Viventor is a peer-to-peer lending marketplace that connects non bank lenders from the one side, and investors all across Europe from the other side.

Lending companies independently select their borrowers, issue loans, and offer these loans on Viventor. Further on, investors can select from the pool of loans listed, and invest in ones meeting their requirements. Viventor’s business model provides access to “crowd capital” for the lenders, and makes secure investing simple and accessible for investors!

Who is eligible to invest?

Viventor is both open to private investors and companies.

In order to qualify as an investor, an individual must be at least 18 years old, possess a bank account in one of the countries of the European Economic Area (European Union, Norway, Iceland and Liechtenstein), and verify his/her identity to Viventor.

In what currencies can investments be made?

Investments can be made in: EUR.

Loan types

At the moment on the Viventor platform can be made investments in the following types of loans:

• Mortgage-backed loans
• Consumer loans

Investment in loans can be done in two ways: through the primary market (where new loans are displayed) or through the secondary market (where the loans are offered by other investors).

How can funds be transfered

The first deposit at all times must come from investor’s personal Bank Account, in order to comply with Anti-Money Laundering requirements.

For later deposits, external services like TransferWise, PaySera, and others may be used, for the sake of convenient multi-currency transactions, faster money movements and smaller commissions.

Investing

There are two ways to invest in loans: manual investing (when the investor browse loans currently listed on the Viventor marketplace in either the primary or secondary market and select loans individually to build your portfolio) or automatic investing using Autoinvest.

AutoInvest is an advanced investing tool that allows investors to create an investment portfolio, based on customs sets of criteria. After setting up and launching a portfolio with AutoInvest, the system will automatically filter and invest in loans meeting the requirements continuously. If there are not enough loans on the platform meeting the specified criteria to reach the maximum portfolio size, the excess funds will remain allocated in the Investor’s Account. Every time new loans are added to the market, the system will automatically perform search from anew, and invest in the new listings that qualify. AutoInvest is a great tool for saving time and ensuring diversification.

Mobile application

In December 2016 Viventor launched their mobile application. The app serves to make investing more accessible at any time.

The application can be downloaded from:

App Store: https://itunes.apple.com/es/app/viventor/id1173535557?l=en&mt=8
Play Store: https://play.google.com/store/apps/details?id=com.viventor