Debitum
Debitum is a Latvian P2P investment platform founded in 2018, specializing in asset-backed business loans for European SMEs. Headquartered in Riga, the platform became one of the first P2P lenders to obtain MiFID II licensing in 2021, regulated by Latvijas Banka. Debitum connects investors with loan originators across Europe, offering buyback-guaranteed investments. With over EUR 180 million in total funded volume, the platform focuses on transparency and regulatory compliance in the alternative lending sector.
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Debitum in real numbers
Anonymized statistics from all Debitum portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
15.3%
Based on 403 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 223 stated strategies
Combined portfolio value
€5,350,968
Investors on P2P Dash
811
Interest earned all-time
€622,050
Median cash drag
2.2%
Share of funds sitting uninvested
Import Guide
- Navigate to the "My Balance" page
- Do not change the settings "Entire period" and "All transactions"
- Click "Download selected statement"
- Click "Download XLSX"
- The file will be sent via email and will be available in your inbox within a few minutes
- The Excel file can then be imported using the import tool
Compare Debitum head-to-head
Debitum returns over time
Median annual return of Debitum investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
15.3%
161 investors
8.2%
2020
9.7%
2021
8.5%
2022
9.5%
2023
15.5%
2024
14.5%
2025
14.7%
2026
Is money moving into Debitum?
Monthly deposits minus withdrawals across Debitum investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€2,162,039
811 investors tracking
In Q2 2026, Debitum ranks 3 of 46 platforms by net capital flow. See all capital flows for Q2 2026 →
Debitum investors also track
Share of Debitum investors on P2P Dash who also track each of these platforms: anonymized community data, shown only where at least 10 investors overlap.
Alternatives to Debitum
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,807 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Debitum
Answers based on anonymized community data from P2P Dash investors.
What is Debitum?
Debitum is a peer-to-peer lending platform, founded in 2018 (headquarters: Latvia). On P2P Dash, investors import their Debitum account statements to track the real net return they earn there.
What return do investors actually earn with Debitum?
Across 403 Debitum portfolios tracked on P2P Dash, the median net return (XIRR) is 15.3%. The middle 50% of investors earn between 13.7% and 17.3% (as of August 15, 2026).
How many investors track Debitum on P2P Dash?
811 investors track their Debitum portfolios on P2P Dash, with a combined portfolio value of €5,350,968 and €622,050 in interest earned all-time.
How does Debitum rank among P2P platforms?
Debitum ranks 4 of 27 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Debitum?
Of 223 stated strategies for Debitum, 60% plan to add funds or reinvest, 22% intend to hold, and 18% plan to reduce or exit (as of August 15, 2026).
Is Debitum regulated?
Yes, Debitum is a regulated platform supervised by Latvijas Banka.
Does Debitum offer a buyback guarantee?
Yes, Debitum offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Debitum portfolio?
Export your transaction history from Debitum (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Debitum?
Based on the community ranking, the closest alternatives to Debitum in the same asset class are Triple Dragon Funding, Maclear, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.