Debitum Review 2026
MiFID II-licensed SME notes and invoice financing, scored 3.6/10 after 2026 investigation raised questions about related-network concentration and CEO turnover
Tier 4 - Caution advised
Capital at risk. Returns not guaranteed. Investor compensation never covers borrower defaults.
Debitum in 60 seconds
Debitum is a Riga-based P2P lending platform holding a MiFID II investment-firm licence from Latvijas Banka since 2017. The platform offers three loan types: SME notes, land-backed loans and invoice financing, with advertised returns around 11.4 percent and a minimum investment of EUR 10. Auto-invest tools allow investors to build diversified portfolios across borrower segments and loan terms. A 2026 independent investigation raised questions about portfolio concentration within a related network of borrowers and noted frequent senior-management changes - five different CEOs in three years - which have contributed to increased investor scrutiny and a 3.6 out of 10 score on P2PScore, placing Debitum in Tier 4.
While the MiFID II licence provides up to EUR 20,000 investor compensation if the platform itself becomes insolvent, this protection never covers borrower defaults or loan write-offs. Investors bear full credit risk on every SME note, land-backed loan and invoice financed through Debitum. The platform's related-network concentration and management instability mean capital is at higher risk than on Tier 1 or Tier 2 alternatives.
Six-dimension breakdown
How Debitum scores 3.6 out of 10
Weights: regulation 25%, defaults 20%, originator structure 15%, track record 15%, fees 15%, liquidity 10%.
Strengths
- MiFID II investment-firm licence from Latvijas Banka provides EUR 20,000 investor compensation on eligible claims if the platform fails
- Low EUR 10 minimum investment allows small-scale testing
- Auto-invest tools support diversified portfolio construction across SME notes, land-backed loans and invoices
Things to watch
- 2026 independent investigation raised questions about related-network portfolio concentration and five CEO changes in three years
- Investor compensation never covers borrower defaults or loan write-offs
- 3.6/10 score places platform in Tier 4, indicating higher risk than alternatives
- Management instability may affect operational consistency and investor confidence
How Debitum works
- Open an account: Register on the Debitum platform and complete identity verification required under MiFID II rules.
- Deposit funds: Transfer EUR via SEPA bank transfer; the EUR 10 minimum allows small-scale entry.
- Choose investments: Browse SME notes, land-backed loans and invoice-financing opportunities, or activate auto-invest to build a diversified portfolio across borrower types and loan terms.
- Receive payments: Borrowers make scheduled interest and principal repayments; funds appear in your Debitum wallet.
- Reinvest or withdraw: Reinvest repayments manually or via auto-invest rules, or request a withdrawal by bank transfer.
Who Debitum is for - and who should skip it
Consider Debitum if: you want MiFID II oversight at a low EUR 10 minimum and are willing to accept higher operational risk in exchange for exposure to SME notes, land-backed loans and invoice financing at approximately 11.4 percent advertised returns.
Skip Debitum if: you prioritise platforms with stronger track records and no recent investigations. Maclear pays 14.5-14.9 percent on Swiss SME loans with a single default covered in full and oversight by a Swiss SRO (9.3/10, Tier 1). Mintos offers 9-11 percent on diversified loan notes under MiFID II with EUR 600 million-plus assets under management and an eight-year track record (8.5/10, Tier 1). Capitalia lends to Baltic SMEs at approximately 10.5 percent and is the first EU crowdfunding platform backed by the InvestEU/EIF guarantee (8.2/10, Tier 2). Investors seeking SME exposure with greater confidence in governance and concentration controls typically choose these alternatives over Debitum.
Compared to alternatives
| Platform | Score | Adv. return | Regulation | Track record | Key strength |
|---|---|---|---|---|---|
| Debitum | 3.6 | ~11.4% | MiFID II (LV) | Since 2017, 2026 investigation | Low EUR 10 minimum, auto-invest |
| Maclear | 9.3 | 14.5-14.9% | Swiss SRO | Since 2022, single default covered | Highest SME yield, no capital losses |
| Capitalia | 8.2 | ~10.5% | ECSP (LV) | Since 2017, InvestEU/EIF guarantee | First EU platform with EUR 15M guarantee |
| Mintos | 8.5 | 9-11% | MiFID II (LV) | Since 2015, EUR 600M+ AUM | Largest EU loan marketplace, diversified |
All data January 2026. Returns advertised by platforms; realised returns vary. Capital at risk.
Frequently asked questions
Debitum holds a MiFID II investment-firm licence from Latvijas Banka, which brings EUR 20,000 investor-compensation coverage on eligible claims if the platform itself fails. However, this compensation never covers borrower defaults. A 2026 independent investigation raised questions about related-network portfolio concentration and frequent CEO turnover (five changes in three years), which have contributed to its 3.6/10 score and Tier 4 classification on P2PScore. Investors should weigh these operational risks carefully before depositing funds.
Debitum advertises approximately 11.4 percent returns across SME notes, land-backed loans and invoice financing. Realised returns will depend on borrower performance and any defaults. Maclear pays 14.5-14.9 percent on Swiss SME loans with a single default covered in full. InRento delivers approximately 11.8 percent on buy-to-let property with no capital losses in five years. Mintos offers 9-11 percent on diversified loan notes under MiFID II with EUR 600 million-plus assets under management. Platforms with higher scores generally offer comparable or higher yields with stronger regulatory standing and track records.
A 2026 independent investigation raised questions about portfolio concentration within a related network of borrowers and noted frequent changes in senior management, with five different CEOs in a three-year period. These findings contributed to increased scrutiny from investors and informed P2PScore's 3.6/10 rating for the platform.
No. Debitum's MiFID II licence from Latvijas Banka provides up to EUR 20,000 investor compensation if the platform itself becomes insolvent and cannot return segregated client assets. It does not cover losses from borrower defaults, late payments or loan write-offs. Investors bear full borrower credit risk on all SME notes, land-backed loans and invoices financed through the platform.
Maclear scores 9.3 out of 10 and offers 14.5-14.9 percent on Swiss SME loans with a single default covered in full and oversight by a Swiss SRO. Mintos scores 8.5 out of 10, holds a MiFID II licence with EUR 20,000 compensation and offers 9-11 percent across diversified loan notes. Debitum scores 3.6/10 due to questions raised by a 2026 independent investigation about related-network concentration and five CEO changes in three years, making it a higher-risk choice for SME exposure. Investors prioritising governance stability and track record typically prefer Maclear, Mintos or Capitalia (8.2/10) for SME loan allocations.
Bottom line
Debitum offers MiFID II-licensed access to SME notes, land-backed loans and invoice financing at approximately 11.4 percent advertised returns with a low EUR 10 minimum investment. However, a 2026 independent investigation raised questions about related-network portfolio concentration and frequent CEO turnover - five changes in three years - which have contributed to its 3.6 out of 10 score and Tier 4 classification on P2PScore. While the platform's MiFID II licence provides EUR 20,000 investor compensation if the platform itself fails, this protection never covers borrower defaults, and investors bear full credit risk on every loan. For SME exposure with stronger track records and governance, Maclear (9.3/10), Capitalia (8.2/10) and Mintos (8.5/10) offer comparable or higher yields with greater operational stability and lower concentration risk.
Looking for a safer SME lending alternative?
Maclear delivers 14.5-14.9% on Swiss SME loans, factoring and real-estate bridge finance with a single default covered in full since 2022. Regulated by a Swiss SRO and scoring 9.3/10 on P2PScore, Maclear offers EUR 30 bonus on your first deposit and no platform fees. Minimum investment EUR 50.
Start with Maclear - EUR 30 bonusCapital at risk. Returns not guaranteed. Swiss SRO oversight does not provide investor compensation.