VIAINVEST is a part of VIA SMS Group – a financial services provider operating across Europe and Asia. Since its founding in 2009, the company currently operates in 7 countries and has grown into one of the leading European consumer lenders. Company headquarters are located in Riga, Latvia.
About Viainvest
We are a regulated investment services provider. Our reliable and transparent investment products are built to work for everyone.
Our product portfolio
VIASMS.lv launched in December, 2009 offering open-ended agreement credit line in Latvia. VIASMS.lv ensures fast lending and customer support at any time.
- Available amount – up to EUR 3000
- Duration – open-ended agreement with option to apply for additional amount
VIACREDIT.lv launched in September, 2011 is an unsecured installment loan offering up to EUR 3000 with a duration between 6 months and 1 year. VIACREDIT.lv is available for citizens of Latvia.
- Amount – up to EUR 3000
- Duration – up to 12 months
SAVA.card launched on November, 2016 as a payment card without any ties to banks that allows you to purchase goods and services within its credit line limits. SAVA.card can be obtained free of charge and is accepted by more than 32 million retailers and 600 thousand cash withdrawal spots worldwide. Application process and account management can be fully done online. SAVA.card is operating within the MasterCard system.
- Credit line – up to EUR 3000
- Daily interest rate – 0,12%
- Fee for purchases – EUR 0
VIA SMS Group bonds have been issued on the Nasdaq OMX Baltic stock exchange market since 2014. Currently, a new bond issue is being offered to a limited circle of investors with an investment interest rate of 10% per year. To ensure investment transparency the company is audited by its independent auditor company BDO.
- Bond coupon rate – 10%
- Minimal investment – EUR 100 000
VIACONTO.se founded in November, 2012 offers short term consumer loans under various conditions in Sweden. VIACONTO.se ensures fast lending and customer support at any time.
- Amount – up to SEK 15 000
VIAKREDIT.se is a installment loan up to SEK 20 000 on the basis of an open agreement. VIAKREDIT.se is available for citizens of Sweden.
- Amount – up to SEK 20 000
VIASPAR is a lucrative savings product available for individuals in Sweden. VIASPAR offers an attractive product portfolio with flexible high-yield savings and capital accounts.
- Interest rate for individuals – 8%
- Interest rate for companies – up to 9,5%
- Minimal deposit for individuals – EUR 5000
- Minimal deposit for companies – EUR 10 000
VIASMS.pl founded in April, 2011 offers short term consumer loans under various conditions in Poland. VIASMS.pl ensures fast lending and customer support at any time.
- Amount – up to PLN 4000
- Duration – up to 30 days
Cashalot.pl founded in November 2016 offers short-term consumer loans under various conditions in Poland. Cashalot.pl ensures fast lending and customer support at any time.
- Amount – up to PLN 1500
- Duration – up to 30 days
VIASMS.cz founded in January, 2011 offers short term consumer loans under various conditions in the Czech Republic. VIASMS.cz ensures fast lending and customer support at any time.
- Amount – up to CZK 30 000
- Duration – up to 30 days
VIACONTO.es founded in April, 2015 offers short term consumer loans under various conditions in Spain. VIACONTO.es ensures fast lending and customer support at any time.
- Amount – up to EUR 600
- Duration – up to 30 days
VIACONTO.ro founded in January, 2018 offers short term consumer loans under various conditions in Romania. VIACONTO.ro ensures fast lending and customer support at any time.
- Amount – up to RON 1000
- Duration – up to 30 days
How we did in 2023
-
total count of registered customers
1 648 975 -
total value of issued loans
€ 71 603 210 -
total count of issued loans
246 784 -
net loan portfolio reached
€ 36 855 340 -
revenue reached
€ 39 500 986 -
average size of issued loan
€ 290 -
total number of employees around the world
250
Our partners
- VIAS Bonds
- Mastercard
- Transact Pro
- Arvato
- Instantor
Our official auditor
- Deloitte
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%.
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%.
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.
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.
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.
*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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