Toolkit for SAVY publishers
This toolkit is designed for publishers promoting SAVY platform. It highlights key facts about SAVY and investment possibilities, helping you create accurate and compliant content.
About SAVY
SAVY is an investment and financing platform and the pioneer of peer-to-peer lending in Lithuania. Established in 2014 and supervised by the Bank of Lithuania, SAVY operates with a strong focus on sustainability, transparency, and long-term stability. It is the only platform in Lithuania that allows investors to access consumer, mortgage, business, and real estate development loans in one place. SAVY’s mission is to provide an alternative to traditional financing where money works for people, not banks.
Key facts:
- 12 years of successful market experience.
- €160M+ total loans originated.
- 36,000+ consumer and business loans granted.
- 17,400+ active investor community.
- €25M+ total interest paid to investors.
- 16% portfolio weighted average interest rate.
Transparency
We believe transparency helps investors make the best financial decisions:
- Track real-time statistics and portfolio performance on our website.
- Access quaterly reports.
- Stay informed through regular newsletters and social media updates.
Getting started and investing
- How to register? Registration consists of a few simple steps. First create your investor account, second – link your account with Paysera. This is essential for security purposes, as investor funds are held in segregated Paysera accounts and are not the property of SAVY.
- How to top your account? To add funds, make a money transfer from your personal bank account directly to your Paysera account. All interest and principal will be transfered to Paysera account. Non-invested funds held in your Paysera account can be withdrawn at any time.
- How to grow your portfolio with a few clicks? Almost 9 from 10 loans are financed automatically, so we recomment to create autoinvestment profile not just for saving time, but also in order not to miss investing opportunities. SAVY offers an efficient way to grow wealth through auto-invest tools.
You can choose how to manage your investments:
- Pre-defined strategies: choose a defensive, conservative, balanced, or aggressive strategy and earn 8–18%, depending on your risk tolerance. These pre-defined strategies are valid only for Consumer loans.
- Custom made (hands-on approach): Create your own investment strategy and diversify your portfolio by investment amount, credit risk rating, loan type, and duration.
Risk management and Investors’ fund
Understanding risks
The SAVY investment and financing platform is safe and reliable; however, investing always involves certain risks. We also encourage using diversification, the Investors’ fund tool and automated investment strategies offered by SAVY, which help evaluate and manage risk.
What is the Investor‘s fund?
Consumer loans, unlike mortgage, business, and real estate development loans, are not backed by any property or other pledged assets. However, SAVY offers a unique risk-mitigation tool called the Investors’ fund. If a borrower is late with repayments for 90 consecutive days, the fund automatically compensates investors for the outstanding loan balance and accrued interest. When investing with this fund, a portion of the earned interest is allocated to it, and in case of default, SAVY takes over the recovery process. The Investors’ fund is valid only for Consumer loans.
What is diversification?
Diversification is a key investment strategy that involves spreading your capital across different loans. On SAVY, you can diversify by loan type, return, term, collateral, and risk level – and the broader the portfolio, the more stable the potential return.
How much you can invest?
Investors can spread capital with a minimum investment of just €10 per loan. According to applicable laws, an investor can invest up to €500 in a single consumer loan and up to €1,000 in a mortgage loan, while there is no investment limit for business and real estate development projects.
Investment liquidity: Secondary market
The primary tool for ensuring investment liquidity on the SAVY platform is the secondary market, where investments in already granted loans are bought and sold.
Fees are applied only when investments are sold on the secondary market:
- 1% if the loan is on time or overdue.
- 3% if the contract is terminated and the loan is in default.
Investor safety
Security is at the core of SAVY’s operations, backed by strict regulatory compliance.
- Protection in case of bankruptcy: Investor funds are held in segregated accounts at a payment institution (Paysera) and are not the property of SAVY. Even in the unlikely event of platform insolvency, your money remains safe and would be returned to you or managed by an independent third party approved by the Bank of Lithuania.
- Loan defaults and delinquencies: SAVY performs rigorous credit assessments to minimize the risk of defaults. In cases of late payments, the platform actively engages with borrowers to find solutions, protecting investor interests.
- Legal ownership: Investors legally own the claim rights to the loans, meaning the investment remains yours regardless of the platform’s financial status.
- Regulation: SAVY is supervised by the Bank of Lithuania and operates in accordance with EU crowdfunding regulations (2020/1503).
Tax environment
Taxation of income earned through the SAVY platform depends on each investor’s country of tax residence. All investors are responsible for declaring and paying taxes in accordance with the laws and regulations applicable in their own country.
According to Lithuanian legislation, SAVY may be required to withhold personal income tax (PIT) from interest paid to certain investors, particularly non-resident investors. The applicable withholding tax rate is determined by Lithuanian law and may be reduced if a Double Taxation Avoidance Agreement (DTAA) between Lithuania and the investor’s country of residence applies. Investors who wish to apply a reduced withholding tax rate should contact us at investuoju@savy.lt for information on the required documentation.
Interest income earned through the platform may be classified differently depending on the investor’s country of residence and local tax rules. In many jurisdictions, investors must independently declare foreign investment income and pay any applicable taxes. Please note that interest income is generally taxable regardless of whether the borrower delays payments or fails to meet their financial obligations. Losses may not always be deductible and may be subject to specific national rules.
Tax regulations within the European Union are complex and vary significantly between countries. We strongly recommend that all investors consult a qualified tax advisor in their country of residence to ensure proper compliance with local tax obligations.
Quick Q&A
How is SAVY regulated? SAVY is supervised by the Bank of Lithuania and operates under all necessary licenses and EU regulations.
Is SAVY a P2P platform? Yes, it is Lithuania’s first P2P (peer-to-peer) platform, connecting private investors directly with borrowers.
How quickly can investors withdraw their money? Uninvested funds can be withdrawn from your account instantly. To liquidate active investments, you can sell them on the secondary market.
What happens if SAVY goes bankrupt? Your investments are protected as you own the legal claim rights to the loans. The administration of these loans would be taken over by an independent third party approved by the central bank.
Disclaimer: Capital at risk. Historical returns do not guarantee future results. Investing involves risks, including borrower default or liquidity constraints. Before deciding to invest, please review the risk factors or consult with a financial advisor.
Contacts
If you have any questions regarding investing or cooperation, please feel free to contact us.
Tel.: +370 (5) 272 0151
E-mail: investuoju@savy.lt
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