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About Viainvest

We are a regulated investment services provider. Our reliable and transparent investment products are built to work for everyone.

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When it's about your money, we keep you informed and your investments safe. Dive deep into our offer details and learn how your investments are protected and regulated.

  • Latvia

    Loan originator: Sabiedrība ar ierobežotu atbildību "VIA SMS"

    Issuer: SIA "VIAINVEST Assets"

    View the full Base Prospectus approved by Latvijas Banka the central bank of Latvia

  • Sweden

    Loan originator: Viaconto Sweden AB

    Issuer: SIA "VIAINVEST Assets"

    View the full Base Prospectus approved by Latvijas Banka the central bank of Latvia

  • Czech Republic

    Loan originator: Via SMS s.r.o.

    Issuer: SIA "VIAINVEST Assets"

    View the full Base Prospectus approved by Latvijas Banka the central bank of Latvia

  • Romania

    Loan originator: "IFN VIACONTO MINICREDIT S.A.

    Issuer: SIA "VIAINVEST Assets"

    View the full Base Prospectus approved by Latvijas Banka the central bank of Latvia

About VIAINVEST

  • Annual Report 2024 (report is available in Latvian)
  • Annual Report 2023
  • Annual Report 2022 (report is available in Latvian)
  • Independent Auditor's Report (report is available in Latvian)
  • Disclosure of Remuneration Policy and Practice (2022)

About the Issuer

  • Decision of establishment
  • Articles of association
  • Issuer annual report 2024 (in Latvian)
  • Issuer annual report 2023
  • Issuer annual report 2022

Terms and policies

Upcoming versions

Effective starting 14.05.2025

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Sustainability

  • Disclosure of information related to sustainability
  • No consideration of adverse impacts of investment decisions on sustainability factors

Previous versions

Effective before 04.04.2025

  • Portfolio Management Policy
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Effective before 24.02.2025

  • Terms and Conditions

Effective before 18.02.2025

  • Description on the Target Market for transactions with financial instruments

Effective before 15.01.2025

  • Customer Referral Bonus Terms

Effective before 16.09.2024

  • No consideration of adverse impacts of investment decisions on sustainability factors

Effective before 05.08.2024

  • Portfolio Management Policy

Effective before 13.11.2023

  • No consideration of adverse impacts of investment decisions on sustainability factors

Effective before 06.11.2023

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Effective before 16.10.2023

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Effective before 02.10.2023

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Effective before 05.09.2023

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Effective before 18.05.2023

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  • Friday: 8:00 - 16:00 CET

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SIA Viainvest (registration No. 40203015744, legal address: Roberta Hirsa iela 1, Riga, LV-1045, Latvia) is an investment brokerage firm licensed and supervised by the Latvijas Banka the central bank of Latvia (www.bank.lv; legal address: 2A K. Valdemāra Street, Riga, LV-1050, Latvia). License number 27-55/2023/2. The place of provision of VIAINVEST services is Latvia, regardless of the investor's country of origin.


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Return consists of two component compensation model - 11% interest paid on the monthly basis and 2% paid at the loan maturity reaching the total return of 13%.
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Return consists of two component compensation model - 9% interest paid on the monthly basis and 2% paid at the loan maturity reaching the total return of 11%.
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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.

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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 11% 2% 13%
Early exit request before the maturity day 1 month 11% n/a 11%
Early exit request before the maturity day 3 month 11% 1% 12%
Early exit request before the maturity day 6 month 11% 2% 13%

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.

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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 9% 2% 11%
Early exit request before the maturity day 1 month 9% n/a 9%
Early exit request before the maturity day 3 month 9% 1% 10%
Early exit request before the maturity day 6 month 9% 2% 11%

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.

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*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.

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