Investment risk management
Investing in loans involves certain risks. Every investor who wishes to put their money to work through the SAVY investment and financing platform must familiarize themselves with the potential risks and assess whether these risks are acceptable to them.
Peer-to-peer lending risks
To minimize the risk associated with consumer loans to individuals, SAVY carefully evaluates each loan application submitted by a borrower. This assessment is based on the data and documents provided by the applicants, as well as information from various data registers. Only loans that meet the established criteria are made available for investment.
Borrower default
The borrower may delay loan repayment or fail to repay the loan entirely. The lower the credit rating, the higher the risk.
Lack of liquidity
Investments are often “locked in” until the end of the loan term. To exit an investment early through the secondary market, it may be necessary to sell it at a discount.
Tax environment changes
In the future, laws regulating the taxation of interest may change, which could result in the investor having to pay higher taxes or losing previously applied benefits.
Consumer credit borrower bankruptcy
The bankruptcy of a consumer credit borrower may result in a partial or total loss of the investment.
Changes in the unemployment rate
A sudden increase in the country’s unemployment rate can negatively affect the creditworthiness of borrowers with lower incomes. In such cases, some existing borrowers may move into higher-risk categories, increasing the likelihood of default. This can directly impact the investor’s returns, leading to reduced profits or losses.
Consumer loan default risk according to SAVY rating
Interest rate ranges for consumer loans according to ratings
A1 | 6 – 11 | B1 | 8 – 18 | C1 | 12 – 24 | D1 | 16 – 30 | E1 | 36 – 48 |
A2 | 7– 13 | B2 | 10 – 20 | C2 | 13 – 26 | D2 | 18 – 33 | E2 | 48 – 60 |
A3 | 8 – 15 | B3 | 11 – 22 | C3 | 14 – 28 | D3 | 20 – 36 | E3 | 60 – 75 |
It is important to emphasize that the investor personally chooses which loans and how much to invest, therefore the risk associated with investing in a loan rests with the investor themselves.
Crowdfunding risks
To minimize the risk of business loans, SAVY carefully evaluates each company applying for financing and employs loan collateral measures that help manage risks.
Changes in project circumstances
The financial situation of the project owner may change during the loan period — it can improve or worsen. In the event of adverse changes (e.g., reduced income, increased obligations, or market uncertainty), the risk of delayed or incomplete loan repayment increases.
Lack of liquidity
Investments are often “locked” until the end of the loan term. To sell an investment early on the secondary market, it may be necessary to sell it at a discount.
Insufficient information / dishonesty
The project owner may fail to disclose important facts or provide inaccurate information. Such a situation can limit the ability to properly and thoroughly assess the risks associated with the investment.
Legal disputes
Transactions related to the project — such as mortgages, property purchase-sale agreements, or other financing collateral documents — may be contested by third parties in court. Such disputes can negatively affect the validity, value, or enforceability of the collateral, increasing the risk of financial loss for the investor.
Bankruptcy of the project owner or guarantor / promissory note issuer
In the event of insolvency or bankruptcy of the project owner, guarantor, or promissory note issuer, the likelihood of recovering the invested capital or part of it may decrease. This can have a direct negative impact on investment returns.
Changes in the tax environment
In the future, legislation regulating the taxation of interest may change, which could result in the investor having to pay higher taxes or losing previously applicable tax benefits.
When investing in both peer-to-peer lending and crowdfunding projects, it is important to note that:
- Investments are not covered by the deposit guarantee scheme defined in EU Directive 2014/49/EU;
- The investor compensation scheme under EU Directive 97/9/EC and the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania also does not apply.
This material is provided for informational purposes only. It does not constitute an investment recommendation or an invitation to invest. Before investing, carefully assess your financial situation, knowledge, and risk tolerance. If necessary, consult a licensed financial advisor.
It is important to emphasize that the investor independently chooses which loans to invest in and the amount to be invested, and therefore the risk associated with loan investments lies with the investor.


Investment risk
The SAVY investment and financing platform is safe and reliable; however, investing always involves certain risks. Therefore, we recommend that every investor familiarize themselves with the potential investment risks and assess whether they are acceptable. We also encourage using the tools and automated investment strategies offered by SAVY, which help evaluate and manage risk.
What are the main risks of investing?
- Failure to properly fulfill the financial obligations specified in the loan agreement. For example, missed payments, consistently late payments, partial payments, or similar issues.
- Complete non – fulfilment of the financial obligations specified in the loan agreement. The borrower may fail to meet their assigned financial obligations entirely.
- Changes in the national unemployment rate. An increase in unemployment could raise the risk of default among SAVY borrowers with low incomes.
- Borrower default. There may be cases where the borrower fails to meet the financial obligations outlined in the credit agreement and may initiate personal bankruptcy proceedings.
- Tax environment. Interest paid through this platform is classified as Class B income, which the investor must declare and pay a 15% income tax on (applicable to interest exceeding €500 in a tax year). The amount of interest paid cannot be reduced even if the borrower fails to meet their financial obligations on time. As a result, there may be situations where losses incurred during a calendar year exceed the invested amount or received interest.
Why choose the SAVY platform?
The SAVY team carefully evaluates loan applications and strives to minimize investment risk. Each application is thoroughly analyzed—creditworthiness is assessed, the provided information is verified, and potential risk factors are considered. Investors are presented only with loans that comply with legal requirements and responsible lending principles.
According to applicable laws, an investor can invest up to €500 in a single consumer loan, up to €1,000 in a housing loan, while there is no limit on the amount invested in crowdfunding projects. SAVY recommends investing in as many different loans as possible—diversification is one of the most effective ways to manage risk.
It is important to note that investors independently choose which loans to invest in and the amount allocated to each investment, so the investment risk lies with the investors themselves.