Debitum Network
Debitum Network is a Latvia-based fintech that operates Debitum Investments, a licensed peer-to-peer lending marketplace connecting individual lenders with personal and small/medium business borrowers. The platform serves investors seeking exposure to consumer and SME credit.
- Company typePrivate
- Founded2017
- HeadquartersRiga, Latvia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Debitum Network does
Debitum Network is a Latvia-based, privately held financial technology company founded in 2017 and headquartered in Riga. It operates under the doing-business-as name "Debitum Investments" and runs a single core product: a licensed peer-to-peer lending marketplace that connects individual lenders directly with borrowers seeking personal or business loans. The company's short positioning describes it as an online investment platform offering small and medium business loans for investors, indicating that the supply side of the marketplace is composed of lenders (retail or semi-professional) allocating capital into SME and consumer credit, with the platform intermediating origination, servicing, and matching.
The platform is delivered as a web-based marketplace accessible at debitum.network (corporate) and debitum.investments (lender-facing). Beyond the marketplace product, the input data does not disclose any proprietary technology stack, underlying credit decisioning systems, automation of loan servicing, or platform integrations. The company is led by a compact executive team: Sergei Demchuk as CEO, Martins Liberts as founder and co-founder / board member, and Martins Perkons as Chief Software Development Officer, consistent with a small (11-50 employees), technology-led fintech operating structure.
From a business model perspective, the input data does not disclose explicit pricing, fee structure, take-rate, or revenue mechanics. As a P2P marketplace, the standard model is a transaction fee or spread between the yield paid by borrowers and the yield passed through to lenders; however, no such specifics are evidenced in the source material. The company has raised a single disclosed funding round of approximately $17.2 million in February 2018, and no subsequent capital raises, acquisitions, partnerships, or geographic expansions are documented in the available data.
Debitum Network firmographics
Firmographics- Name
- Debitum Network
- Website
- https://debitum.network
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Debitum Network is a Latvia-based fintech that operates Debitum Investments, a licensed peer-to-peer lending marketplace connecting individual lenders with personal and small/medium business borrowers. The platform serves investors seeking exposure to consumer and SME credit.
- Ownership category
- akta.pro rank
Debitum Network industry classification
Industry- Product category
- P2P Lending Platform
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P) (FSAPAEAA)
- akta.pro secondary industries
- Decentralized Lending & Borrowing Protocols (FSADAMAA), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where Debitum Network is headquartered
LocationHeadquarters
- HQ city
- Riga
- HQ country
- Latvia
- HQ region
- Europe
Markets served
Debitum Network business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Others
Debitum Network product offering
Product offeringCore offering
Debitum Network operates Debitum Investments, a licensed peer-to-peer lending platform that connects individual lenders directly with borrowers. The platform enables investors to fund personal or small and medium business loans, providing access to debt-based investment opportunities through a regulated online marketplace.
Product overview
Debitum Investments is a licensed peer-to-peer lending platform operating as a single unified product. The platform facilitates direct lending between individual lenders and borrowers, offering investment opportunities in personal or business loans through a regulated marketplace.
Differentiator
Problem solved
Functional benefit
Products and services
- Debitum Investments A licensed peer-to-peer lending platform that connects lenders directly with borrowers, enabling individuals to invest in personal or business loans. Designed for individual investors seeking alternative debt-based investment opportunities and SMEs seeking loan funding.
Companies that use Debitum Network
Customer profileIdeal customer profiles2 records
Debitum Network technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Debitum Network partnerships and signals
Strategic signalRecent moves3 records
Expansion highlights3 records
Debitum Network competitors and assessment
Company assessmentDirect peers
- EstateGuru: EstateGuru is a European P2P lending platform headquartered in Estonia that connects retail investors with SME and real estate borrowers. It is a direct competitor to Debitum Network given the overlapping model (licensed P2P lending marketplace), target customer base (European retail lenders), and SME loan focus.
- Mintos: Mintos is one of the largest licensed P2P lending marketplaces in Europe, based in Latvia, connecting investors with consumer and business loans originated by partner lenders. It competes head-to-head with Debitum Network in the same geography, customer base, and product category.
- Twino: Twino (formerly Twino Investments) is a Latvia-based licensed P2P lending marketplace offering consumer and business loan investments across Europe. Direct overlap with Debitum Network in geography, regulation, and target customer segments.
- HeavyFinance: HeavyFinance is a European P2P lending platform focused on agricultural and SME loans, connecting investors directly with borrowers. Comparable to Debitum Network in business model and target SME lending segment.
- Income Marketplace (formerly Income): Income Marketplace is a licensed European P2P lending platform offering loans originated by partner lenders to retail investors. It is comparable to Debitum Network in operating a regulated marketplace model in the European P2P lending space.
- Viventor: Viventor is a Latvia-based licensed P2P lending platform offering consumer and SME loan investments to European investors. Comparable to Debitum Network as a regional direct competitor with overlapping product offerings and target lenders.
- Bondora: Bondora is an Estonia-headquartered licensed P2P lending platform offering consumer loan investments to European retail investors. It is a direct competitor due to its marketplace model connecting lenders to consumer and SME borrowers across Europe.
Broad incumbents
- LendingClub: LendingClub is a large, established US-based peer-to-peer lending platform connecting borrowers with investors. Comparable to Debitum Network in core marketplace lending model, though it operates at much greater scale and in a different regulatory jurisdiction.
- Funding Circle: Funding Circle is a major UK-based SMB lending platform that facilitates business loan funding through institutional and retail investors. Comparable to Debitum Network in SME loan focus and marketplace lending model, but at significantly larger scale and broader market presence.
Emerging players
- Aave: Aave is a leading decentralized lending protocol operating in DeFi. It is comparable to Debitum Network's blockchain-era lending origins, though it operates without traditional licensing and serves crypto-native lenders rather than regulated retail investors.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Debitum Network social profiles
Digital presenceDebitum Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
Debitum Network leadership team
Management profileNumber of profiles
Profiles3 records
Debitum Network funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Debitum Network M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Debitum Network
What does Debitum Network do?
Debitum Network operates Debitum Investments, a licensed peer-to-peer lending platform that connects individual lenders directly with borrowers. The platform enables investors to fund personal or small and medium business loans, providing access to debt-based investment opportunities through a regulated online marketplace.
Is Debitum Network a public or private company?
Debitum Network is a private company. It is classified as venture growth investor backed and is currently operating.
When was Debitum Network founded?
Debitum Network was founded in 2017. It employs 11 to 50 people.
Where is Debitum Network based?
Debitum Network is headquartered in Riga, Latvia, in the Europe region.
Who are Debitum Network's main competitors?
Direct peers on record are EstateGuru, Mintos, Twino, HeavyFinance, Income Marketplace (formerly Income), Viventor and Bondora. Broad incumbents are LendingClub and Funding Circle. Aave is listed as an emerging player.
Does Debitum Network have an API?
No public API is recorded for Debitum Network.
What industry is Debitum Network in?
Debitum Network's product category is P2P Lending Platform. Its primary akta.pro industry code is FSAPAEAA, Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P), with a secondary code of FSADAMAA, Decentralized Lending & Borrowing Protocols. Its NAICS code is 522310 and its SIC code is 6163.