Statistics
Statistics on the loans to Baltic businesses funded on Capitalia crowdfunding platform.
Net return
Net investment return is interest and loan penalties earned, after deducting losses from defaulted loans and provisions for doubtful loans. Restructured loans carry provisions of 10% which in most cases does not turn out to be an actual loss and the return improves once such loan is repaid. Interest rate ranges from 5% annually on the safest loans up to 18% for the most risky projects. The weighted average project interest rate is 11.66% and the weighted average annualized loan loss rate is 1.14%, resulting in weighted net return of 10.52% (as of 2026.02.20). The return fluctuates based on the overall economic conditions, however, overall is very stable.
Net return is weighted average interest rate of all funded projects reduced by the observed weighted annualized loan loss rate
How it compares
Growth of an EUR 1,000 investment in loans to Baltic businesses would ensure a stable savings growth over the last six year period. This return compares very favorably with returns of investment to any other general investment categories in the eurozone.
Source: Capitalia Net Returns, iShares Core MSCI World UCITS ETF, iShares Global High Yield Corp Bond, iShares Developed Markets Property Yield UCITS ETF, iShares iBoxx $ Investment Grade Corporate Bond ETF, JPM Eur Money Market VNAD D Eur
Past performance does not guarantee the same results in the future. Any historical return or loan default statistics may not reflect future results. Investments involve risk, including the risk of partially or fully losing invested funds. Read more in Risk management and see our statistics below.
Funded projects
Sum of financed projects by months
Portfolio quality
Distribution of the portfolio by risk and late days
| A+ | A | B | C | D | Total | |
|---|---|---|---|---|---|---|
| Issued | € 14,173,479 | € 22,572,592 | € 58,352,740 | € 26,278,779 | € 2,990,104 | € 124,367,694 |
| Repaid | € 13,843,866 | € 19,289,838 | € 43,852,758 | € 21,515,188 | € 2,691,881 | € 101,193,531 |
| Active | € 329,613 | € 2,677,613 | € 11,739,796 | € 2,976,779 | € 138,356 | € 17,862,157 |
| 1-30 days | € 0 | € 230,257 | € 769,196 | € 734,803 | € 15,265 | € 1,749,521 |
| 31-60 days | € 0 | € 0 | € 6,079 | € 334,067 | € 0 | € 340,146 |
| 61-90 days | € 0 | € 0 | € 373,353 | € 100,567 | € 62,430 | € 536,350 |
| 91-180 days | € 0 | € 0 | € 319,873 | € 83,771 | € 41,837 | € 445,481 |
| 181-360 days | € 0 | € 0 | € 681,381 | € 182,524 | € 0 | € 863,905 |
| Over 361 days | € 0 | € 374,884 | € 610,304 | € 351,080 | € 40,335 | € 1,376,603 |
Last updated 01.09.2026
| A+ | A | B | C | D | Total | |
|---|---|---|---|---|---|---|
| Weighted average interest rate | 8.54% | 10.69% | 11.68% | 13.24% | 15.47% | 11.92% |
| Loan loss rate | 0.00% | 0.83% | 2.73% | 1.24% | 0.71% | 1.74% |
| Loan write-off rate | 0.00% | 0.00% | 0.24% | 0.06% | 0.00% | 0.12% |
Last updated 20.02.2026
Loan loss rate calculations are based on the latest recovery estimates. Losses from written-off loans and provision expense for doubtful loans are summed and divided by the total loans issued. Loan write-off rate shows loans deemed unrecoverable divided by the total loans issued.
The regulatory Default Rate Disclosure Information is available here.
Portfolio quality by vintage
The table below provides weighted average interest rate, annualized default rate, and annualized loss rates for portfolios generated in each year.
| 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Weighted average interest rate | 13.98% | 12.45% | 12.87% | 11.92% | 11.11% | 11.05% | 12.32% | 12.08% | 10.73% |
| Weighted average term | 11.23 | 8.06 | 11.40 | 9.91 | 17.32 | 16.55 | 17.95 | 20.52 | 19.08 |
| Annualized default rate | 0.00% | 2.38% | 3.47% | 2.06% | 6.72% | 2.83% | 4.21% | 5.79% | 2.45% |
| Annualized loss rate | 0.00% | 0.00% | 0.32% | 0.00% | 2.70% | 1.02% | 0.53% | 1.99% | 0.88% |
| Net return | 13.98% | 12.45% | 12.55% | 11.92% | 8.41% | 10.03% | 11.79% | 10.09% | 9.85% |
Last updated 20.02.2026
Investors
2205
Number of registered investors
74
Average number of investors per project
1,676 €
Average investment per investor
11.92%
Average interest rate