Frequently asked questions
General information about our platform
How to invest?
In order to begin investing you need to meet the minimum 2 requirements:
- have an account on VIAINVEST,
- have available funds on your VIAINVEST account.
There are two options how to make investments:
- Manual investing – control what loan contracts you would like to invest into and how much:
1. browse the loans contract listing currently listed on VIAINVEST in the primary market section and pick and choose how you want to build your portfolio,
2. make full or partial investments into selected listings. - Auto-investing – save the time and invest into several loan contracts at once by letting the auto-invest feature to do the work for you:
1. set the preferred criteria for your auto-invest portfolio,
2. take your earnings and reinvest them into other loan contracts,
3. fully automate the investment process without having to log in, manage your investments by changing auto-invest criteria or cancelling this option at any time.
In what currencies can I make an investment?
Currently investments are accepted in EUR.
Can I cancel my investments?
Unfortunately, approved investments cannot be cancelled. To get your funds back you need to wait until the loan agreement is closed or a Buyback Guarantee is activated.
What happens in case of borrower late or non-payments?
If the loan secured with the Buyback Guarantee is late for more than 30 days, the loan originator will repurchase particular loan at the nominal value of outstanding principal plus accrued interest income.
Please note that the Buyback Guarantee does not apply to business loans.
Do I also receive interest if the loan is extended?
Yes, you will always receive interest for the whole period when your funds are invested in the loan - actual loan term as well as delayed period and/or extension period (if such).
What are loan types available on the platform?
Currently, VIAINVEST lists 4 types of loans:
Short-term loan - fixed-term consumer loan with a maturity that varies between 7 to 30 days. The borrower is required to repay the full loan amount within the set loan term or to extend the loan term. In the case of delay, the Buyback Guarantee comes into the force on the 61st delayed day. VIAINVEST lists short-term loans issued in Poland and Spain.
Installment loan - a consumer loan with a maturity that varies from 3 to 12 months. The borrower is required to repay the loan within the set term by making constant monthly payments. In the case of delay, the Buyback Guarantee comes into the force on the 61st delayed day. VIAINVEST lists instalment loans issued in Latvia.
Credit line - a consumer loan with an open-ended agreement. The borrower may choose the repayment terms - either to repay the full loan amount after 30 days or to make monthly payments until the full amount borrowed is repaid. For VIAINVEST investor this means that in case of full repayment after 30 days everything happens the same as with short-term loans, but if the borrower makes monthly payments, the investor receives a part of the invested principal and earned interest every month (with every payment the borrower has made). The borrower may also raise the loan amount during the repayment process. In the case of delay, the Buyback Guarantee comes into the force on the 61st delayed day. VIAINVEST lists credit lines loans issued in Latvia, Sweden, Romania and Czechia.
Business loan - a business loan issued to the legal entity for business development project. Business loans offer higher risk degree investment opportunities and are NOT secured with the Buyback Guarantee, however, there may be another type of security provided, for example, collateral.
When investing in short-term loan, installment loan or credit line, investor can exit investment after 120 days since the investment date. This does not apply to business loans.
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.
*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.