Viventor review

Viventor’s overview

Viventor is a P2P marketplace offering loans with interest rates up to 16%, for durations between one month and five years. Most of them are secured by a buyback guarantee.

My opinion on Viventor

I was initially thrilled by Viventor’s high interest rates as well as by the website’s great ergonomics. Unfortunately, after more than one year, my performance is really disappointing; moreover, in terms of communication, there’s a lot of room for improvement. Overall, PeerBerry seems like a much better complement to Mintos than Viventor.

Detailed ratings

Actual performance

My actual portfolio’s performance is much lower than expected.

Loans liquidity

There’s a large volume of loans available.


The numerous reporting features are both useful and visually appealing.

Transparency & reliability

While Viventor provides a lot of data on their loan originators, there’s little information on the platform itself; moreover, their communication leaves to be desired.

Website ergonomics

Overall, Viventor‘s website is well designed and easy to use.

Viventor’s pros & cons


  • The website’s ergonomics is great
  • Large volume of loans provided by many different loan originators


  • Poor actual performance
  • The delay for buyback guarantee isn’t the same between all loan originators
  • Support and communication could be greatly improved

Loans characteristics

Loans duration

Short-term : one month or less

Medium-term : one month to one year

Long-term : more than one year

Loans kinds



Minimal investment

€ 1

Buyback guarantee

Buyback guarantee available


EUR – Euro

Overview of Viventor’s loans

Viventor features only Euro loans. In June 2020, interest rates range from 8% to 16%, roughly the same level as at the beginning of the year. Durations vary greatly, from one month to seven years.

A sample of Viventor's loans

Most loans come with a buyback guarantee, but there are also unsecured loans. Surprisingly, unsecured loans yield less than their secured counterparts, so there’s little point in investing in them.

Loans volume

With a total financed amount of around € 132,000,000, the volume of loans at Viventor is much lower than at Mintos; however, it will be more than enough to invest large sums without having liquidity problems.

Loan originators

As I’m updating this review in June 2020, there are more around originators available; this allows investors to get a very satisfying diversification. Several of them are also present on other marketplaces; for example, Kviku loans are available on Mintos, and Ibancar also provides loans on Iuvo.

As P2P platforms improve their transparency, most of them now publish details about their loans originators A loan originator is the firm that originally provides the loan to the borrower.
They usually lend a small percent of the amount using their own funds, while the
remaining is put on sale on loans marketplaces. The part of the loan kept by the
originator is called called skin in the game; it’s typically 5%-10% of the
loan amount, and is supposed to encourage originators to provide quality loans.
. For each of them, investors can learn about the details of the buyback guarantee, the skin in the game (which is the percent of the loan kept by the originator), and in many cases access financial statements.

Description of two loan originators at Viventor
Description of two loan originators at Viventor

Unlike Mintos, Viventor doesn’t provide any rating for originators; it’s thus hard to evaluate how safe they are. Unfortunately, at least one of them proved to be unreliable. Indeed, in summer 2019, Aforti Finance ran into troubles and many repayments were delayed. Viventor’s communication was pathetic; they provided very little information and took a long time to communicate about it. In contrast, their competitor Mintos (who also provided loans from Aforti Finance) was much more reactive. And even better, Debitum Network actually removed all loans from this loan originator well before the troubles started.

Explore P2P’s ratings for Viventor loans originator are very useful, although most originators end up being poorly rated.

Another recommended reading is article on Mintos loan originators; it will help you to better understand the risks associated with these financial companies !

Buyback guarantee

The buyback guarantee A buyback guarantee is a guarantee provided by the platform or a loan originator.
If repayment of a loan is delayed by more than a given delay (usually 30 or 60 days),
the platform or loan originator will buy back the loan. The guarantee may cover only
part of the capital, or in a much more interesting case, both the capital and accrued
interests. As the conditions vary from one platform to another, it’s very important
to check this point.
covers both principal and interests. It usually triggers after 60 days, but this delay is 90 days for several originators. Viventor‘s FAQ mentions a 30 days delay, but currently I couldn’t find an example of an originator with such a short delay.

One variation of the buyback guarantee is the payment guarantee; it guarantees that the interests and principal will be repaid in time. In terms of cash-flow, it’s slightly more convenient than the standard buyback guarantee.

As usual, loans covered by a buyback guarantee (or payment guarantee) are indicated by a shield icon.

Platform’s transparency and reliability

There’s little information regarding the platform or their team on the website. Viventor is actually part of the large Finstar group, but their website is equally discrete on their activities.

On the bright side, as we’ve previously seen, the platform provides much more details on their loan originators. In addition, public statistics are available regarding the loans volume, number of investors and actual returns.

In term of communication, as I mentioned regarding Aforti, there’s a lot of room for improvement. And unfortunately, my rather terrible experience with the support (see below) on the same topic didn’t really help me to trust the platform.

Impact of Covid-19 outbreak on Viventor

Viventor‘s communication during the coronavirus outbreak was disappointing. It lacked substance and factual information, especially compared to PeerBerry’s newsletters. This opinion seems to be shared by other investors on the platform, as investments volume on Viventor stalled from March 2020, while it increased greatly at PeerBerry, in spite of the very uncertain environment.

Platform’s features

Early exit

Early exit available

Investing methods


Manual investing

Secondary market

Viventor features a secondary market that’s free of charge.

Manual investing at Viventor

Manual investing is convenient. The available loans list can easily be filtered by common criteria such as duration, interest rate, presence of buyback guarantee…

Many details are provided about the loans; while I doubt that many investors actually read them (as they’re much more standard than speculative business or real-estate loans provided by Crowdestor or CrowdEstate for example), it’s always great to have access to a lot of data.

Loan detail at Viventor
Loan detail at Viventor


In spite of the large number of available criteria, the auto-invest is easy to configure.

A few aspects could be improved, though :

  • It’s not possible to filter by buyback delay
  • The design make it hard to verify if all possible entities (countries, originators) are selected
  • The screen doesn’t show how many loans match the current criteria
Viventor's auto-invest screen
Viventor's auto-invest screen

While few investors will use this feature, it’s possible to configure multiple auto-invest.

Website’s ease of use


English, Lithuanian

Funding methods

Viventor’s registration process

Although there’s a KYC (Know Your Costumer) check that requires to upload an identity document, an utility bill and a tax residence certificate, the registration is quickly processed. My tax residence certificate currently appears as invalid, but it doesn’t prevent me from investing.

Account funding and funds withdrawal

Website’s design and ergonomics

The design of Viventor‘s website is simple but very readable; it’s also very easy to navigate.

Even on a mobile phone, browsing the site is a pleasure; the only real inconvenience is the lateral menu, which doesn’t automatically hide after selecting an item. Another slight improvement would be to improve the layout of the auto-invest list, which requires to scroll horizontally before you can edit your settings.

A small inconvenience is that even though most pages seem to load very quickly, they’re actually unusable for a delay that can reach several seconds. It’s rather annoying, although in many cases, this slowdown is very short.

Available languages & translations quality

Viventor‘s website is only available in English; the English translation is excellent.


Viventor‘s reporting is rather impressive. The common features (account statement, investments list) are present and offer the opportunity to download data as an Excel file.

In addition, you can very easily visualize the diversification of your portfolio by country or loan originator, or check the overall interest rates. There’s even a cash-flow graph; unfortunately it only shows the next month, as the date range can’t be customized.

On the negative side, the displayed XIRR is absolutely wrong. As of June 2020, the platforms displays a value of 15.55%; however, my own computations lead to a much lower figure of 8.8% !


There’s a very detailed FAQ available, broken down by topic for easier reading. I also appreciate the already mentioned page about the loans originators !


Should you need to get in touch with the platform, there’s a chat box available in addition to the standard opportunity to send an e-mail. I used the latter option twice to get in touch with Viventor‘s support. My experience was excellent the first time, and disastrous the second time.

Indeed, after registering, I realized that I had stupidly made a typo in my middle name. The support team replied very quickly and immediately fixed my mistake.

A few months later, I sent an e-mail regarding the loan originator Aforti Finance, as there was very little communication from Viventor on this topic. I’ll let you judge the quality of their reply : “All of the informarion regarding Aforti is protected by condidecinality agreements, and all out going comnication has to be agreed upon by both parties. I am sorry for the incoviniece.”

Communication from the platform​

Investors may choose the frequency of the account summary : daily, weekly and/or monthly. Other than that, I didn’t receive any e-mail from the platform yet; investors thus shouldn’t fear that they’ll drown under unwanted e-mails.

Actual performance of my Viventor portfolio


At the end of June 2021, the XIRR for my Viventor portfolio was 13,76%.

After several months of 14% performance, my Viventor portfolio started performing very badly; it now stands at a much lower level than most competitors.

Don't hesitate to read my most recent crowdlending portfolio review for detailed platforms performance comparison as well as historical performance.

Portfolio creation date

I created my Viventor portfolio in May 2019.

Viventor's main competitors

For a detailed comparison of the different p2p-lending marketplaces, check out this article.

Viventor's facts & figures


Riga, Latvia

Founded in


Number of investors


Loans amount financed

€ 131,648,224

As of May 2020

Who can invest at Viventor

Viventor is open to both: individuals and companies. To qualify as an investor, it is required to:

  • Possess a bank account in one of the countries of the European Economic Area (European Union, Norway, Iceland and Liechtenstein);
  • Be at least 18 years old;
  • Provide a copy of your identification documents to Viventor.
Viventor FAQ


Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link – at no additional cost to you, of course -. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.

3 thoughts on “Viventor review”

  1. My tax residence certificate currently appears as invalid, but it doesn’t prevent me from investing.

    Does this mean that the platform is withholding taxes from your investments, so you have to handle this manually (most likely a hell as two tax authorities are involved, and what about 2x taxation)?
    I saw one post that Spanish loans is deducted Spanish tax.
    I can’t find any information on their website about this.

    • Hi Joe,

      Sorry for the late reply, I’m kind of busy now that I’m back in France. I didn’t see any mention of a tax withholding in my account statement; I’ll dig further and add another reply when I find something.

      Have a great day,


  2. Stay away from Viventor. The platform is currently owned by the Dutch Gielen Groep, which also owns loan originator Atlantis. What they do to prevent to pay back is to extend current loans indefinetly. Even funds in transit from Atlantis are in transit now for 4 months. In the meantime they only communicate that they will acquire other loan originators who are facing difficulties.
    Don’t fall for it. It is one big fraud.


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