About our company

Trusted financial services provider across Europe

VIAINVEST is a part of VIA SMS Group – financial services provider operating across Europe. 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.
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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
www.viasms.lv

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
www.viacredit.lv

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
www.savacard.lv

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
www.viasmsobligacijas.lv
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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
www.viaconto.se

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
www.viakredit.se

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
www.viaspar.se
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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
www.viasms.pl

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
www.cashalot.pl
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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
www.viasms.cz
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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
www.viaconto.es
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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
www.viaconto.ro

Business at a glance

  • € 92 496 464

    total value of issued loans in 2019

  • 146%

    average annualized interest rate on loans to customers

  • net loan portfolio has reached

    € 23 977 806

    in 2019, an increase of 7%

  • revenue in 2019 has reached

    € 27 604 087

    an increase of 9%

  • € 330

    average size of issued loan

  • 7%

    non-performing loans to total issued loans

  • 218

    total number of employees around the world

Our partners

  • VIAS Bonds
  • Mastercard
  • Transact Pro
  • Arvato
  • Instantor

Our official auditor

  • Deloitte
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Return consists of two component compensation model - 12% interest paid on the monthly basis and 2% paid at the loan maturity reaching the total return of 14%.
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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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*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.