value EU-regulated platforms
• Investors wanting to diversify in business loans backed by assets

🏁 Conclusion

Debitum is an interesting option for those who want to enter P2B crowdlending with a small capital within a regulated framework. Its low minimum entry and the ability to diversify in different loans make it attractive, although the lack of a secondary market means that invested capital will be tied up until maturity.

As with any P2P investment, the key is to diversify across several loans and originators, and never invest more than you are willing to lose as risk.

💡 Final tip

If you decide to invest in Debitum, combine short- and long-term loans to balance return and liquidity. Take advantage of the buyback guarantee, but always analyze the strength of the originator backing each loan.