About our company
Trusted financial services provider across Europe
About us
VIAINVEST is a peer-to-peer marketplace for private lenders to invest into loans originating from non-banking lenders – the VIA SMS Group and its daughter companies. Portfolios of non-banking borrower claims mainly consist of consumer loan requests across Europe.
Unlike traditional banking VIAINVEST offers private investors access to the non-banking lending sector through a simple process.
Borrowers request funding from the VIA SMS Group, the active contract automatically is then mirrored on VIAINVEST making it available for public investment. Each investor has full control of how much he wants to invest, to whom and in which loan. VIAINVEST guarantees a transparent investment environment and full investor support at any time.
Corporate values
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Trust
We aim to build trustworthy relationships with every transaction -
Transparency
We believe that honesty is the core element of fruitful cooperation -
Client relationship
Our success is fully dependant on the success of our clients -
Diversification
We create value through diversification in every aspect of the business -
Teamwork
We are passionate and set goals to achieve excellence
Team
With over 150 employees VIA SMS has built a team of valued professionals.
Eduards Lapkovskis
Member of the Board
Deniss Serstjukovs
Member of the Board
Simona Lucatniece
P2P Platform Lead
Viktorija Ratacova
Chief Financial Officer
Jelena Antipova
Chief Technology Officer
Daiga Muizniece
Chief Legal Officer
Dmitrijs Lvovs
Head of Risk Management Department
Igors Prokofjevs
Head of Marketing Department
Jelena Bulmane
Head of Product
Valerija Klimenkova
Senior Investor Advisor
Alvils Ermins Malinovskis
Investor AdvisorFind out how to join our team:
Qualities highly valued in our employees:
- Confidence
- Passion
- Excellence
Currently all positions in our team are filled! If you are still interested in joining VIAINVEST, please let us know by e-mail: hr@viainvest.com!
This particular business loan allows early exit from the investment taking into account specific annual interest rate calculation terms. Early exit options and respective annual interest rates are listed below. Early exit from the investment can be requested by pressing EARLY EXIT button available in this particular business loan profile. Invested principal and earned interest returns to investor account after selected notice period.
| Reason for withdrawal from the agreement | Prior notice period | Guaranteed annual interest rate (paid on monthly basis) | Extra annual interest, paid once at the end of the agreement | Total annual interest rate |
|---|---|---|---|---|
| The loan maturity day | n/a | 12% | 2% | 14% |
| Early exit request before the maturity day | 1 month | 12% | n/a | 12% |
| Early exit request before the maturity day | 3 month | 12% | 1% | 13% |
| Early exit request before the maturity day | 6 month | 12% | 2% | 14% |
By selecting one of the early exit options listed below, you will automatically inform VIAINVEST about your willingness to exit the investment after the selected period of time starting from the date when the request is made. Invested principal and respective earned interest will be transferred to your investor account after chosen time period.
*Two component compensation model: interest of 8% p.a. on monthly basis plus interest paid at maturity of the agreement, providing investor with yield to maturity range from 8% to 12% p.a. Interest paid at maturity derives from project Capitalization Rate and Real Estate sales price as follows:
Calculation example:
| Capitalization Rate | Sales price | Yield to maturity |
|---|---|---|
| 5,75% | < 38 093 071 € | 8% |
| 5,25% | 38 093 071 € - 41 720 983 € | 10% |
| 4,75% | 46 112 665 € < | 12% |
Capitalization rate indicates the expected rate of return an investor is likely to achieve on an investment property. The rate is calculated by dividing net annual operating income by the value of the property and multiplied by 100 to get the percentage.