About Viainvest

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

ABOUT US

VIAINVEST is an investment platform offering to invest in asset-backed securities backed by loans originating from non-banking lenders – VIA SMS Group, its subsidiaries, and related companies.

Unlike traditional banking or investment service providers, at VIAINVEST we offer private investors access to the non-banking lending sector through a simple process.

VIAINVEST obtained an investment brokerage firm license and it is supervised by the Latvijas Banka the central bank of Latvia. Our license number is 27-55/2023/2. The license applies only to investment services.

VIAINVEST is authorized to provide the following investment services:

  • Acceptance and transmission of orders in respect of one or more financial instruments;
  • Execution of orders on behalf of clients;
  • Placement of financial instruments without commitment to redeem financial instruments
  • Portfolio management

VIAINVEST is authorized to provide the following ancillary services:

  • Holding of financial instruments;
  • Initial placement of financial instruments;
  • Exchanging foreign currencies for the purpose of providing investment services

Financial instruments available on VIAINVEST are sold over the counter (OTC).

Investment product

Borrowers request funding (loans) from the VIA SMS Group and its daughter companies. Loans from each loan originator are combined into pools of loans. After the securitization process, all securities linked to a certain pool of loans are published on VIAINVEST platform with the same ISIN (International Securities Identification Number provided by NASDAQ CSD SE). This makes them available for investment and from this point each investor has to decide on how much he wants to invest into a specific pool of loans.

VIAINVEST guarantees a transparent investment environment and full investor support at any time. More information about investing risks and security could be found here

VIAINVEST’s place for the provision of the services is in Latvia, irrespective of an investor’s country of origin. We will be passporting our investment services across the EU/EEA only after the receipt of the respective authorization from the Latvijas Banka the central bank of Latvia .

Corporate values

  • 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

Meet our team of valued professionals.

Eduards Lapkovskis

Eduards Lapkovskis

Chairman of the Board
Tatjana Kulapina

Tatjana Kulapina

Board Member
Alina Gamidova

Alina Gamidova

Board Member Responsible for AML Functions
Aleksandrs Puzdrans

Aleksandrs Puzdrans

Platform Lead
Irina Jakupova

Irina Jakupova

Support Team Lead
Alvils Ermīns Maļinovskis

Alvils Ermins Malinovskis

Senior Investor Advisor

Find out how to join our team:

Careers

Qualities highly valued in our employees:

  • Confidence
  • Passion
  • Excellence

Explore open positions at Viainvest and across VIA SMS Group by visiting our Careers portal.

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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.