{"id":15282,"date":"2020-09-08T06:00:00","date_gmt":"2020-09-08T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/viainvest-experience-2023-360-degree-analysis-evaluation\/"},"modified":"2026-09-28T17:56:56","modified_gmt":"2026-09-28T15:56:56","slug":"viainvest-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/viainvest-review\/","title":{"rendered":"Viainvest Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Viainvest is a Latvian P2P platform on which investors can invest in buyback-secured consumer loans and earn a return of up to 13%. The platform launched operations in December 2016.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform belongs to the VIA SMS Group, a fintech company that was established in 2009 and that offers a range of different financial services in addition to Viainvest.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is operated by SIA Viainvest, which has been regulated by the Latvian financial supervisory authority under MiFID II since 2021.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">No defaults or repayment delays, combined with attractive interest rates. With this formula, investors were able to achieve an annual return above 10% since the platform&#8217;s launch.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6acaa7d0e12d9{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6acaa7d0e12d9:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6acaa7d0e12d9 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6acaa7d0e12d9\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Viainvest.png\" alt=\"Viainvest\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/429;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Viainvest.png\" alt=\"Viainvest\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:70%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3.5)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 0.5% cashback on their average daily investment balance during the first 90 days after successful registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6acaa7d0e12d9\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-viainvest\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I was invested in Viainvest with my own funds from April 2019 to March 2026. Over this period, I achieved a total return (XIRR) of 11,15%. At the moment, I hold no active investment on the platform.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>What is <\/strong><strong>Viainvest?<\/strong><\/h2>\r\n<p><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-viainvest\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10283 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/VIAINVEST-Bonus.jpg\" alt=\"viainvest-logo\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10283 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/VIAINVEST-Bonus.jpg\" alt=\"viainvest-logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Viainvest is a regulated P2P platform from Latvia where investors can benefit from a variety of international short-term consumer loans, while earning a return of up to 13%.<\/p>\r\n<p>The platform is part of the Latvian <strong><a href=\"https:\/\/viasmsgroup.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">VIA SMS Group<\/a><\/strong>, a holding company that was founded in 2009. The group offers a range of different financial products and services. In addition to Viainvest and the expanding lending operations, this also includes the digital payment platform VIALET. Over the past decade, the Group has managed to build and establish a profitable business model in one of the most strictly regulated loan segments.<\/p>\r\n<p>Since September 2021, the platform is supervised and controlled by the financial authority in Latvia and regulated in accordance with MiFID II. This means that investors&#8217; accounts of up to EUR 20,000 are protected against misappropriation or insolvency of the platform by the investor compensation system.<\/p>\r\n<p>The popularity of the Viainvest platform is regularly reflected within the annual community voting. One reason for this is that Viainvest &#8211; despite some inconsistencies in the past &#8211; has always made reliable repayments and has not yet incurred any losses for investors.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Viainvest at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Viainvest at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>August 2016 \/ December 2016<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>SIA Viainvest (<a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/40203015744\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Riga, Latvia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>Yes (Financial and Capital Market Commission)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/eduards-lapkovskis\/\" target=\"_blank\" rel=\"noopener\"><strong>Eduards Lapkovskis<\/strong><\/a> (December 2016)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>Not Available<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>Not Available<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>Up to 13%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>5.4 \/ 10 (Rank 21 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3>Business Model<\/h3>\r\n<p>SIA VIAINVEST is a licensed investment brokerage company and not a classic P2P platform in the sense of direct loan origination. The platform therefore operates as an intermediary and is subject to MiFID II requirements.<\/p>\r\n<p>The company is financed exclusively through commission income. In the 2025 financial year, Viainvest generated revenue of EUR 1.54 million, of which EUR 1.48 million came from platform commissions. This means loan originators pay a fee in order to raise funding via the P2P platform.<\/p>\r\n<h3>Viainvest On-Site Visit<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22783 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting.jpg\" alt=\"Viainvest-Review-Onsite-Meeting\" width=\"500\" height=\"626\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting-240x300.jpg 240w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/626;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22783 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting.jpg\" alt=\"Viainvest-Review-Onsite-Meeting\" width=\"500\" height=\"626\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-vor-Ort-Viainvest-Review-Onsite-Meeting-240x300.jpg 240w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>In the past, there have been two in-person meetings with the Viainvest team in Riga. The first took place in March 2019. At the time, I spoke with Platform Lead Simona Lucatniece about the strategic direction of the VIA SMS Group and the development of the individual loan markets. Despite the last-minute cancellation of the originally planned conversation partner, it was an open and productive exchange.<\/p>\r\n<p>The second meeting took place in June 2024. The main conversation was with Supervisory Board member Tatjana Kulapina. We discussed topics including the IT issues encountered during the licensing phase, the effort involved in producing the regulatory investment prospectuses and the platform&#8217;s future strategy. The discussion around transparency standards in the P2P space was notably more contentious, with differing views on both sides.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">VIAINVEST News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on VIAINVEST on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">11. May 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/viainvest-annual-report-2025\/\" onclick=\"event.stopPropagation()\">VIAINVEST Annual Report 2025<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Unfortunately, there are no longer any consolidated financial statements available for the VIA SMS Group. Therefore, the focus is now on SIA VIAINVEST, whose reports have been audited by BDO Assurance and prepared in accordance with IFRS standards since 2022.<\/p>\n<p>The VIAINVEST platform has remained consistently profitable in recent years. In 2025, a profit of EUR 228,361 was achieved. The decline in profit compared to the previous year, despite stable revenue income, is mainly due to increased investment in platform development and higher employee expenses.<\/p>\n<p>The balance sheet was strengthened through retained earnings and a capital increase of EUR 800,000, bringing equity to EUR 2.21 million. All key financial ratios are in a very solid range and are above average for a P2P platform of this size.<\/p>\n<\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Viainvest? Let&#8217;s have a look!<\/p>\r\n<h3>Viainvest <span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Viainvest? The platform is operated by the Latvian &#8220;SIA Viainvest&#8221;, which in turn is owned by the Latvian company AS VIA SMS Group. A look at the Latvian company register reveals that the parent company is currently owned by two shareholders:<\/p>\r\n<ul>\r\n<li>80% of the shares belong to &#8220;RED HOLDING&#8221;, which is owned by the Latvian Georgijs Krasovickis.<\/li>\r\n<li>20% of the shares belong to &#8220;Financial Investment&#8221;, which is owned by the Latvian Andris Riekstins.<\/li>\r\n<\/ul>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22769 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership.png\" alt=\"Viainvest-Review-Ownership\" width=\"1000\" height=\"336\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership-300x101.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership-768x258.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/336;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22769\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership.png\" alt=\"Viainvest-Review-Ownership\" width=\"1000\" height=\"336\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership-300x101.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Gesellschafter-Viainvest-Review-Ownership-768x258.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p><a href=\"https:\/\/www.linkedin.com\/in\/georgijs-krasovickis-0b8a652a\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Georgijs Krasovickis<\/strong><\/a> is one of the founding members of the company. At the same time, he is also obtaining one of three board member roles. Behind &#8220;SIA Financial Investment&#8221; is the 52-year-old Latvian <a href=\"https:\/\/www.linkedin.com\/in\/andris-riekstins\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Andris Riekstins<\/strong><\/a>. He ownes 20% of the shares in the company since 2012.<\/p>\r\n<h3>Viainvest Management<\/h3>\r\n<p>SIA Viainvest has a slightly different corporate structure to many other P2P platforms. Instead of a traditional CEO, there are three Supervisory Board members. Chairman of the board is Latvian Eduards Lapkovskis. He has been working for the VIA SMS Group since March 2010.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22772 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management.png\" alt=\"Viainvest-Review-Management\" width=\"1000\" height=\"441\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management-300x132.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management-768x339.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/441;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22772\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management.png\" alt=\"Viainvest-Review-Management\" width=\"1000\" height=\"441\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management-300x132.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Management-Viainvest-Review-Management-768x339.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Investors can look at the other team members on the website of the Viainvest platform.<\/p>\r\n<hr \/>\r\n<h2>Sign Up and Bonus<\/h2>\r\n<p>To invest on Viainvest, investors must meet three requirements:<\/p>\r\n<ul>\r\n<li>A minimum age of 18 years,<\/li>\r\n<li>a residence in the European Economic Area<\/li>\r\n<li>and a European bank account.<\/li>\r\n<\/ul>\r\n<p>The registration process at Viainvest is fairly simple and intuitive.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19149 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung.jpg\" alt=\"Viainvest-Review-Sign-Up\" width=\"1000\" height=\"146\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung-300x44.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung-768x112.jpg 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/146;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19149\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung.jpg\" alt=\"Viainvest-Review-Sign-Up\" width=\"1000\" height=\"146\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung-300x44.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/viainvest-erfahrungen-2024-anmeldung-768x112.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<ul>\r\n<li>Entering the profile information (including name, email, password)<\/li>\r\n<li>Entering personal information (e.g. address, date of birth, ID card details)<\/li>\r\n<li>AML &amp; KYC questionnaires<\/li>\r\n<li>Final verification of identity (via Veriff)<\/li>\r\n<\/ul>\r\n<p>Currently, legal entities can&#8217;t register on Viainvest.<\/p>\r\n<h3>Viainvest Bonus<\/h3>\r\n<p><span style=\"color: #000000;\"><\/span><\/p>\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><strong>Investing on Viainvest<\/strong><\/h2>\r\n<p>How does Viainvest work and what should investors know and consider when investing on the plaform? In the following sections of my Viainvest review you will find all the necessary information that you need.<\/p>\r\n<h3>Asset-Backed Securities<\/h3>\r\n<p>On 28 September 2021, Viainvest obtained an IBF licence and became a regulated platform by the Financial and Capital Market Commission (FCMC). As a result, investors no longer invest in loans structured in the form of assignment agreements, but in a regulated financial product, in short: ABS (asset-backed securities). This is a combined bundle of several individual loans. However, the default risk remains unchanged.<\/p>\r\n<h3>Loan Offering<\/h3>\r\n<p>The ABS on Viainvest are primarily private and unsecured consumer loans. These are pre-funded by individual non-bank lenders affiliated with the VIA SMS Group.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19151 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities.png\" alt=\"Viainvest-Review-Asset-Backed-Securities\" width=\"1000\" height=\"356\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities-300x107.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities-768x273.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/356;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19151\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities.png\" alt=\"Viainvest-Review-Asset-Backed-Securities\" width=\"1000\" height=\"356\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities-300x107.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kredite-Asset-Backed-Securities-768x273.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The borrower countries are mainly located in Europe. These include Latvia, Sweden, Czech Republic and Romania. The outstanding portfolio on Viainvest is currently distributed as follows:<\/p>\r\n<ul>\r\n<li><strong>Latvia:<\/strong> 69.11% (viasms.lv)<\/li>\r\n<li><strong>Sweden:<\/strong> 24.53% (viaconto.se)<\/li>\r\n<li><strong>Czech Republic:<\/strong> 5.14% (viasms.cz)<\/li>\r\n<li><strong>Romania:<\/strong> 1.22% (viaconto.ro)<\/li>\r\n<\/ul>\r\n<p>The term of the loans is usually up to 182 days. In some cases, the term can also be up to 365 days.<\/p>\r\n<h3>Costs and Fees<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19153 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees.png\" alt=\"Viainvest-Review-Fees\" width=\"500\" height=\"100\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees-300x60.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/100;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19153 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees.png\" alt=\"Viainvest-Review-Fees\" width=\"500\" height=\"100\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Viainvest-Erfahrungen-Kosten-Gebuhren-Fees-300x60.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>There are no fees or hidden costs for retail investors on Viainvest. Neither for deposits or withdrawals, nor for the functionalities when investing on the platform. Compared to many other P2P lending platforms, this is unfortunately not the standard anymore.<\/p>\r\n<h3><strong>Expected Returns<\/strong><\/h3>\r\n<p>The interest rates on Viainvest can vary depending on the borrower country and market phase. In general, interest rates range between 10% and 13%. This can be considered a competitive interest rate appropriate to the underlying risk.<\/p>\r\n<p>Based on my Viainvest experiences as an active investor, I can confirm the reliable return expectation in the double-digit percentage range.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-26842 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025.png\" alt=\"Viainvest-Review-Return\" width=\"1000\" height=\"420\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025-300x126.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025-768x323.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/420;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-26842 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025.png\" alt=\"Viainvest-Review-Return\" width=\"1000\" height=\"420\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025-300x126.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/Viainvest-Erfahrungen-Rendite-Viainvest-Review-Return-Viainvest-Opiniones-2025-Viainvest-Avis-2025-768x323.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>My personal return on Viainvest, after 6+ years with the platform, is at 11.17%.<\/p>\r\n<h3>Auto Invest<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22780 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review.png\" alt=\"Viainvest-Review-Auto-Invest\" width=\"400\" height=\"554\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review-216x300.png 216w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/554;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22780\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review.png\" alt=\"Viainvest-Review-Auto-Invest\" width=\"400\" height=\"554\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Auto-Invest-Viainvest-Review-216x300.png 216w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>Investors can invest in ABS either manually or via Auto Invest functionality. Within the auto invest feature, certain investment criteria can be defined in advance and later on the returns are automatically reinvested.<\/p>\r\n<p>The Viainvest Auto Invest allows the following settings to be configured:<\/p>\r\n<ul>\r\n<li><strong>Minimum investment amount:<\/strong> From EUR 50<\/li>\r\n<li><strong>Interest rate:<\/strong> Up to 13%<\/li>\r\n<li><strong>Loan term:<\/strong> Up to 365 days<\/li>\r\n<li><strong>Borrower countries:<\/strong> Latvia, Sweden, Czech Republic, Romania\u00a0<\/li>\r\n<li><strong>Buyback guarantee:<\/strong> Automatically applied<\/li>\r\n<\/ul>\r\n<p>There is currently no secondary market at Viainvest. This means that the loans cannot be sold before the end of the term.<\/p>\r\n<p>However, due to the short loan terms, a secondary market is only necessary to a limited extent.<\/p>\r\n<h3>Buyback Guarantee<\/h3>\r\n<p>Also Viainvest is offering the frequently used buyback guarantee. As soon as a borrower fails to make a payment on time, the lender is obliged to buy back the loan after 60 days of delayed repayments.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18251 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie.png\" alt=\"Viainvest-Review-Buyback-Guarantee\" width=\"968\" height=\"334\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie.png 968w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie-300x104.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie-768x265.png 768w\" data-sizes=\"(max-width: 968px) 100vw, 968px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 968px; --smush-placeholder-aspect-ratio: 968\/334;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18251\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie.png\" alt=\"Viainvest-Review-Buyback-Guarantee\" width=\"968\" height=\"334\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie.png 968w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie-300x104.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Viainvest-Erfahrungen-Ruckkaufgarantie-768x265.png 768w\" sizes=\"(max-width: 968px) 100vw, 968px\" \/><\/noscript><\/a><\/p>\r\n<p>The buyback guarantee covers both the capital and the accrued interest. To date, Viainvest has always honored this obligation.<\/p>\r\n<hr \/>\r\n<h2><strong>Viainvest Taxes<\/strong><\/h2>\r\n<p>In principle, interest income generated by loan financing is considered investment income and must be reported as such in the tax declaration. After obtaining the investment brokerage firm license in 2021, Viainvest is now legally required to also withhold taxes on interest income that is collected through regulated financial instruments.<\/p>\r\n<p>The applied tax rate is based on the country of tax residency and the tax information that are submitted.<\/p>\r\n<ul>\r\n<li>20% for investors from Latvia<\/li>\r\n<li>20% for investors outside the EU or EEA<\/li>\r\n<li>5% for investors with residency in the EU or EEA (except Latvia)<\/li>\r\n<li>0% for investors from Lithuania (tax certificate required)<\/li>\r\n<li>0% for legal entities<\/li>\r\n<\/ul>\r\n<p>When paying taxes in your country of residence, the withheld taxes can usually be deducted from the overall balance. This means that the effective taxation rate will be the same as it has been before when investing into claim rights. To get access to the relevant data, Viainvest offers to download tax reports and income statements from the platform.<\/p>\r\n<hr \/>\r\n<h2><strong>Viainvest Risks<\/strong><\/h2>\r\n<p>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 Viainvest? Where are the underlying risks and how can they be assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>Viainvest, operated by SIA Viainvest, has been active in the P2P market since December 2016 and therefore has a comparatively long track record. In its home market, the platform is supervised and monitored by the Latvian Central Bank (Latvijas Banka).<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 21 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">5.4<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:90%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">18 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:40%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">10 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:64%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">16 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--bad\">-5<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster C: Unilateral Contract Changes <span class=\"ss-rf-cluster-pts\">(-5)<\/span><\/div>\n        <div class=\"ss-rf-item\">Retroactive contract changes (FKTK fine) <span class=\"ss-rf-pts\">-5<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Regulation and Licence<\/h4>\r\n<p>Since September 2021, SIA Viainvest has held an <strong><a href=\"https:\/\/www.bank.lv\/aktualitates-banklv\/zinas-un-raksti\/jaunumi\/16406-sia-viainvest-izsniegta-licence-papildinata-ar-jaunu-ieguldijumu-pakalpojumu\">Investment Brokerage Licence<\/a><\/strong> issued by the Latvian Central Bank. Through its regulatory status, the platform is subject to the requirements of the Markets in Financial Instruments Directive (MiFID II).<\/p>\r\n<p>As a result, investor accounts are protected by up to EUR 20,000 (90% of net loss) through the Latvian investor compensation scheme, in the event of platform insolvency or misappropriation of investor funds. Potential defaults by loan originators are not covered by this scheme.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22775 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management.png\" alt=\"Viainvest-Review-Risk-Management\" width=\"1000\" height=\"401\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management-300x120.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management-768x308.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/401;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22775\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management.png\" alt=\"Viainvest-Review-Risk-Management\" width=\"1000\" height=\"401\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management-300x120.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Risiko-Viainvest-Review-Risk-Management-768x308.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Through its regulatory status, Viainvest is also required to meet a high standard of compliance and transparency, including the regular <strong><a href=\"https:\/\/viainvest.com\/investor-relations\/\">publication of audited financial statements<\/a><\/strong>.<\/p>\r\n<p>The transition to a regulated entity did, however, reveal several shortcomings, including discrepancies in account balances, retroactive changes to buyback guarantees and unauthorised changes to Auto Invest settings. In October 2022, the Latvian financial supervisory authority consequently <a href=\"https:\/\/viainvest.com\/blog\/sia-viainvest-has-concluded-an-administrative-agreement-with-fcmc\/\"><strong>imposed a fine of EUR 21,000<\/strong><\/a>, along with additional requirements.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Under MiFID II regulation, Viainvest is required to keep investor funds separate from the platform&#8217;s own assets. In the event of insolvency, these funds are protected from enforcement proceedings and cannot be used to settle claims against third parties.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a 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.<\/p>\r\n<h4>Viainvest in Crisis Situations<\/h4>\r\n<p>In the past, Viainvest had to navigate several crisis situations, including the COVID-19 pandemic and the war in Ukraine.<\/p>\r\n<p><strong>COVID-19 Pandemic:<\/strong> Internally, approximately 10% of staff had to be let go. For investors, there were no negative consequences: The buyback guarantee was maintained and withdrawal requests were processed immediately. Economically, however, the pandemic did leave its mark. After seven consecutive profitable years, 2020 closed with a loss of EUR 280,000.<\/p>\r\n<p><strong>War in Ukraine:<\/strong> The war in Ukraine had no direct impact on the platform. The decision not to operate in CIS markets had been made deliberately, in order to avoid geopolitical risks and currency fluctuations.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Viainvest able to operate profitably? And what conclusions can be drawn from the balance sheet?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/viainvest.com\/uploads\/annual_report\/viainvest-annual-report-2025-lv.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tSIA Viainvest \u2013 Annual Report 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: BDO Assurance SIA<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Established and independent audit firm (Top 10 worldwide).<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-green\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: IFRS<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Internationally recognised standard. Transparent and comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>The financial statements of SIA VIAINVEST have been reviewed by BDO Assurance since 2022 and audited in accordance with IFRS standards. The results can be downloaded from the <a href=\"https:\/\/viainvest.com\/de\/company\/legal\" target=\"_blank\" rel=\"noopener\"><strong>legal page<\/strong><\/a>.<\/p>\r\n<h4>Profitability<\/h4>\r\n<p>The VIAINVEST platform has remained consistently profitable in recent years. In the 2025 financial year, a profit of EUR 228,361 was generated.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34221 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026.png\" alt=\"Viainvest-Review-Profitability\" width=\"1200\" height=\"361\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026-300x90.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026-1024x308.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026-768x231.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/361;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34221\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026.png\" alt=\"Viainvest-Review-Profitability\" width=\"1200\" height=\"361\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026-300x90.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026-1024x308.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Profitabilitat-Viainvest-Review-Profitability-Viainvest-Opiniones-Rentabilidad-Viainvest-Avis-Rentabilite-2026-768x231.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p>The decline in profit compared to the previous year, despite stable revenue income, can mainly be attributed to two factors: First, depreciation expenses increased from EUR 9,130 to EUR 305,594, which was a direct result of investments in platform development. Second, employee expenses also increased by approximately EUR 209,000. The additional expenses were therefore largely investment-related, while revenue remained stable and the operational core of the business appears healthy.<\/p>\r\n<h4>Balance Sheet<\/h4>\r\n<p>Equity increased by EUR 800,000 to EUR 2,213,605 in the 2025 financial year, mainly due to a capital increase by the parent company AS VIA SMS Group as well as retained earnings from the previous year amounting to EUR 724,430. As a result, the equity ratio reached an exceptionally high level of 88.5%.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34225 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026.png\" alt=\"Viainvest-Review-Balance-Sheet\" width=\"800\" height=\"414\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026-300x155.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026-768x397.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/414;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-34225\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026.png\" alt=\"Viainvest-Review-Balance-Sheet\" width=\"800\" height=\"414\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026-300x155.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/05\/Viainvest-Erfahrungen-Bilanz-Viainvest-Review-Balance-Sheet-Viainvest-Opiniones-Balance-General-Viainvest-Avis-Bilan-2026-768x397.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<p>The debt-to-equity ratio is also extremely low at 0.13. In other words, for every EUR 1 of equity, the company has only EUR 0.13 in liabilities. The balance sheet contains no long-term liabilities, only short-term operational obligations. The liquidity ratio is also very comfortable at 3.42. Current assets are therefore able to cover short-term liabilities by more than three times.<\/p>\r\n<p>Overall, VIAINVEST has a conservative and debt-free financing structure combined with stable revenue streams. For a P2P platform of this size, the balance sheet quality is exceptionally strong.<\/p>\r\n<hr \/>\r\n<h3>Lender Risk<\/h3>\r\n<p>Even if the platform operates in a supposedly safe environment, the expected return on Viainvest is largely dependent on the performance of the individual lenders. How should this risk be assessed?<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Lender<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Year<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audited<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>Equity<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidity<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Losses<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"via sms lv\">VIA SMS (LV)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/cdn.viainvest.com\/53544dc1-c1c6-4e3b-89b7-a28eea88d4f9.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"2619504\">EUR 2.6M<\/td><td class=\"stabil\" data-sort=\"4.8\">4.8%<\/td><td class=\"risiko\" data-sort=\"13.7\">13.7%<\/td><td class=\"risiko\" data-sort=\"1\">1.00<\/td><td class=\"stark\" data-sort=\"4.9\">4.9%<\/td><td class=\"stabil\" data-sort=\"77\">77<\/td><\/tr><tr><td data-sort=\"via sms cz\">VIA SMS (CZ)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/cdn.viainvest.com\/26a37f00-b494-4c09-bf56-51fe126f7950.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"kritisch\" data-sort=\"-12213\">EUR (12K)<\/td><td class=\"kritisch\" data-sort=\"-0.3\">(0.3%)<\/td><td class=\"mittel\" data-sort=\"19.7\">19.7%<\/td><td class=\"mittel\" data-sort=\"1.13\">1.13<\/td><td class=\"stark\" data-sort=\"2.4\">2.4%<\/td><td class=\"risiko\" data-sort=\"54\">54<\/td><\/tr><tr><td data-sort=\"viaconto se\">Viaconto (SE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/cdn.viainvest.com\/b2757732-5445-483e-9ac9-9b7be1dd5e51.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"2425829\">EUR 2.4M<\/td><td class=\"stark\" data-sort=\"11\">11.0%<\/td><td class=\"mittel\" data-sort=\"15.1\">15.1%<\/td><td class=\"mittel\" data-sort=\"1.13\">1.13<\/td><td class=\"kritisch\" data-sort=\"38.6\">38.6%<\/td><td class=\"risiko\" data-sort=\"50\">50<\/td><\/tr><tr><td data-sort=\"viaconto minicredit ro\">Viaconto Minicredit (RO)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/cdn.viainvest.com\/817d9578-fca4-45df-982d-4efc56a5ae5e.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"risiko\" data-sort=\"-255308\">EUR (255K)<\/td><td class=\"kritisch\" data-sort=\"-21.6\">(21.6%)<\/td><td class=\"stark\" data-sort=\"42.9\">42.9%<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"82\">82.0%*<\/td><td class=\"risiko\" data-sort=\"40\">40<\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p>First of all, you should know that all lenders on Viainvest belong to its own parent company, the VIA SMS Group. Having no external lenders to deal with means a significantly bigger control that can be exercised with regard to the risk management of the lenders.<\/p>\r\n<p>To date, there have been no problems with lenders where outstanding receivables could not be serviced. As Viainvest operates in the PayDay loan market, which is one of the most restricted and regulated loan segments, this is a positive sign in terms of the platform&#8217;s risk management.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22786 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk.png\" alt=\"Viainvest-Review-Loan-Originator-Risk\" width=\"1000\" height=\"430\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk-300x129.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk-768x330.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/430;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22786\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk.png\" alt=\"Viainvest-Review-Loan-Originator-Risk\" width=\"1000\" height=\"430\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk-300x129.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Viainvest-Erfahrungen-Kreditgeber-Risiko-Viainvest-Review-Loan-Originator-Risk-768x330.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>If a loan by the lender defaults, the buy-back guarantee is then triggered. In this case, the outstanding receivables are reimbursed by the lender, including accrued interest. If the lender has difficulties servicing those receivables, the VIA SMS parent company steps in.<\/p>\r\n<p>Only if repayment problems arise at this stage, potential losses might happen to investors. This is why it is so crucial to take a close look at the financial situation of the guarantee issuer when analysing the risk.<\/p>\r\n<hr \/>\r\n<h3>Viainvest in Crisis Situations<\/h3>\r\n<p>In the recent past, P2P platforms have had to overcome several crisis situations. These included the coronavirus pandemic and the war in Ukraine. How did Viainvest deal with these situations?<\/p>\r\n<h4><strong>Covid-19 Pandemic<\/strong><\/h4>\r\n<p>Viainvest reacted very calmly after the outbreak of the pandemic. Internally, only around 10% of employees had to be laid off. Because Viainvest had already pursued a conservative growth strategy for years in the past, there were far fewer adjustments and changes than with other P2P platforms.<\/p>\r\n<p>On a positive note, it should be emphasised that there were no negative effects for investors. The buyback guarantee was honoured at all times, as were the payout requests, which were processed immediately. In addition, no moratoria or changes to the terms of use were introduced that would have had a negative impact on investors&#8217; interests. Compared to other competitors, Viainvest performed as promised in advance.<\/p>\r\n<p>Economically though, the pandemic has left its mark on Viainvest. Although the turnover has slightly increased, expenses have risen at a much faster pace. After seven consecutive years of profitable business results, the company concluded a loss of EUR 280,000 in 2020.<\/p>\r\n<h4>War in Ukraine<\/h4>\r\n<p>At first glance, the war in Ukraine has not had a direct impact on Viainvest, as the platform&#8217;s lending markets are located only in Europe. The decision not to be active in the CIS markets was made on purpose in order to avoid geopolitical risks or strong currency fluctuations.<\/p>\r\n<p>But even if the lending markets are not directly affected by the war in Ukraine, the economic consequences of the war may be felt in the Baltic States as well. In this regard, Viainvest is watching the situation in Ukraine very closely.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed the biggest advantages and disadvantages of Viainvest.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2016<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> Licensed as a European investment firm, regulated under MiFID II<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Investor Funds:<\/strong> Legally supervised separation of investor and company funds<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> Audited financial statements are published on a regular basis<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Sustainably low default rate (&lt; 5%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> No capital losses for investors on the platform to date<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Returns:<\/strong> Competitive interest rates in the P2P lending market<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Parent Company:<\/strong> Supported by a large and established company (VIA SMS Group)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Market Size:<\/strong> More than EUR 50 million in assets under management<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> No fees or costs for investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> No secondary market or early exit option<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Withholding Taxes:<\/strong> Withholding taxes are retained for private investors<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflicts of Interest:<\/strong> Shareholder overlaps between platform and lenders<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Terms &amp; Conditions:<\/strong> The platform can implement immediate changes to its terms of use without investor consent<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>Summary Viainvest Review<\/strong><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21805 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Viainvest-Review-P2P-Lending-2024\" width=\"500\" height=\"657\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024-228x300.jpg 228w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024-779x1024.jpg 779w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024-768x1009.jpg 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/657;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21805\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Viainvest-Review-P2P-Lending-2024\" width=\"500\" height=\"657\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024-228x300.jpg 228w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024-779x1024.jpg 779w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Viainvest-Erfahrungen-P2P-Kredite-Reise-2024-768x1009.jpg 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>What is the final verdict of my Viainvest review?<\/p>\r\n<p>Viainvest is an established and mature P2P platform from Latvia that has started operations in 2016, while being a regulated entity since 2022.\u00a0<\/p>\r\n<p>The positive aspects of Viainvest are its long track record, the transparency applied in most areas, its financial stability and reliable repayments, which have enabled investors to achieve double-digit returns every year.<\/p>\r\n<p>In addition, there are rarely any complications or problem cases. Viainvest generally delivers what was promised in advance.<\/p>\r\n<p>Some events during the transition period of becoming a regulated P2P platform have shown that Viainvest can also experience disruptions. The resources required to reorganise the platform&#8217;s IT were simply poorly deployed. However, these are only minor glitches in an otherwise very smoothly running engine.<\/p>\r\n<p>For investors who want to invest on regulated P2P platforms, while having the prospect of achieving competitive double-digit returns, Viainvest is a strong and stable alternative worth considering for your P2P portfolio.<\/p>\r\n\r\n<hr \/>\r\n<h3><strong>Viainvest Alternatives<\/strong><\/h3>\r\n<p>Already invested in Viainvest? Or looking for similar platforms? Here are three Viainvest alternatives from the P2P market.<\/p>\r\n<p><strong>TWINO:<\/strong> A regulated P2P marketplace from Latvia with a long-standing track record and a focus on financing unsecured consumer loans from Poland. Like Viainvest, TWINO is backed by an experienced parent company with an international presence in the lending business. Both platforms share the Latvian home market as a common starting point and have previously shared resources during their expansion into Asia. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/twino-review\/\" target=\"_blank\" rel=\"noopener\"><strong>TWINO review<\/strong><\/a>.<\/p>\r\n<p><strong>Nectaro:<\/strong> A regulated P2P marketplace based in Latvia, operating under MiFID II regulations and backed by an internationally established group. Loans are primarily used to fund the lending operations of the parent company. Affiliated loan originators offer competitive interest rates and a solid track record. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/nectaro-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Nectaro review<\/strong><\/a>.<\/p>\r\n<p><strong>Afranga:<\/strong> A regulated P2P marketplace based in Bulgaria, holding an ECSP licence. Like Viainvest, Afranga serves primarily as a financing channel for the lending business of its parent company. Stands out through competitive interest rates and a notably clean performance record with no capital losses for investors to date. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/afranga-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Afranga review<\/strong><\/a>.<\/p>\r\n<p>You can find other Viainvest alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2>FAQ Viainvest Review<\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1599546267606\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Viainvest? <\/strong>\r\n<p class=\"schema-faq-answer\">Viainvest is a Latvian P2P platform, active since December 2016, where investors can invest in consumer loans. The loans are secured by a buyback guarantee. Interest rates can reach up to 13%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1615566413676\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Viainvest safe?<\/strong>\r\n<p class=\"schema-faq-answer\">Viainvest has been regulated by the Latvian financial supervisory authority (FCMC) in accordance with MiFID II since September 2021. In the event of insolvency, investor funds are protected up to \u20ac20,000. The loan originator risk must be considered separately, as it is not covered by the licensing.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1676997689101\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Viainvest?<\/strong>\r\n<p class=\"schema-faq-answer\">The interest rates on the loans can vary depending on the loan originator and market conditions, often ranging between 10% and 13%. My personal overall return after more than six years is 11.2%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1676997754661\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a secondary market on Viainvest?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Loans on Viainvest cannot be sold early. Investors must therefore hold the loans in their portfolio until maturity. The shortest loan term currently is 182 days.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1774774670571\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How are Viainvest returns taxed?<\/strong>\r\n<p class=\"schema-faq-answer\">Interest income is treated as capital gains and must be declared in your tax return. Viainvest withholds 5% withholding tax for EU\/EEA investors, which can generally be offset against taxes owed in your country of residence.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36736,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Viainvest Review 2026: Double-Digit Returns for 10 Years!<\/title>\n<meta name=\"description\" content=\"Viainvest Review 2026: Double-Digit Returns for 10 Years! Viainvest Deep Dive Review \u271a 1% Sign Up Cashback Bonus!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/viainvest-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Viainvest Review 2026: Double-Digit Returns for 10 Years!\" \/>\n<meta property=\"og:description\" content=\"Viainvest Review 2026: Double-Digit Returns for 10 Years! 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