Whether you are a conservative, moderate or aggressive investor you will have to manage risk and try to achieve as high returns as possible without compromising your risk management principles. A smart investor does not have to pursue one and neglect the other. It is possible to have both: manageable…

The month of June was a very special one for Debitum Network as we saw records broken in three instances: the number of investments, the number of users, and the amount invested using an auto-invest tool. It is the second week of the month, and it is time to look…

Future is full of uncertainties and being financially secure is one of the targets that people should pursue. Saving money for rainy days is an expression often quoted to stress the necessity to save. Emergency fund created for extra occasions or for retirement is the usual means of saving. It…

Getting into debt is a situation that most businesses would rather avoid. However, there are some instances when getting into debt is unavoidable – and actually good for your business. It is obvious that there are not only bad debts but also good ones. Some companies borrow and fail, others…

Access to credit is a crucial measure for a lot of businesses to function unhindered and expand. It is a fact that most small companies go bankrupt not because they do not have a business plan, talent, or ambition to pursue their goals, but due to lack of access to…

Last month we celebrated a few milestones on Debitum Network platform; one that we had 2 million euros invested in assets. The other one, April was the record-breaking month in terms of investments. Another month has passed and it is time to look through the stats again. How was the…

Interest in alternative finance platforms has been increasing steadily together with the number of platforms. Currently, there about 100 worth mentioning P2P and P2B platforms (Debitum Network included). The assets (loans) that the platforms offer for investors to invest in can be put into three main categories: consumer loans, real…

Platform redesigned from square one 8 months have passed since the launch of Debitum Network 1.0. Since then, one of our top priorities has been to improve the user experience and make the platform as user-friendly as possible. Over the last two months, our development team made a major step…

Minimizing risk and increasing reward ratio makes for a successful investment strategy in the long haul. ‘Do not put all of your eggs in one basket’ cliche clearly conveys the importance of diversification. Investors should not rely upon a single investment with a futile hope that it will somehow perform…

High-interest rates remain the key factor which attracts people to invest in assets on alternative finance platforms (P2P or P2B/B2B). Low-interest rates in the banks have driven people to search for alternative ways to put their money to use instead of keeping them in savings accounts for ridiculously low returns….

One more month passed by and it is time to look through the stats from our platform for the month of April. There was steady growth in most areas, and some even saw record-breaking numbers. The statistics reflect changes in the following data: number of registered users, money deposited, money…

Since its’ inception Debitum Network has aimed to be a platform that is open for both individual and institutional investors. We want to grow and offer a large variety of assets with attractive interest and all safety guards for users on our platform. It has been 9 months since it…

Risk/reward ratio is at the heart of each type of investment. A rule of thumb remains the same, the higher the risk, the greater the reward, the lower the risk, the lower the reward. Institutional investors seek the type of investment options that offer the highest return with the lowest…

Debitum Network keeps on growing and new parties onboard our platform each month. Today, we are happy to announce a new partnership as we onboard a new loan originator from Poland Aforti Finance. Aforti Finance is one of the leading non-bank lenders in the Polish market, which is one of…

It’s the second week of the month and a time to look through the statistics on the Debitum Network platform for the previous month. We saw slow, but steady growth in all the respective fields. In some areas, the increase was minor, in others more profound. The advance is not…

In our last post on investing we outlined how the principle of compounding interest can help an average investor stay ahead of inflation and create a nice nest egg for the future. Today we want to continue with the principle of compounding, but from a different perspective. We want to…

Dear Debitum Network community, We are proud to announce the expansion of our network. Last week Estonian leading service provider for credit information and risk management solutions Creditinfo Estonia joined Debitum Network platform. This is the third credit risk rating agency onboarded on our platform, and it will help us…

Wholesale industry assets were the most popular among investors on Debitum Network platform in February. The assets had the highest interest rates, so no wonder investors rushed to invest in them. However, one of the key investment rules should never be neglected – always diversify. Diversification reduces risk as funds…

Debitum Network keeps on growing and it is reflected by both increasing number of investors, deposits, invested money, and new functionalities added on our platform each month. We want to take you through some stats for the month of February, and introduce you to recently enabled functionalities on our platform….

It is a fact that most businesses go bankrupt within three years after the launch for one major reason – lack of access to credit. International Finance Corporation (under World Bank) research 2 years ago showed an astonishing fact that there was a 2.6 trillion $ credit gap for SMEs….

Dear Debitum Network community, It is great to announce the expansion of our network. We are very excited as a new credit rating company CrediWeb from Latvia has joined Debitum Network platform. This is the second credit risk rating agency cooperating with us to provide accurate risk rating for business…

The wholesale industry was the third in popularity among investors according to a percentage of funds invested into assets of specific industries in the month January; just 0.5% behind Logistics industry and 10% from the leader – ITT industry. We want to share the chart of the month of January…

New milestone – 1,000,000 euros in loans reached! We are happy to announce that we have reached an important milestone for our platform. Investors have invested the first 1,000,000 euros in loans! We wanted to express our gratitude to everyone who helped us to reach the goal. Thank you for…

We are happy to announce that Debitum Network platform operator ‘SIA Prosperitu’, established in the Republic of Latvia, has become a member of Latvian Non-bank association (Alternative Financial Services Association). “To be a part of the association is another opportunity to upgrade our knowledge and offer new opportunities to our…

We are happy to announce that as of 25th of January, new loan originator (broker) from Latvia TradeBacking joined Debitum Network platform. The company provides loans via trade financing for SMEs in all three Baltic states: Estonia, Latvia, and Lithuania. The head of the Trade Finance division Eriks Meinarts gave…

In our blog post, where we reviewed how our platform performed last year, we mentioned what percentage of assets were funded in specific industries. The most popular were  Wholesale, Services, Retail, Manufacturing, Logistics, ITT, Construction. We want to share the chart with you again and then, stress why investors should…

Lending at interest has caused lots of debates over centuries. In the middle ages, it was considered outright evil. Nobody thinks like that anymore. Lending institutions (banks) have become the largest business enterprises in the world. Borrowing and lending have become an inseparable part of business and economy growth. Both…

A year has passed, many people have made their New Year resolutions, some looked back to see what happened throughout the past year to determine what was achieved and possibly started making new plans. Businesses, similarly, turn back to look how profitable the year was, evaluate results, prepare for the…

Debitum Network platform has been around for some time now. We started with the Abra 1.0 version where there weren’t as many features as there are now. In half a year, we added many new functionalities and features such as buyback guarantee, auto-invest, upgraded our risk valuation model, implemented exchange…

After the 2008 financial crisis interest rates remain very low in most of the Western world. Keeping money in a bank will actually cause you to lose money as inflation is higher than the returns on most savings accounts in Europe. No wonder, market analysts and seasoned investors have been…

A lot of small businesses, especially those that are seasonal in nature, often need short-term loans rather than long-term ones to have working capital for daily business needs, purchase goods, materials, inventory, and equipment, meet payrolls, or pay for services in order to function unobtrusively. They repay the loans in…

Delayed and non-performing loans is an inevitability even on the safest p2p lending platforms. If an investor has a lot of loans in his portfolio, he will occasionally have a defaulted or delayed loan. Commercial banks typically have 1-2% percent of defaulted loans. Percentages with different loan originators or p2p…

Every year LendIt organizes one of the biggest events for innovation in financial services and lending. This year the event took place on the 19-20th of November in London. There were more than 1000 participants and over 150 speakers from 50 countries, including our own Martins Liberts. This year’s agenda…

In P2P and P2B lending platforms a buyback guarantee is a guarantee provided by a loan originator regarding a specific loan. If repayment of that particular loan is delayed by more than a specified number of days (typically from 30 to 180), then the broker (loan originator) is obligated to…

Risk assessors give businesses that come for a loan a credit score. It is a rating that provides a conclusion on your business credit reports. The credit score helps lenders understand the strength of your business model, how responsible and committed you are to achieve your business goals, and whether…

Importance of logistics for business It would be impossible for the current world to exist without goods or objects delivered or transported between places. Logistics is a part of supply chain management; it plans, implements and controls the flow and storage of goods and services in order to meet customer’s requirements….

Losing money to inflation? It is a proven fact that the amount of money you have today is worth more than it will be in the future and in places like Venezuela or Zimbabwe, unfortunately, your money, eventually, becomes worthless. This happens due to a process of inflation, which is…

Investing is always associated with risk. There are no 100% safe investments. An investor always looks to balance the acceptable level of risk with potential reward. Some are willing to bet on EUR/GBP exchange rate fluctuations in the face of Brexit with 20x leverage on some retail Forex platform, while…

Saving and investing in money matters might be compared to defense and offense in military. One maybe considered more passive. You know, waiting in the trenches and waiting for the enemy to attack, and yes, expect to successfully defend. The other one is more active. It is not waiting for…

The cost of borrowing money is known as interest. When an individual or a business takes out a loan, the money they must pay back in addition to the initial amount is the interest. When you deposit money in a bank, the amount the bank pays you to keep the money…

One way to classify investing strategies is to take into account the time horizon. Long term versus short term is often discussed by financial experts, analysts and portfolio managers. One type of strategy by no means is better than the other. We may take the Oracle of Omaha Warren Buffet,…

Debitum Network pursues the goal to have a decentralized lending marketplace platform, which would involve as many professional businesses, institutional and private investors, as well as qualitative third parties providing services such as risk assessment, insurance, and debt collection. One of the parties is loan originators that put invoices or…

Debitum Network platform 1.0 Abra has been live for one month. Borrowers have uploaded the assets (short term loans) to be financed, a lot of investors onboarded and now anyone can participate in the funding process to help with the growth of SMEs around the world. We currently have 32…

Diversification in investments is a method to reduce risk by distributing your funds among different financial instruments, industries, categories, and investment timeframes. Investors similarly use it to maximize returns on various investments that tend to perform differently at different market trends. It may not completely rule out risk, but surely…

Lending institutions give businesses that come for a loan a credit score. It is a number that provides a conclusion on your business credit reports. The credit score helps lenders understand the strength of your business model, how responsible and committed you are to achieve your business goals, and whether…

Every year, Keynote World Blockchain Forum organizes the biggest blockchain industry influencer event – World Blockchain Forum London, where visionary leaders, economic pioneers, and enterprising investors from around the world come and discuss the future of our financial world. The event features world-class speakers that participate in discussions that help shape…

Investors will always seek how to deploy their money and diversify them, considering risk, expected return, and available capital. Financial and investment analysts monitor various funds, indices and other investment options to figure out which investment portfolios earn the highest average throughout the years. Investors, business people, and those, that…

On the 23rd of August, Debitum Network organized a testing event in Blockchain Vilnius premises and presented a demo version of the long-awaited platform, that is due to be released on the 3rd of September. Co-founder and visionary of Debitum Network Martins Liberts gave a short speech to VIP attendees,…

VZ (Verslo Zinios), one of the leading business/finance newspapers in Lithuania invited co-founder of Debitum Network Martins Liberts for an interview. Martins sat down to share his vision of Debitum Network, behind the scenes of preparation for the upcoming release of the platform on the 3rd of September, and future…

The global problem of job loss to technology As the 21st century has become an age of technological innovations, automation and robotics, an acute problem of job losses to technology has become actively discussed topic by governments, companies and ordinary people around the world. The trend has been prevalent in…

Our global lending platform Abra 1.0 launches on the 3rd of September. After the launch, investors from around the world can start onboarding, and, after authentication, begin investing in available assets. Credit score and interest rate Investment assets are loans and they are categorized or filtered according to credit score…

Our team at Debitum Network is expanding rapidly and with the approach of the platform in September, we expect to grow even more. Today, we want to introduce you to our new country manager for the Czech Republic Nikita Inzhevatov. Nikita spent two weeks in our Vilnius office familiarizing himself…

Traditional way of getting a loan, that involves going to a bank and filling an application is probably the only way most people imagine. However, there are a lot of other ways to get funds for your small or medium-term business. Alternative finance p2p platforms such as our own Debitum…

A lot of small business enterprises find it difficult to obtain traditional loans from banks. If you started your business just a few years ago, have a low credit score and need less than $200, 000, a bank will probably reject your application. According to some estimates, banks will reject…

Investors and smart money are in constant search for good options to invest their capital with as high expected returns as possible and as minimal risk level as possible. Despite the fact, that risk and safe hardly ever walk together, historical records show that above average returns abound in newly…

Debitum Network 1.0 Abra receives a new feature – Industries. Industries attribute was added to each asset. Industries attribute also will be visible in Asset list. This attribute will allow Investors to perform more precise analysis, search of attractive assets. It will also improve filtering functionality, statistics numbers, and assets…

Management team of a successful company should treat available capital (the one that can’t be deployed right away) similarly as any investor would do – diversify it among assets, look for solutions over various periods of time, ensure durability of their business. Investment in alternative financing via various platforms like…

You must look at the industry you are in if your SME wants to find a loan. Many groups might have an easier time with getting loans. You are more likely to benefit from a quality loan if you are in one of these industries where loans are often requested…

The process of applying for a loan for your SME can be a hassle to bear with. It is even worse when your business is unable to get the loan it requires. There are many issues to watch for regarding what might make it harder for you to get the…

A lot has happened internally in Debitum Network. Our team has grown, and we have seven new Debitum family members. The platform process has been tested by onboarding the first assets. The development team has kicked into high gear, and we successfully closed Q1 of 2018. We decided this would…

Recently, the need for third-party vendors for giving out a loan has been rising. More and more different processes are being incorporated into proper loan management. As it is too difficult for the financial centers to take care of the whole process themselves, they keep third-party vendors in the loop….

A month ago we announced our partnership with Credital. Now it would be a good time to explain a bit more about this in detail. This partnership works great for both parties. Credital is an alternative lending company. They provide business loans to SMEs in Lithuania. Their core focus as…

We are pleased to announce our newest partnership with Lithuania Kaunas University of Technology (KTU). KTU will take part in the development of Debitum Network Trust rating calculation algorithm for ecosystem community members. KTU was established back in 1922, since then they are working on a sustainable partnership between science and…

If you have a small or medium enterprise, you probably thought about applying for external financing, essential for growth. Consequently, you likely faced a lot of trouble. Taking out a loan for a small company is a long and complicated process demanding lots of effort and often ending up to be fruitless. Here, we introduce you to the most common SME financing problems and possible solutions for them.

We had an interview with our international business development advisor Andrius Nikitinas. As an Attache for commercial relationships with 3 countries, Andrius represents Lithuania at the highest levels of diplomatic activity including meetings with Heads of State and senior politicians.

Being involved in evolution and revolution of the financial industry in the last 30 years, Michael provides valuable insights on what is going on in fintech sector, blockchain technology, innovations and value creation, and shares his insights on key aspects of Debitum Network project.

We interviewed Front-end Developer Andrius Bilinevičius to learn more about his involvement with Debitum Network project.

With so many new partnerships already announced and we’re proud to announce yet another one – PayPie. PayPie is a blockchain-powered credit risk assessment company, making them perfectly aligned with our goals.

Alongside to perfecting our product, we are also bringing together a network for our ecosystem. The network of members from various fields is essential for proper functioning of the ecosystem, and we excitedly present you the first risk assessor: Scorify. An innovative credit risk company that joined Debitum Network, so we could provide you with an even better product and be operational in short time.

During the pre-sale, the round A, we raised enough capital for first product version and started developing the Debitum Network platform. One of key persons in this stage is Debitum Network product owner Skaistė.

With almost 8 000 members (the number is growing rapidly!) to manage every day, Vytis is truly a rock star of the Debitum Network community. With his multicontinental studying experience and love for international working environments, Vytis feels at home in his role at Debitum.

I’ve not disappeared – I’m making sure that first production candidate version of Debitum Network gets to see daylight as soon as possible. It means I have moved from the upper deck all the way down to the engine room. What have we been up to down here?

It’s a widespread story we often hear and read about in the press how the small and medium-sized enterprises (SMEs) undergo financing problems.

Product Manager of Glitch (which pivoted to Slack) reveals his principles for making successful products and shares what inspired him to become part of Debitum. Transcription Mārtiņš Liberts: Hello, everyone. My name is Mārtiņš. I’m a co-founder of Debitum Network. Here with me today is Märt Lume. Märt Lume: Hello….

In this interview, a client Kipras Bunikis CEO of LYNN group, reveals reliable facts about working together with Debifo as a business partners. On top of that, he is more excited to join a Debitum Network using blockchain technology. Our journey to Debitum Network started in 2015. Debifo company was…

In this short video Donatas reveals the team’s success so far with regards to on-boarding new service provider partners ahead of the Debitum Network crowdsale on 30th November.

Debitum Network, a lending marketplace for SMEs has announced a partnership deal with a well-respected credit bureau, Creditinfo, solidifying the first credit risk processing framework ahead of the upcoming ICO on November 30. (Vilnius) Debitum Network, an innovative new funding platform for micro, small, and medium businesses (SMEs) has taken…

I was going to #d10e in Kiev to present this morning and, as it happens, I was traveling business class of a Ukrainian Airlines plane. It was not the first time I had traveled business class — late flights, re-seating, and my long corporate experience meant this was happening once…

As we at Debitum Network were looking through dozens of blockchain projects lately, we often had trouble getting the gist. We were wondering, why do people busy themselves with so much complex stuff with little-confirmed demand, while the pain we try to eliminate is very simple and obvious. Later we…