Viventor does not originate loans itself but is a platform, like the bigger Mintos, open to investors from all over Europe. Partner companies that list loans on Viventor consist of professionals, possessing years of experience in non-bank lending and underwriting, and having their skin completely in the game. Also, access to financing for eligible borrowers is considerably faster than that offered by alternative creditors.

It offers different types of loans but Consumer Credit is still the biggest share.

One of the advantages offered to investors is different layers of security of investments:

  • Loan originators due diligence and risk management
  • Buyback guarantee (on selected loans) and Payment guarantee (on selected loans)
  • Skin in the game: loan originators are required to keep at least a 5% stake in each loan, aligning their interest and the investor’s one. This is really important, if you are like me a student of the Great Financial Crisis
  • Collateral: in the case of Mortgage-backed loans and Business loans, borrowers must provide a collateral, which is normally a real state property. The collateral will be used to recover the loan in case of default. Mortgage-backed loans value are not higher than the 70% of the appraisal (LTV ratio). In the case of invoice financing loans only 30% to 80% of principal is financed (Advance rate). Additionally, loan originator has insurance against loan default.

Viventor aim is for investing to be simple and enjoyable and the platform reflects this objective. They are constantly making efforts towards removing the friction from the investment process itself by building the platform and its UI simple and intuitive for any user. Improvements based on everyday findings are constantly implemented, new languages are added, and educational material is made available.

The reported average return is quite high, as shown here:

You can select investments by yourself or use the autoinvest funtion; my current autoinvest tries to take advantage of all the guarantees offered:


You should play with minimum interest rate and the guarantees based on the available loan supply: sometimes (like now) you can be quite picky and still have all your balance invested, other times is harder to maintain a high interest rate combined with maximum security.

As you can see, you can achieve a relevant diversification of exposures within the same platform:

The blog is nice, if you have time.

As usual, let me know your experience and feedbacks in the comment section.


What I am reading now:

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