Private debt platform ROIX has built a EUR 10 million syndicated loan portfolio within its first eight months of operation. The platform financed 5 projects across the technology, photonics, education, and real estate sectors – including acquisitions, shareholder buyouts, and business expansion. These are transactions that have not previously been available in Lithuania’s standard crowdfunding market.

“During the first quarter, we raised EUR 7.3 million. The share of syndicated financing is growing more than twofold each quarter – it is becoming an increasingly significant part of the overall funding structure and is exceeding initial expectations,” notes ROIX founder Benas Poderis.

Q1: EUR 7.3 million and fastest growth momentum

In the first quarter of 2026, 3 projects were financed on the platform, structured into 6 stages. A total of EUR 7.3 million was raised, of which EUR 4.4 million came without syndicated deals. The average project size exceeded EUR 1 million, including syndication.

The largest investment by an individual during the quarter reached EUR 500,000, while the largest corporate investment was EUR 400,000. Retail investors invested an average of EUR 4,574. In total, 381 investments were made during the quarter. There are no overdue loans on the platform.

Nearly 900 investors and 5 deals

Within eight months, nearly 900 investors registered on the platform – 826 individuals and 73 companies. A total of 5 projects were financed, including the acquisition of a controlling stake in photonics sector leader “EKSMA Optics”, the consolidation deal of IT company “Reiz Tech” and software developer “CreditOnline”, the real estate-backed “Reefo” project, and the expansion financing of adult education group PMC Training.

“The PMC Training project stood out for the exceptionally fast funding raised in its first stage. Investor interest reflects a growing understanding of more complex transactions and increasing attention to the education and reskilling sector, which offers strong long-term growth potential,” says B. Poderis.

Syndication: platform, institutions, and retail investors together

ROIX operates under a syndication and co-investment model, where each deal involves the platform itself, institutional investors, and retail investors. The platform co-invests its own capital alongside partners. Retail investors gain access to deals that were traditionally available only to large market players or private funds with six-figure entry thresholds.

Projects other platforms cannot offer

Lithuania’s crowdfunding market exceeded EUR 400 million in 2024, but its product structure remains largely unchanged – dominated by real estate-backed loans with annual returns of 10–12%. ROIX focuses on financing technology and industrial businesses, mezzanine and junior debt structures, and M&A transactions. Investors are offered annual returns of 7–10.5%, depending on the project and investment size.

“Our differentiation lies in the team’s experience with institutional-grade transactions across debt, mezzanine, and equity solutions. This allows us to bring to market projects that other platforms typically do not offer. While banks also assess such projects under credit risk criteria, we can provide more flexible and competitive financing structures,” explains B. Poderis.

Founders and track record

The platform’s founders are partners at “Nter Asset Management”: Benas Poderis, who built Lithuania’s largest private debt fund with over 100 alternative financing deals, and Mantas Skipitis, who has 27 years of experience in investment management. Since its inception in 2019, the fund’s unit value has increased by more than 100%, effectively doubling.

ROIX’s project evaluation process includes collateral analysis alongside assessment of the business model, cash flows, management experience, and sector dynamics. This methodology aligns with institutional investor standards.

Targets: Poland and a EUR 20 million pipeline

Currently, the platform is developing a pipeline of projects worth approximately EUR 20 million, including real estate projects in Poland and technology companies in the Baltic States. The first project in Poland is expected soon.

Over the next 12–24 months, ROIX aims to finance projects across other Central and Eastern European countries, attract investors from at least 3–5 countries (Germany, Poland, Scandinavia), and establish at least 3 new institutional partnerships. The platform also aims to at least double its investor base annually. Its portfolio target is EUR 50–100 million in active loans.

“We are planning expansion into other Central and Eastern European countries. In the future, we are also considering offering not only debt but equity-type products, where investors participate in profit distribution. Such solutions are currently not available in Lithuania’s crowdfunding market,” says B. Poderis.

ROIX is licensed by the Bank of Lithuania to operate across the EU and is the first crowdfunding platform in Lithuania established by institutional debt investors. Members of the ROIX team also invest in every project on the platform.