Debitum Investments, a peer-to-business (P2B) lending platform based in Latvia, has solidified its position as a key player in Europe’s alternative finance sector, achieving significant milestones.
The platform recently marked €40 million in outstanding invested capital.
Additionally, Debitum has strengthened its leadership by appointing Chief Operations Officer Anatolijs Putna and new Chief Legal Officer Ilona Bauda to its Board of Directors, moves approved by the Bank of Latvia.
These developments highlight Debitum’s commitment to transparency, operational excellence, and sustainable growth, positioning it as a trusted choice for investors seeking secure and profitable opportunities.
On August 6, 2025, Debitum Investments announced it had surpassed €40 million in outstanding invested capital, a major milestone that underscores the platform’s rapid expansion and the trust placed in it by its growing investor base.
This achievement reflects the dedication of Debitum’s team and the confidence of its investors, many of whom have been with the platform since its early days.
The milestone follows a year of remarkable growth, with total investments exceeding €138 million by the end of 2024, driven by strategic leadership changes and innovative financial instruments like Debitum Notes.
The platform’s focus on asset-backed securities (ABS), secured by tangible collateral such as property or invoices, has delivered consistent returns ranging from 9% to 16.5% annually, attracting both retail and institutional investors.
Debitum’s performance is further evidenced by its ability to maintain a 0% investor default rate since its inception in 2018, a rare feat in the P2B lending space.
By prioritizing rigorous due diligence and partnering with vetted loan originators like Bono House, JSC Juno, and Foresto, Debitum ensures that only stable, well-secured financial instruments are offered to investors.
The introduction of innovative products, such as the Latvian Forest Development Fund (LFDF), which fully repaid a €100,000 note at 9% per annum within three months in 2024, demonstrates the platform’s ability to deliver reliable, asset-backed investment opportunities.
As Debitum continues to expand its portfolio, it remains committed to creating a transparent environment for investors, with plans to onboard over 20,000 active investors by the end of 2025.
On July 29, 2025, Debitum Investments announced strategic appointments to its Board of Directors, reinforcing its operational and legal governance.
Anatolijs Putna, the Chief Operations Officer, and Ilona Bauda, the new Chief Legal Officer, were appointed to the Board, a move approved by the Bank of Latvia.
These appointments reflect Debitum’s commitment to robust corporate governance as it navigates its next phase of growth.
Putna, who has been instrumental in driving the platform’s performance, oversaw a doubling of outstanding investments from €12 million to over €27.4 million in 2024 alone.
His leadership has led to streamlined onboarding processes, enhanced risk controls, and significant user experience improvements, including the rollout of an upgraded Trust Score System for partner monitoring.
Ilona Bauda, with her experience in financial technology and an LL.M. in International and European Union Law, steps into the role of Chief Legal Officer, succeeding Martins Galzons.
Bauda’s focus will be on strengthening Debitum’s legal and compliance frameworks, ensuring regulatory adherence and investor protection as the platform expands.
Additionally, existing Board Member Ingus Salmins will now lead the company’s risk management framework, bringing his banking expertise and Executive MBA credentials to establish a dedicated risk oversight function.
Debitum’s achievements in 2025 build on its strategic evolution since its acquisition in 2023 by finance industry professionals Ēriks Rengītis, Ingus Salmiņš, and Henrijs Jansons.
The platform’s transition to Debitum Investments in February 2024 marked a shift toward a broader range of investment products, including shorter-term bonds and daily interest repayments.
With a focus on supporting small and medium-sized enterprises (SMEs) in countries like the UK, Estonia, and Latvia, Debitum says it continues to bridge financing gaps in the Baltic market while offering investors returns.
The platform’s A-level taxpayer rating from the Latvian State Revenue Service and compliance with MiFID II regulations further enhance its credibility, ensuring investor funds are protected with up to €20,000 covered by the EU deposit guarantee.
As Debitum Investments looks to the future, it plans to expand its loan portfolio into new sectors and countries, launch a mobile app, and introduce a secondary market to enhance liquidity.
These latest initiatives, combined with its leadership and commitment to transparency, position Debitum as a key player in the European P2B lending market.