From Lending to Crowdfunding: Digilo’s Licensed and Proven Path to Trustworthy Investments

We Are Licensed. We Are Experienced. We Stand for High Standards.

Digilo has officially received its license, and this milestone reflects far more than regulatory approval. It represents the continuation of a business built on real lending experience, a proven operational model, and a team that has worked together for many years. Our foundation is shaped by responsibility, long-term discipline, and a deep understanding of how to evaluate and manage real-estate-backed financing. Now, with a regulated and trustworthy crowdfunding model, we are opening this expertise to a wider investor community.

Deep Roots in Lending

Digilo is not a newly formed idea — it is the next step in a business that has been active in the Latvian lending and real estate market for more than a decade.

• Our founder established his first real estate company in 2008, which still operates today and provides mortgage loans to consumers.
• We have been providing business loans backed by real estate since 2009.
• We expanded our expertise further in 2016 by adding consumer mortgage lending.
• We have held a credit broker licence since 2023, operating in a regulated financial environment.
• Digilo is a licensed crowdfunding service provider in Latvia, fully regulated under the authorisation issued by the Bank of Latvia.
• We expanded our expertise further in 2016 by adding consumer mortgage lending, a regulated activity in Latvia that requires an official licence — which we have obtained and continue to operate under.

This experience gives us more than 15 years of practical knowledge in evaluating borrowers, analysing collateral, managing repayments, and operating within a regulated financial environment.

Our core team has been working together since 2017, and several key members have collaborated even earlier. Every addition to our team has proven themselves through daily work, not just with a CV — resulting in a strong, united, and highly experienced group. This continuity is one of Digilo’s greatest strengths.

Over these years, during thousands of evaluations and decisions, we have maintained a clean track record with zero capital loss in our own lending operations. This is the standard we carry forward into our crowdfunding activities.

A Solid Operational Base

We operate with a structured internal system and a dedicated in-house debt collection team. These are not side functions — they form part of our daily work, ensuring accountability and financial stability within our crowdfunding platform.

Every project goes through a multi-step evaluation process, where financial, legal, and collateral aspects are carefully reviewed before being approved by the sales team. This guarantees that only well-assessed and secure projects move forward to the investor stage.

Every opportunity listed on Digilo crowdfunding platform is backed by real assets.

We cooperate only with partners who share our standards of transparency, accuracy, and responsibility

From Lending to Crowdfunding — Built on Experience

Our transition from lending to crowdfunding is not an experiment; it’s a natural evolution of what we already do successfully. Digilo platform features carefully evaluated crowdfunding projects, each backed by real estate mortgages that provide tangible value and clear risk control.

Investors can expect clear information, open communication, and projects backed by real assets. We keep the crowdfunding investment experience professional, reliable, and easy to navigate.

We maintain high standards in our daily work, ensuring a smooth and professional investing process supported by responsive communication at every stage. During our first year of operation, we will focus on projects based in Latvia, gradually expanding into other EU markets as we grow and strengthen our platform.