VIAINVEST

At a Glance

What is VIAINVEST in 60 Seconds

VIAINVEST is a Latvian platform, based in Riga and operating since 2016, that lets retail investors put money into consumer loans. Rather than offering raw loan claims, it packages the underlying lending into asset-backed securities, and it holds a MiFID II investment firm authorisation supervised by Latvijas Banka. The entry point is low, at €50, which keeps the platform accessible to newcomers.

Headline yields are quoted at up to 13.3%. As with any consumer-credit exposure, that figure reflects a return on lending to individual borrowers, so it carries the credit and repayment risks that come with that asset class. The regulated structure sets VIAINVEST apart from the many unlicensed operators in this segment, but it does not remove investment risk.

Strengths

• Authorised as a MiFID II investment firm and supervised by Latvijas Banka, which places it in a higher regulatory tier than unlicensed peers.
• Investments are structured as asset-backed securities rather than bare loan claims, giving a defined financial instrument.
• Low €50 minimum lowers the barrier to getting started and to spreading capital across positions.
• Established track record, having operated since 2016.
• Headline yields quoted up to 13.3%, competitive within the consumer-loan segment.

Things to Watch

• Yields are quoted as “up to” 13.3%, so the actual return you receive can be lower depending on the loans and performance.
• Consumer lending exposes you to borrower default; a MiFID II licence governs conduct and structure, it does not guarantee returns or capital.
• Investments are not covered by any deposit-guarantee scheme, so losses are borne by the investor.
• Returns and liquidity depend on the underlying loan book and the securitisation vehicle; understand the instrument before committing.

How It Works

VIAINVEST originates or sources consumer loans and repackages the exposure into asset-backed securities. When you invest, you are buying into a financial instrument whose performance tracks a pool of consumer credit, rather than holding a direct claim against a single borrower. Interest paid by borrowers flows through the structure to produce the yield offered to investors.

Because the platform operates as a MiFID II investment firm under Latvijas Banka, the securities model brings the arrangement inside a recognised investment-services framework, with the associated conduct and disclosure obligations. In practice, you should still read the terms of each instrument carefully, since the return and the return of your capital both depend on how the underlying borrowers repay.

Who Is It For

VIAINVEST suits investors who want consumer-loan exposure inside a regulated, securities-based wrapper, are comfortable with capital-at-risk lending, and can start small at €50 while treating the up-to-13.3% headline as a ceiling rather than a promise.

How It Compares

Within the crowded consumer-lending space, VIAINVEST sits toward the more formal end of the spectrum: many rivals operate as loan marketplaces with no investment-firm licence, whereas VIAINVEST wraps its lending in asset-backed securities under a MiFID II authorisation. That regulatory tier is a meaningful distinction against unlicensed originators, though it does not, on its own, make the platform lower risk than a diversified secured lender. Compared with property-backed or business-lending platforms, the exposure here is to unsecured consumer credit, which behaves differently across an economic cycle.

FAQ

Is VIAINVEST regulated? Yes. VIAINVEST operates as a MiFID II investment firm supervised by Latvijas Banka, the Latvian central bank and financial supervisor. This places conduct and disclosure obligations on the platform, but regulation does not guarantee your returns or protect your capital from investment losses.

What is the minimum investment? The minimum is €50, which makes the platform accessible for those starting out and allows capital to be spread across more than one position.

What returns can I expect? Headline yields are quoted at up to 13.3%. The “up to” wording matters: your realised return depends on the specific instruments and how the underlying consumer loans perform, so it can be lower.

How is my investment structured? You invest through asset-backed securities rather than holding direct loan claims. Your position tracks a pool of consumer loans, and both your income and the return of your capital depend on borrower repayment.

The Bottom Line

VIAINVEST earns its place at position #39 on the strength of a MiFID II licence and a securities-based structure that lift it clear of the unlicensed crowd, tempered by the ordinary risks of unsecured consumer lending and a yield figure quoted only as a ceiling. It is a credible option for investors who value regulatory standing and can start small, without expecting the top of the yield range as standard. Capital at risk. P2P lending is not covered by deposit-guarantee schemes.

Affiliate Disclosure

TopPulse is not an affiliate partner of VIAINVEST. Links go directly to the platform. This does not influence our editorial position.