Safe and reliable investments

Earn up to 12% annually with a diversified portfolio of European consumer loans

  • Borrowers

  • Lenders

  • VIAINVEST

  • Investors

Borrowers

Private individuals in search of alternative to traditional crediting options. Borrowers request funding from the VIASMS Group, the active contract automatically is then mirrored on VIAINVEST making it available for public investment.

Lenders

A group of private firms owned by the VIASMS Group that specialize in consumer lending. Lenders integrate with the VIAINVEST platform to reach investors willing to fund active loan contracts.

An intermediary platform connecting borrowers with investors by offering safe and transparent investment opportunities. No service fees or hidden costs are charged for using the platform.

Investors

Private individuals willing to invest an amount no less than €10 for a fixed period of time under the premise of earning interest on the principal amount.

Investing made simple

  • List of investments

    Review and filter the wide range of asset-backed securities available for investment.

  • Auto-invest

    Set your own investment criteria and fully automate the investment process.

  • Primary market

    Invest in asset-backed securities issued directly by Viainvest and backed by the VIA SMS Group loan originators.

  • Clear investment details

    Clear and detailed investment information is provided for each investment in the Base Prospectus and Final Terms.
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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.