I’ve decided 4 months ago to try out Viventor. It seemed like a good idea, mostly to compare it to my other accounts on Latvian p2p lending platforms: Mintos, Twino, Grupeer, PeerBerry.

At first glance, ignoring the yellow colour applied to everything, it just looks like a mini version of Mintos. The same primary and secondary markets, the same auto-invest, even some of the loan originators are the same.

The amount of loans available is decent, and currently, there are 1000 available loans on the primary market and around 4000 on the secondary market. So far, the 5000+ investors on the platform financed loans worth a bit over 60 million EUR.

The interest rates range from 6% to 15% and most of the loans come with a buyback guarantee or payment guaranteed policy. The payment guarantee is actually a better deal than Mintos offers, so an extra point added for Viventor.

Key features:

  • Loan types: Consumer Loans, Business Loans, Invoice Financing, Mortgage-backed Loans, Line of credit, Pawnbroking Loans
  • Loan terms: 1-60 months
  • Interest rates: 6-15%
  • Fees: no fees
  • Minimum investment: 10 EUR
  • Currency: EUR
  • Secondary market: yes
  • Auto-invest: yes
  • Buyback guarantee: yes

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My portfolio

  • Last update: April 2019
  • Started Investing: December 11th, 2018
  • Current value: 1017.51 EUR
  • Profit: 13.71 EUR
  • Rate of return: 13.91%

I kept adding funds from December to February until my portfolio reached a decent size. The payments are coming regularly. Viventor keeps adding loan originators and the interest rates are getting better.

Half of my funds are invested in invoice financing loans, while the other half is invested in business and consumer loans.

My rate of return increased since last month from 13.13% to 13.91% and I’ve also received 10.23 EUR in interest payments.

So, what is Viventor

Viventor launched their platform in 2015 and they offer consumer loans, business loans, invoice financing or loans secured by real-estate, issued by 3rd party loan originators across Europe.

(Loan originators are lending companies that publish a part of their loans on p2p lending platforms/marketplaces in order to free up operational capital and fund new loans).

All loans are in EUR currency, and the loan term ranges from 1 month to 5 years.

Can I start investing in Viventor

You need to have a bank account in the European Economic Area in order to register on the website and invest. The KYC process involves asking for a passport copy and a utility bill.

Adding funds

I’m using Revolut to transfer funds to Viventor. This is mainly because my local currency is not EUR and Revolut offers the best currency conversion rates on the market. Other payment platforms like Transferwise should work too.

How safe are my investments

As with any p2p lending platform, there’s a risk involved that your money will be lost.

Every p2p lending platform will tell you that. Are you prepared to lose all your money by investing on my website?

As if. I’m not really prepared, why would I invest 1000 EUR here to get only 10 EUR per month gain if I wanted to lose them? I just hope I’m smart enough and this won’t happen to me.

This being said, Viventor does offer some protective measures for its investors. See below.

Loan originator risk management

Viventor says it’s doing audits on all the lending companies it adds to the site, looking periodically at their financials. I do hope and trust they’re doing a good job.

Buyback guarantee

Most of the loans on the platform come with a buyback guarantee. If the payments are late by more than 30, 60 or 90 days (depending on the loan originator), the loan originator will buy back the loan shares from the investors at the original price and it will also pay the interest owed.

Payment guarantee

Only a few loans come with a payment guarantee. This means that even if the loan defaults, the loan originator will pay monthly instalments on behalf of the borrower until the end of the loan term. So, I’ll have a guaranteed income every month, regardless if the borrower is late with their payments. This is similar to the loans Twino offers, you can check out my review on Twino here.

Skin in the game

All loan originators are required to keep a stake of at least 5% of every loan they offer on the marketplace. This adds incentives to loan providers to do their due diligence when they issue loans.


This only applies to business and mortgage-backed loans. All of these need to provide collateral, and that’s usually some real-estate property. If the loan defaults, the real-estate property is used in order to recover the loan.

So how does the website look like

It’s yellow.

Some freakishly ugly mustard yellow I don’t know who decided it was a good idea to use.

That was the first thing that hit me when I registered on the website.

On the good side though, the website has a nice demo account where you can try out all the features it has before you decide to join. It shows the primary and secondary markets, the auto-invest options, how the loans look like, and a few other things.

You can test out the platform and loans with the demo account, and if you decide you like it, you register for a real account.

It’s the only platform I know so far that offers a demo account to play with, and I like the idea. If you’re new to p2p lending, it’s a good place to learn about the ins and outs of the trade.

The primary market

This is where you select the loans you want to invest in.

viventor loans

The secondary market

It looks similar to the primary market and has a bit more loans available here (~5000). There’s not much room for speculation on the secondary market though, it only lets you set a maximum of 1% premium on the loans you want to sell.

sell investment on viventor

Anyway, it’s still a good place to exit your investment earlier.


One of the things I’m looking for in a p2p lending site is if they have or not an auto-invest tool.

Since the minimum investment amount in a loan is 10 EUR, I do want to take advantage of that and spread my investments into as many loans as possible. I want to do this in order to reduce my risks.

It would be time-consuming to do this manually, and this is where the auto-invest tool comes in handy.

The same 9 filters are available for the auto-invest profile setup. I don’t know if the auto-invest tool will pick up the best loans available on the market or not, the website is only saying it will select the first loans it finds on the primary market.

viventor autoinvest


There’s not much love around Viventor. They don’t issue flashy press releases, their social media presence is minimal, and their blog contains laconic posts like “KFP24 joins Viventor“.

However, they keep growing steadily. They issued so far almost 80 million EUR in loans and each month they issue a bit more loans than the previous month.

There are more than 5000 investors active on the platform and their number is also growing.

The more I use it, the more I like Viventor. My expected return rate is almost 14%, which is really great. The buyback guarantee feature makes me not care if the loan payments are late. I’ll get paid for the late period as well.

These are the top 3 features I like:

  • Loan interest rates are good and they’re getting better by the month
  • Buyback guarantee also includes the interest payments
  • The user interface is a lot simpler to use than the one Mintos has

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1 Comment

Roxanne · July 13, 2019 at 7:46 am

It works quite well for me

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