Frequently asked questions

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1. Can I invest on the PROFITUS platform?

Yes, both natural, and legal persons can invest on Profitus platform. You can start investing even in small amounts. Since we are a licensed platform supervised by the Bank of Lithuania, we have to check your investment knowledge and identify you properly when you register. If you invest more, we may ask you to justify your source of income.

2. Can a legal entity invest on the PROFITUS platform?

Yes, a legal entity can invest on the platform through a representative, that is, a person working within the company who acts under the authority of the director of the company. Please be noted that, when filling in the application form, you will also need to provide the information on the director of the company.

3. What is the smallest amount I can invest?

The aim of the PROFITUS platform is to make investment available for everyone even in small amounts. In each case, the minimum investment amount may vary. In one project, the investment amount may be 50 EUR, in another – 200 EUR or more.

4. What is the maximum investment amount?

Various amounts of money can be invested. If you invest more than 50,000 euros, you become a PROFITUS Nominal Investor. In this case, please contact us by email or by telephone +37063760776.

5. How to confirm my identity?

If you already have a PAYSERA account before you invest, you will be able to confirm your identity with a click of a button. If you already have a PAYSERA account and you are logged in to our self-service, you just need to follow the links by clicking on the “Confirm your identity” button.

6. What are the benefits of becoming a Nominal Investor?

If you invest EUR 50,000 or more, you become a PROFITUS Nominal Investor. In this case, please contact us by email or by telephone +37063760776. You will be able to earn even more due to special conditions and participate in meetings of Nominal Investors. Of course, you will get all our attention.

7. What platform fees apply to the investor?

Investor does not pay any platform fees. For more information on platform fees, please refer to here.

8. Which projects can I invest?


All projects you can invest in are listed here. Currently, we offer to invest in projects with collateral and to receive interest in return, according to the borrowed amount, as well as recovering the whole investment amount.

For more information on these types of projects, please see the section „How does it work?“.


9. How do I invest?


It’s easy!

  1. Sign up. Create your investor’s account on the PROFITUS platform.
  2. Add money to your account. After having opened a PAYSERA account, which will be used for the investments in projects, please ensure that the balance of this account is sufficient for the desired investments.
  3. Invest. Select the project which is the most acceptable to you and make your first investment. You may carry out this action with a single click.
  4. Earn. Every month or every quarter, you will be paid interest by the borrower. You will then be able to invest the received amount in other projects and to earn more money!

For more information on these types of projects, please see the section „How does it work?“.


10. Why invest in PROFITUS?

"Because here:
  • By investing in business loans with collateral, you can earn 9 to 12% of the investment amount per annum;
  • Investments start at 50 euros
  • You will receive additional income every month or every quarter;
  • You can always visit the real estate pledged to you;
  • As a platform operator, PROFITUS is included in the Public List of Crowdfunding Platform Operators and operates in accordance with the Law on Crowdfunding, and is supervised by the Bank of Lithuania.

11. How is the risk of a real estate project assessed?

The risk is assessed based on the evaluation algorithm approved in the PROFITUS platform. The algorithm consists of evaluating the project owner’s creditworthiness, project risk assessment, and appraisal of the pledged property. Risk is counted and appreciated by team members who have many years of experience in real estate. Also, in order to objectively assess the project, project owner data is checked in various registries, for example, CreditInfo and other sources.

12. How will my income earned on the PROFITUS platform be taxed?


If you are investing as a natural person, the earned interest is classified as B-Class income, which you must declare in Form GPM308 and its annex “Taxable Income”. You must pay 15% of the PIT (personal income tax) from this income. We will submit your required data to the State Tax Inspectorate on interest received during the calendar year.

All additional questions will be answered by e-mail or by telephone +37063760776.


13. How is my investment secured?

Your investment is secured by pledging real estate, as well as by other collaterals (e.g., indemnity or warranty). Different projects have different security tools that you can access in self-service for each project.

14. When is it possible to withdraw the money invested?

According to the payment schedule, the project owner pays the specified amounts on a regular basis to the PAYSERA account. When the contract expires, you will be refunded the total amount invested together with the interest paid during the contract period, for example, you invested 1,000 euros. According to the payment schedule, you receive 10 euros per month. If the contract period is 12 months, then you earn 120 euros (10 x 12 = 120 euros). The amount you can earn can be calculated here. Upon expiration of the contract, you will also be refunded 1,000 euros.

15. Where can I find information about my investments?

You can find all your investment information online at My projects.

16. How much can I earn on the PROFITUS platform?

Your earnings on the PROFITUS platform depend on the amount invested and the risk and profitability of the project. Calculator can always be used to assess the possible earnings. You will always see all information on your investments on the self-service of the PROFITUS platform.

17. I invested in the project. When will I earn?

Each project offers different income, which you will see in the payment schedule. You will also find a term according to which the project owner will pay you regular contributions.

18. What happens if the borrower wants to repay the loan prematurely?

The terms of early repayment are defined in each loan agreement. New agreements and new projects are subject to the provision that, in case a borrower is repaying the funds prematurely, investors receive 1 month interest to the actual term, for which interest is due. However, this may not be less than 3 months of interest from the start of their calculation.

19. What would happen if the project owner extends the loan repayment period?

If provided for in the contract signed between the PROFITUS and the project owner, it is possible. In most cases, the project owner will not be able to extend the loan repayment term. If the term of the loan is extended, we will inform you without delay using the contacts specified. Of course, we always strive for maximum benefits for investors.

20. What would happen if the total amount of the loan is not collected within a specified period?

Having failed to collect the total amount of funding within the planned period, we will return you for the entire amount invested before the end of the next day. The probability that this will happen is very poor. So, in this case you will not lose anything.

21. What would happen if the project owner is late to pay?


The borrower is encouraged to fulfil the obligations undertaken, according to the predetermined rules. If one or several payments are not performed within the prescribed period of time, a collection process will be initiated. You will be informed about the course of this process, according to the details that are provided. For more information, please see here.

Remember that your investments will be protected with collateral. In the case of delayed payments, a collection process from the assets will be initiated and this means that the real estate will be sold and the investments will be repaid to you.


22. What is my investment risk?

Investment means risk; otherwise we would not earn anything. To evaluate the risks, you can familiarise yourself with them in our separate document „Investment risks“.

23. Can I lose all my investment?

As all our projects are secured by collateral, a complete loss of the investment is practically impossible. However, investing always involves a risk of losing a share of the investment.

24. What else should I know before investing?

Before investing, be sure to familiarise yourself with the investment risks, examine the details of the particular project, calculate the return on the investment, and then only invest in it. It’s important to understand that you are responsible for your investment decisions.

25. Do I have the opportunity to sell my investments prematurely?

Currently, there is no such option, but we plan to have it in the future.

26. Is it possible to invest on PROFITUS without using PAYSERA?

At the moment, the only alternative way to invest without using PAYSERA is to come to visit us. :)

27. Ar investicijos yra apsaugotos indėlių ir įsipareigojimų įstatyme numatytu draudimu?

Investicijoms per sutelktinio finansavimo platformas nėra taikomas LR indėlių ir įsipareigojimų investuotojams įstatyme numatytas draudimas. Tačiau Jūsų investicijos yra apsaugotos nekilnojamojo turto įkeitimu, taip pat ir kitomis užtikrinimo priemonėmis (pvz.: laidavimu arba garantija).

28. How is the security of investors’ money ensured when raising funds?

Money of all investors is held in the technical account of the Electronic Money Institution Paysera, the manager of which is Profitus; however, the Profitus platform is not considered to be the owner of the funds. The account is intended solely for the technical management of payments between investors and project owners, i.e. to collect the funds of the investors for the project, to ensure full financing, and to pay the sum accumulated to the owner of the project. Accordingly, when the project owner are returned interest and investment, they are paid to the technical account, where the funds are allocated for investors. Profitus does not hold funds in the technical account, clients’ funds are not part of Profitus’ property – they are owned by the clients.

29. How do I recover my investments if there is not enough collateral?

The borrower is encouraged to fulfil the obligations undertaken, according to the predetermined rules. If one or several payments are not performed within the prescribed period of time, a collection procedure will be initiated: a writ of execution will be obtained from a notary, which will be passed to a bailiff for enforcement. The bailiff will then pursue the recovery of funds from the collateral.

If the collateral is insufficient for the recovery, the bailiff will further pursue the recovery of the investment from the other assets owned by the project owner.

If the funds are still insufficient to cover the investment and the expenses incurred by Profitus, insolvency proceedings (bankruptcy proceedings, consideration of raising the question of liability of the shareholders or the manager) will be initiated, provided that there is has been the possibility of bad management or an intentionally provoked insolvency.

For more information, please refer to our Procedure for Debt Collection.

30. What happens if the borrower becomes bankrupt or is restructured?

During bankruptcy proceedings, the interests of investors are protected by the value of the collateral, i.e. regardless of the number of creditors, the proceeds from the sale of the collateral, after a deduction of the costs of the insolvency administrator, will be allocated to serve the interests of the investors.

If the collateral is insufficient, the investors will join the general queue of creditors and their claims will be satisfied according to the standard procedure, i.e. they will be third in the queue (firstly – employees, secondly – state tax claims, thirdly – all other creditors).

In the case of restructuring, the creditor claims will be satisfied according to a recovery plan containing the terms and modes of the real estate sale, and payments will be drawn up by the debtor and approved by the creditors. As in the case of bankruptcy, the proceeds from the sale of the collateral will be allocated to satisfy the interests of the investors, regardless of the number of creditors in the company. If the collateral is insufficient, the remaining claims will be satisfied according to the payment plan that is drawn up in accordance with the queue of creditors described above.

31. What actions must be carried out by a legal person before investing?

Before investing, please make sure that you have carried out all the necessary authentication actions:

- confirmed the identity of your manager/authorised person;

- linked (confirmed) the legal person’s account with the Platform;

- provided additional documents: a copy of the identity document of the manager/authorised person, articles of association, decision on the investment adopted by the manager/shareholders/board (if relevant, according to the articles of association) and completed the legal person’s questionnaire.

Please note that, for the purposes of the verification of your identity, Profitus will address the State Enterprise Centre of Registers (the Register of Legal Entities and the Information System of Legal Entities Participants), from which it will obtain an extract from the Register of Legal Entities and a list of the members of the legal person (if the legal person is not one person).

32. What is the LTV and how it is calculated?

The LTV is the loan-to-value ratio. It shows the percentage of the loan on a mortgaged real property. Thus, if the borrower seeks to crowdfund EUR 70,000, his real property mortgaged for the benefit of the investors must amount at least to EUR 100,000; in such a case, the LTV will be 70%. 

The lower the percentage of the LTV, the better, since this means that more real property is being mortgaged for the benefit of the investors. However, you should also remember to consider whether the property is pledged by a primary mortgage.