Capitalia
Capitalia is a Latvian peer-to-peer lending and alternative financing platform founded in 2007 and headquartered in Riga. As the leading SME financing provider in the Baltic region, Capitalia operates across Latvia, Lithuania, Estonia, and Finland. The platform specializes in business loans, real estate development financing, and loans to farmers. Capitalia holds a European Crowdfunding Service Provider (ECSP) license granted by the Bank of Latvia in 2023, making it a fully regulated platform under EU crowdfunding regulations. The platform has financed over 5,000 businesses with more than EUR 117 million invested.
Capitalia in real numbers
Anonymized statistics from all Capitalia portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
9.4%
Based on 32 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 18 stated strategies
Combined portfolio value
€656,506
Investors on P2P Dash
48
Interest earned all-time
€63,574
Median cash drag
7.5%
Share of funds sitting uninvested
Capitalia returns over time
Median annual return of Capitalia investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
9.3%
15 investors
9.1%
2024
9.9%
2025
9.4%
2026
Is money moving into Capitalia?
Monthly deposits minus withdrawals across Capitalia investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€109,858
48 investors tracking
In Q2 2026, Capitalia ranks 28 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Alternatives to Capitalia
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
MyPeak Finance 99 investors
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Capitalia
Answers based on anonymized community data from P2P Dash investors.
What is Capitalia?
Capitalia is a peer-to-peer lending platform, founded in 2007 (headquarters: Latvia). On P2P Dash, investors import their Capitalia account statements to track the real net return they earn there.
What return do investors actually earn with Capitalia?
Across 32 Capitalia portfolios tracked on P2P Dash, the median net return (XIRR) is 9.4%. The middle 50% of investors earn between 8.7% and 10.1% (as of August 3, 2026).
How many investors track Capitalia on P2P Dash?
48 investors track their Capitalia portfolios on P2P Dash, with a combined portfolio value of €656,506 and €63,574 in interest earned all-time.
Are investors currently adding or withdrawing money at Capitalia?
Of 18 stated strategies for Capitalia, 50% plan to add funds or reinvest, 11% intend to hold, and 39% plan to reduce or exit (as of August 3, 2026).
Is Capitalia regulated?
Yes, Capitalia is a regulated platform supervised by Latvijas Banka.
Does Capitalia offer a buyback guarantee?
Yes, Capitalia offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Capitalia portfolio?
Export your transaction history from Capitalia (csv, excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Capitalia?
Based on the community ranking, the closest alternatives to Capitalia in the same asset class are Debitum, Triple Dragon Funding, MyPeak Finance. Each platform page shows real median returns and investor numbers from the P2P Dash community.