About our company
Trusted financial services provider across Europe and Asia
ABOUT US
VIAINVEST is an investment platform offering to invest into loans originating from non-banking lenders – VIA SMS Group and its daughter companies.
Unlike traditional banking or investment service providers, VIAINVEST offers private investors and legal entities access to the non-banking lending sector through a simple process.
VIAINVEST obtained an investment brokerage firm license and it is supervised by the Financial and Capital Market Commission. Our license number is 06.06.08.735/538. 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
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).
Transition period
Issuance of the license marks the beginning of 6 months transition period ending in March 27, 2022 within which VIAINVEST will gradually shift from selling claim rights to listing asset backed securities. For better user experience VIAINVEST intends to maintain the previous user interface as much as possible. During and after this period, VIAINVEST’s place for the provision of the services (both for investments in claim rights and asset backed securities) will be in Latvia, irrespective of an investor’s country of origin. We will be passporting our investment services across the EU/EEA only after this transition period and after the receipt of the respective authorization from the FCMC.
How it works with claim rights:
Borrowers request funding (loans) from the VIA SMS Group and its daughter companies. Active contract is then published on VIAINVEST website making it available for investment. Each investor has full control of how much he wants to invest into a specific loan.
How it will work with securities:
Borrowers will request funding (loans) from the VIA SMS Group and its daughter companies. Loans from each loan originator will be combined into pools of loans. After the securitization process, all securities linked to a certain pool of loans will be published on VIAINVEST platform with the same ISIN (International Securities Identification Number provided by Nasdaq Riga). 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
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
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
Valerija Klimenkova
Investment Platform Lead
Tamara Hakova
Chief Financial Officer
Jelena Antipova
Chief Technology Officer
Inese Otersone
Chief Legal Officer
Dmitrijs Lvovs
Head of Risk Management Department
Alina Puzikova
Head of Business Intelligence Department
Tatjana Kulapina
Head of Product
Igors Prokofjevs
Head of Marketing Department
Alvils Ermins Malinovskis
Senior Investor Advisor
Jarlotte Quintero
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.
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.