We are excited to welcome our latest Loan Originator, Virtus Lending, a Kosovo financial institution that has provided leasing and consumer loans since 2019. Virtus Lending specialises in financial leasing for used cars and customised loans for individuals and businesses, offering fast and flexible financing solutions. With a focus on same-day approvals and a fully automated lending process, Virtus Lending ensures that borrowers can access funds quickly and seamlessly.
Virtus Lending’s digital-first approach allows borrowers to secure vehicle financing without extensive paperwork or long wait times. Their proprietary credit assessment model ensures fast approvals, with some loans being approved within just one minute. By leveraging technology and automated scoring, Virtus Lending can serve a broad range of borrowers, including those who may not qualify for traditional bank financing.
Virtus Lending provides financing solutions designed to be inclusive and sustainable. Their leasing model allows borrowers to use their vehicles as collateral, ensuring strong borrower incentives to maintain repayments. For consumer loans, collateral is not required, making them accessible to a wider range of borrowers.
With a multi-year track record of growth, Virtus Lending has already issued €16.4 million in loans and currently manages a loan portfolio of €8.2 million. The company has maintained strong financial performance, with a net profit ratio of 17% in 2024 and a low non-performing loan (NPL) rate, ensuring the quality of its loan book.
As Virtus Lending continues to expand, it is set to grow its operations further, with plans to introduce POS merchant loans and BNPL e-commerce financing. By leveraging scalable debt funding and a technology-driven lending approach, the company is well-positioned to strengthen its role in Kosovo’s alternative lending market.
To start the cooperation, Virtus Lending offers leasing (Car Loans) and consumer loans(Instalment loans) with yields of 10-12 % per year to investors on the Income. All listed loans come with a buyback obligation and a risk-adjusted Junior Share. Car loans have a 24% Junior Share, with maturities ranging from 24 to 84 months and an average of 57 months. Instalment loans come with a 27% Junior Share, with maturities between 3 and 24 months, averaging 15 months. These secured, asset-backed loans provide stable and attractive returns, making them a good addition to a diversified investment portfolio.
Don’t miss out—diversify your portfolio with Virtus Lending today!
