Digilo helps business owners secure fast, transparent financing backed by real estate — funded by a community of investors across Europe.
- Up to 6-month payment deferral
- Term up to 15 years
- Secured by real estate
- Interest rate from 9% per year
All Digilo loans are backed by real estate to ensure responsible lending. Your project must include a property that can be pledged as collateral, and its value determines your maximum loan size.
The value of your pledged property determines your maximum loan size, with financing available up to 60% loan-to-value.
Once you submit your documents, our team completes the evaluation promptly and keeps you informed at every step.
Your interest rate is based on project risk, collateral quality, your business track record, and market conditions — assessed through a professional, consistent process.
Financing is available for development, renovation, expansion, working capital, or refinancing, with terms tailored to your project.
Our team guides you through every step — from submitting your project to preparing your listing — to make the process efficient and predictable.
Digilo issues financing secured by real estate to business owners across Latvia and the EU, operating under a licence from the Bank of Latvia.
What matters more than the licence is who's behind it — a team that has spent years actually lending money against property, not just writing about it.
Track Record
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Real estate market experience dating back to 2008
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Issuing property-secured business loans since 2009
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A licensed consumer mortgage lender since 2016
This isn't a startup guessing at lending — it's over fifteen years of underwriting decisions, collateral valuations, and knowing which projects actually get repaid.
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Renovation, expansion, working capital, refinancing — pretty much any business purpose, as long as you can pledge real estate as collateral.
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Once your documents are in and the project is approved, listing and funding typically happen within days, not weeks. As soon as it is fully funded, funds are released promptly through our regulated payment partner, Lemonway.
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It depends on your project. Our team tells you exactly what is needed and walks you through it, so you are never guessing.
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Your rate depends on the project risk, the value and quality of your collateral, your track record, and current market conditions — the same process for everyone, no negotiating games.
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Yes — every loan is secured by property. The value of what you pledge sets your maximum loan amount, up to 60% of that value.
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No funds change hands if the target is not reached in time. You can adjust the details and try again whenever you are ready.
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No. Submit your project, upload your documents, answer a few questions — our team handles the rest and keeps you posted at every step.
Real Estate-Backed, Not Guesswork
Every loan is secured by real estate collateral, giving your financing a solid, verifiable foundation rather than a projection.
Fast, Transparent Process
Submit your documents, get a professional evaluation, and know exactly where your application stands at every step.
Funds Released via a Regulated Partner
Once your campaign is fully funded, funds are released promptly through our regulated payment partner, Lemonway.
A Team With Lending History Since 2008
Our specialists have worked in European real estate and lending since 2008, and as licensed mortgage lenders since 2016.