Debitum Review 2025
Business Loans P2P Platform
My experience after 3+ years of investing
My Quick Verdict
Debitum stands out by focusing exclusively on business loans—a safer alternative to consumer lending with lower default rates. After 3+ years of investing with 9.78% average returns, I appreciate the 90-day buyback guarantee, licensed status, and Asset Backed Securities (ABS) that provide instant diversification. Returns are slightly lower than some platforms, but the added safety makes it a solid choice for conservative P2P investors.
Try Debitum FreeWhat is Debitum?
Debitum is a P2P lending platform that matches borrowers with investors, launched in 2018 and based in Vilnius, Lithuania. What sets Debitum apart is their exclusive focus on business loans—a category that's inherently safer than consumer lending due to lower default rates.
The platform currently has over 13,000 registered investors and has funded more than €64M worth of loans. Their philosophy centers on making it easy for investors to generate passive income while keeping investments safe and secure.
What Returns Can You Expect?
Slightly lower yields, but with added safety from business loans
Returns on Debitum are slightly lower than some platforms, with an average yield of 9.65%. However, this reflects the safer nature of business loans compared to consumer lending. On my own portfolio, I'm currently achieving around 10%, which is in line with other P2P platforms. The trade-off is worthwhile for the added security.
Asset Backed Securities (ABS)
Unlike investing in individual loans, Debitum offers ABS—pools of commercial loans grouped into single assets for instant diversification
Instant Diversification
Each ABS contains multiple commercial loans, spreading your risk automatically
Stable Returns
Pooled loans provide more consistent returns than individual loan investing
Lower Risk
Business loans have lower default rates than consumer lending
9-9.5% Yields
Most ABS offer yields in the 9-9.5% range with trusted loan originators
Minimum investment: €50 per ABS • Most ABS offer 9-9.5% yields with trusted loan originators
Is Debitum Safe?
I evaluate platforms on three key areas: guarantees offered, the company & team, and loan originators
Business Loans Only
Focus exclusively on commercial loans with lower default rates than consumer lending—inherently safer investment.
90-Day Buyback Guarantee
All loans come with a 90-day buyback guarantee, protecting your investment if borrowers default.
Licensed Investment Firm
Received investment brokerage license in September 2021, ensuring strict regulatory compliance.
Transparent Credit Scoring
Clear credit scoring system makes it easy to select investments matching your risk tolerance.
The Company & Team
Debitum became a regulated and licensed investment firm in September 2021—a positive trend that guarantees they follow required processes to protect investor funds.
I checked the management team's backgrounds via LinkedIn. The co-founder has experience with multiple companies before Debitum—a good sign of entrepreneurial experience and credibility.
Loan Originators
Debitum is transparent about their loan originators, with a dedicated page accessible from the main website. They currently work with originators from Estonia, Latvia, and the UK.
They continuously add new originators—like Sandbox Funding (mid-2023) offering up to 12% yields—which is great for portfolio diversity.
Getting Started with Debitum
Open & Verify Account
Registration is quick—including ID verification, everything was done in under 5 minutes for me. Simply head to the Debitum website to start.
Deposit Funds
Transfer money via simple bank transfer. Debitum accepts EUR deposits and funds are typically available quickly for investing.
Invest in ABS
Browse available Asset Backed Securities on the investment page. Check details like interest rate, trust score, and number of loans included. Minimum investment is €50 per ABS.
Enable Auto-Invest
Use the powerful auto-invest feature to automate your investments. I now use this to manage all my investments on the platform—truly passive income generation.
Pros & Cons
Pros
- Specialized in business loans (safer than consumer loans)
- 90-day buyback guarantee on all loans
- Licensed and regulated investment firm
- Asset Backed Securities (ABS) for instant diversification
- Transparent loan originator information
- Two-factor authentication (2FA) available
- Quick withdrawals (1 day)
- Powerful auto-invest feature
Cons
- Returns slightly lower than some platforms (9-10%)
- Smaller platform compared to giants like Mintos
- Limited loan originators (Estonia, Latvia, UK)
- €50 minimum investment per ABS
My Current Results
I've been personally invested on Debitum with my own money for over 3 years now. I've had consistently good returns—even during the COVID-19 crisis in 2020 & 2021—with an average annual yield of 9.78% over this period. Withdrawals are fast, with money back in my account in just 1 day when tested.
Final Verdict
Debitum is an excellent choice for investors seeking safer P2P lending through business loans. The 90-day buyback guarantee, licensed status, and ABS structure provide multiple layers of protection. While returns are slightly lower than aggressive platforms, the reduced risk makes it ideal for conservative investors or as a stabilizing element in a diversified P2P portfolio.
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