How It Works

DoFinance is a P2P lending platform that allows everyone to become an investor just by following these four easy steps:

  • Register
  • No registration fee
  • Simple form to register & confirm identity.
  • Gain access to information about all investment opportunities
  • There is no obligation to deposit funds in order to create an investor’s account.

Why invest with us?


Depending on your chosen investment plan, you can earn up to 11% annual return.


You can access your money at any time. If you decide to withdraw the invested money before the due date, you can receive your money starting from 14 days after your request with accumulated interest, depending on your chosen investment plan.


DoFinance offers a BuyBack guarantee for all loans. If the borrower is late with their loan repayment, the loan originator immediately pays you back the whole principal and accrued amount of interest.


DoFinance is an easy to use platform. You can choose your preferred Auto Invest programme or select investments manually from the listed loans. You can constantly monitor your investments and accumulated interest rates.


You must be at least 18 years old, have a valid e-mail address, valid documents (passport or identification card) and bank account within the European Union, Switzerland or any other country of the EEA, which is not included in the lists of high risk and non-cooperative jurisdictions or is not subject of international sanctions. For complete registration you will have to provide a national identification card (scanned or photographed both sides) or passport (scanned or photographed).

All you need to set up an investor’s account is valid documents and a personal bank account in European Union, Switzerland or any other country of the EEZ, which is not included in the lists of high risk and non-cooperative jurisdictions or is not subject of international sanctions. Completing the setup involves adding funds to your investor`s account by transferring funds from your private bank account. Detailed information on how to add funds will be sent to you by e-mail after registration, or you can find payment details in your DoFinance account under Summary / Add more funds.

All investments at DoFinance are in euro. Therefore, transfers in euro can be carried out hassle-free. But if you want to transfer other currencies to your investor’s account, you can use a money transfer service. We suggest to use Transferwise, in order to reduce currency exchange risks + money transfer commissions.

There are 3 simple steps - register, add documents and add funds (starting from 10 euro). When you have added money in your investor's account, you can start investing. We recommend you to use some of DoFinance Auto Invest plans. The DoFinance automation tool creates an investment portfolio based on your preferred term, amount of money and interest rate. If you use the Manual Investment option, we suggest splitting your investment up into several loans, to diversify your portfolio.

There are no investment limits for individual investors. But in accordance with DoFinance Anti-money Laundering procedure, we will ask for some additional data to investors who will exceed 10 000 euro and 50 000 euro limits. 

You can choose to invest in loans with a term ranging from 1 day up to 60 months.

Auto Invest is free of charge and is an easy-to-invest, easy-to-manage and automation tool for diversifying your investment portfolio. Auto Investing means that a person entrusts the distribution of the money invested and the same investment in the DoFinance system. We recommend using Auto Invest if you invest bigger amounts as the system automatically divides the sum by 10-20 EUR into investments and invests in various loans. Profit interest rates in Auto Invest programs are 5%, 7%, 9% and 11%. When your Auto Invest term is finished, you get your invested money and plus the interests back into your investor account. If you want to reinvest your money, you need to choose new Auto Invest plan, and your money will be automatically reinvested in different loans until your Auto Invest term will finished again.

A BuyBack guarantee is a guarantee issued by the loan originator to the investor for a particular loan. It confirms that the loan originator will repurchase the loan from investor if repayment of that particular loan is delayed. The BuyBack guarantee is applied for all loans in DoFinance system. It starts on the first day after the end date of the investment. We call it Instant BuyBack.  

It depends on your selected investment plan. With Auto Invest it’s possible to cancel all programs: 5% plan – you can receive your money 7 days after your request including accumulated interest. 7% plan – you can receive your money 30 days after your request with 5% interest or 60 days after your request including accumulated 7% interest. 9% and 11% plans – you can receive your earned interests each 30 days after investment (automatic monthly interest repayment) or principal amount 90 days after your request without interest. If your account is less than 10 Eur, then you must transfer the entire amount at a time. It is not possible to cancel investments that are made with the Manual Invest option.

DoFinance doesn’t tax accrued interest therefore investor receives full amount. In addition regarding taxes – profits earned in DoFinance are tax object and  by taking into account the legislation of the country where the investor is resident (for tax purpose perspective). Actions related with payment of taxes are on investor’s responsibility. At the end of the year we do provide account statement specifying interest received.

In order to minimize the risks for investors Alfa Finance group has several security measures:   * all loans on DoFinance are covered with BuyBack guarantee. This means that, if the borrower is late in repaying a loan, loan originator will immediately pay you back the whole principal and accrued amount of interest.   * Alfa Finance group investments in risk assessment tools has brought potential risks to minimum. Moreover, the Alfa Finance Group grants short-term consumer loans which also gives certain stability in the risk equation. Compared to long-term loans, it allows foreseeing trends much better. It is as simple – if there is a borrower who doesn’t pay back on time, we can easily prevent it from happening again. Thanks to that, we instantly see regularities, improve risk tools and score cards, therefore minimizing potential risks.   * 10% of each loan amount invested by DoFinance investors remains in the balance sheet of the Alfa Finance Group 

The security of your information and private data (as well as investment risk reduction) is one of our top priorities. DoFinance deploys organized data storage in accordance with the highest security standards and relevant Latvian legislation. 

Yes, all investors are anonymous.