Profitus Review 2026

Last Update: 13 July 2026

What is Profitus?

Profitus is a Lithuania-based P2P platform that has been operating under the legal name ‘UAB, Profitus Crowdfunding’ since August 2024 (previously: ‘UAB, Sutelktinio finansavimo platforma PROFITUS’). On the platform, which had its operational launch in August 2018, investors can invest in mortgage-backed commercial loans and achieve a return of up to 14%.

The geographical focus is on the Lithuanian domestic market. However, the increasing internationalisation of the platform means that the offering is also growing in other Baltic countries and in Spain.

The platform has been regulated and supervised by the Central Bank of Lithuania since its inception. In addition, Profitus received the European Crowdfunding Licence (ECSP) in November 2023, allowing the platform to offer its services under uniform framework conditions throughout the EU.

Profitus at a Glance

All key facts and figures about Profitus at a glance.

The Origin Story

Viktorija Cijunskyte, one of the two co-founders of Profitus, has developed an interest for real estate projects early in her career. After working for a brokerage firm for a year, she decided to pursue her own business and set up her own agency.

At the same time, she also founded a real estate development company, in which the later Profitus partner, Mindaugas Vanagas, was also involved.

Several aspects came together which then led to the foundation of Profitus: On one side there were retail investors who wanted to know how to invest in real estate. On the other side there have been developers who asked for financing options and debt capital. The final piece of the puzzle came together at the real estate fair MIPIM in Cannes 2015, where Viktorija learned about the crowdfunding model.

In 2017, the company “UAB Sutelktinio finansavimo platforma PROFITUS” was founded. The platform started its operational activities in August 2018, approximately one year after its establishment.

Below is a podcast episode with Viktorija Cijunskyte, which was recorded in March 2023:

Business Model

How does Profitus earn money? Profitus monetizes itself primarily through a commission fee charged to borrowers upon successful project financing. This can range from 0.5% to 8% of the loan amount.

In addition, an administrative fee is also charged, which ranges from 0.1% to 0.2% per month. Since Profitus is quite transparent about their fee structure, investors can take a look at the price list themselves.

Profitus On-Site Visit

In June 2024, I visited Profitus in Vilnius. During my visit, I had the opportunity to meet the new CEO Lina Maskoliūnė in person, who left a thoroughly competent and professional impression. The conversation covered a range of topics, including the platform’s financing structure, the growing importance of institutional capital, the dominant market position in Lithuania and the internationalisation strategy across Estonia, Latvia and Spain.

Also noteworthy was the insight into the borrower structure: The repeat rate among Lithuanian real estate developers on the platform is said to be approximately 90%. 

Profitus News

P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Profitus on my P2P lending news page, where I cover other P2P platforms as well.

Alternatively, you can subscribe to my Telegram channel or WhatsApp group (both free of charge) to receive real-time updates as soon as new developments emerge.

Shareholder and Management

Who are the main shareholders and management executives behind Profitus? Let’s have a look!

Profitus Shareholder

The two shareholders of Profitus, who each own 50% of the shares in the company, are Viktorija Cijunskyte (CEO) and Mindaugas Vanagas. Both are Lithuanian citizens and long-time business partners.

The registered name of the P2P platform is “UAB Sutelktinio finansavimo platforma Profitus”. This in turn belongs to the company “UAB Sėkmingas valdymas”. 

In October 2023, Profitus completed a funding round of EUR 532,000, in which both natural persons and legal entities invested. The money will be used to expand in new markets such as Latvia and Spain.

Profitus Management

For a long time, the Profitus team was led by founder Viktorija Cijunskyte. In August 2024, Lithuanian Lina Maskoliūnė took over her position and became the CEO of Profitus.

Lina has been a part of the Profitus team since October 2022, focusing in particular on the strategic growth of the platform in other markets.

Her CV includes an MBA and years of experience as Managing Director for a co-working space in Vilnius. In June 2024, during my stay in the Baltic States, I was able to meet Lina in person and gained a thoroughly competent and professional impression of her.

You can find more information about the current 31 employees at Profitus on this page.

Investing on Profitus

How does Profitus work and what should investors know and consider when investing on the plaform? In the following sections of my Profitus review you will find all the necessary information that you need.

Loan Offering

Profitus offers mortgage-backed real estate loans on their platform. Most of them come with a first-ranking collateral. Additionally, there may be guarantees from individuals or legal entities as an extra layer of security.

It is important to note that Profitus acts as an intermediary between borrowers and investors. This means the credit agreements are made with the borrower and not with the platform. So if Profitus had to file for insolvency, the receivables would continue to exist.

The loan terms are between 3 and 36 months. The loan-to-value ratio (LTV) is 66%.

The majority of the loans offered on Profitus come from the Lithuanian home market. Due to a geographic expansion in recent years, investors can also explore opportunities in Spain, Estonia and Latvia. 

Costs and Fees

There are no costs or hidden fees for investors on Profitus. The registration on Profitus is free of charge as well as investing on the platform itself. 

At the moment, only two cost factors might be charged to investors. The first is a transaction fee of 2%, which is charged if loans are sold prematurely via the secondary market. Secondly, a withdrawal fee of EUR 1.88 is charged if investors make more than one withdrawal per month.

Expected Returns

Profitus states an average expected return of 12.14%. This number seems exaggerated, as most of the loans offered on the platform only have an interest rate of around 10%.

This experience is also reflected in my personal return on Profitus. After more than a year as an active investor, my total return stands at 8.60%.

Auto Invest

In September 2024, Profitus introduced ‘RoboInvest’, a modified form of the classic Auto Invest function. What exactly is RoboInvest and how does it work?

With RoboInvest, investors have the option of making automated settings for the selection of suitable loans. Different selection options are available depending on the minimum investment amount.

RoboInvest Start: For a minimum investment amount of EUR 100, the following criteria, among others, can be selected and set: The investment amount (minimum EUR 100), loan term (3 to 36 months), interest rate (4% to 20%) and risk category (1 to 10).

RoboInvest Grow: For a minimum investment amount of EUR 300, the following criteria can also be selected and set: The project rating and the borrower country.

RoboInvest Pro: For a minimum investment amount of EUR 700, the following criteria can also be selected and set: The investment purpose of the loan and the collateralisation.

Liquidity

The commercial loans secured by real estate have an average term of 12 months. This is an average period for this segment. Those who need more liquidity can also use the platform’s secondary market that has been established in January 2022. On the secondary market, loans can be sold prior maturity in exchange for a 2% transaction fee.

Note: Since the relaunch of the platform in May 2023, the secondary market is temporarily unavailable.

Profitus Taxes

Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration.

As a Lithuania-based P2P platform, Profitus is legally obliged to withhold 15% taxes on interest income earned. This is automatically retained by the platform. Depending on the investors residency, the withholding tax can be reduced to 10%, when using the “DAS-1 form”.

As there is a double taxation treaty between Lithuania and many European countries, the withholding tax withheld can be offset. This is therefore not paid twice.

Through the dashboard, investors can pull an investment statement where the income earned on Profitus is listed.

Profitus Risks

Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Profitus? Where are the underlying risks and how are they assessed?

The platform itself offers an initial overview. In this document Profitus lists a number of possible risks. These include general investment risks, influences due to the economic situation in Lithuania, poor performance or liquidity risks.

Platform Risk

The platform, operated by the Lithuanian company “UAB Profitus Crowdfunding”, launched operations in August 2018. In its home market, the platform is supervised and monitored by the Lithuanian Central Bank.

Regulation and Licence

In November 2023, the Lithuanian Central Bank approved the licence allowing Profitus to operate as a service provider under the European Crowdfunding Regulation (ECSP). This enables the platform to offer its services across the EU under a unified regulatory framework, without requiring a separate authorisation in each member state.

Unlike MiFID II-regulated platforms, investors have no entitlement to compensation through an investor compensation scheme. Loan defaults or a potential insolvency of borrowers are also not covered by the regulation.

The ECSP regulation does, however, prohibit platforms from listing projects connected to affiliated companies or insiders. Through its regulatory status, Profitus is also required to meet a high standard of compliance and transparency, including the publication of audited financial reports.

Segregation of Funds and Deposit Protection

The ECSP licence requires Profitus to maintain a strict separation between investor funds and the company’s own operating funds. For this purpose, the platform works with Lemonway. This means that in the event of Profitus ceasing operations, investors retain access to their funds and loan repayments can continue in an orderly manner.

Investments offered through Profitus are not covered by a national or European deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.

Financial Stability

The financial stability of a P2P platform is a key risk factor. Is Profitus already able to operate profitably? And how well is the company positioned financially?

Profitus does not publish its own financial statements for investors. The only available financial data can be obtained from the Lithuanian company register.

Accordingly, the P2P platform generated a revenue of EUR 3.29 million in 2024, with a net loss of EUR 562,000. In addition, the equity position turned negative for the first time, amounting to EUR 122,585.

Risk Assessment

The loans offered on Profitus are 100% mortgage-backed. In most cases, also with first-ranking collaeral. The average loan-to-value (LTV) ratio is 66%.

To minimize the risk of loan defaults, Profitus gathers a range of different information from public registers and credit rating companies.

After that, the platform evaluates the business plan of the real estate developer and how he plans to return the funds to the investors. Profitus also evaluates the developer’s experience, the property and the location where the project is being developed.

After this evaluation, a decision is made whether the project will be funded or not. Out of 10 projects, only 3 make it to the funding stage on the platform. If the decision is positive, then the borrower is assigned with a rating from A+ to D. According to the platform, around 50% of the borrowers are repeated customers who finance their projects several times via Profitus.

Further details on how Profitus assesses and classifies credit risks can be found in this document.

Advantages and Disadvantages

In this section, I have listed the most important advantages and disadvantages of Profitus.

Summary Profitus Review

What is the final verdict of my Profitus review?

Profitus is a small and hidden gem in the P2P environment, which clearly deserves much more attention. The basic framework, consisting of regulation, strong financials and a stable loan portfolio, are good and strong pillars for a successful investment.

Those who do not mind the somewhat lower diversification, the limited Auto Invest feature, and the withholding taxes can add Profitus to their portfolio as a promising low-risk platform.

My personal test investment led to a satisfactory result in 2023 and 2024, with an overall performance of close to 9%.

Profitus Alternatives

Already invested in Profitus? Or looking for similar platforms? Here are three Profitus alternatives from the P2P market.

Crowdpear: A regulated crowdfunding marketplace based in Lithuania. Focus on mortgage-secured real estate loans from the Baltic region. Crowdpear was built by the same team behind the P2P marketplace PeerBerry and shares with Profitus both its regulatory status and its focus on the Lithuanian borrower market. More information in my Crowdpear review.

Estateguru: One of the oldest and most well-known real estate crowdfunding platforms in Europe, headquartered in Estonia. Similar to Profitus, Estateguru offers mortgage-secured business loans, however with a notably more international focus and a broader geographical diversification across multiple European markets. More information in my Estateguru review.

LANDE: A regulated crowdfunding marketplace based in Latvia. Focus on secured agricultural loans. Like Profitus, LANDE targets investors that are looking to invest in strongly secured loans with competitive return expectations. An interesting diversification opportunity outside of classical real estate lending. More information in my LANDE review.

You can find other Profitus alternatives in the P2P Platform Comparison page.

FAQ Profitus Review

Denny Neidhardt

denny@rethink-p2p.de | Webseite

I’m Denny Neidhardt, the founder of re:think P2P. On this blog, I help retail investors make smarter, well-informed investment decisions in the world of P2P lending. Since 2019, I’ve been publishing in-depth analyses, platform reviews, and risk assessments to bring more transparency to this investment space. My goal is to challenge marketing claims, question developments, and empower investors with honest, independent insights.

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