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

“In the first quarter, we raised €7.3 million. The syndicated financing portion is growing more than twofold each quarter – this growth is becoming an increasingly significant part of the overall financing structure and exceeds initial expectations,” notes ROIX founder Benas Poderis.

Q1: €7.3 million and the fastest growth rate

In Q1 2026, 3 projects were financed on the platform, divided into 6 stages. A total of €7.3 million was raised, of which €4.4 million was without syndicated deals. The average project size exceeded €1 million, including syndication.

The largest investment by an individual during the quarter reached €500,000, and by a legal entity – €400,000. Retail investors invested an average of €4,574. A total of 381 investments were made during the quarter. There are no overdue loans on the platform.

Nearly 900 investors and 5 deals

Over eight months, nearly 900 investors registered on the platform – 826 private individuals and 73 companies. Five 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 mortgage-backed “Reefo” project, and financing the expansion of adult education group PMC Training.

“The PMC Training project stood out for its extremely rapid fundraising in the first stage. Investor interest demonstrates growing understanding of more complex transactions and increasing attention to the education and reskilling sector, which has long-term growth potential,” says B. Poderis.

Syndication: platform, institutions, and retail investors together

ROIX operates on a syndication and co-investment model – each deal involves the platform itself, institutional investors, and retail investors. The platform co-invests its own capital alongside partners. Retail investors gain access through the platform to deals that have traditionally been available only to major market participants or private funds with six-figure entry thresholds.

Projects that other platforms cannot offer

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

“Our distinction is the team’s experience working with institutional-quality deals involving debt, mezzanine, and equity solutions. This allows us to bring to market projects that other platforms typically do not offer. While banks also evaluate such projects by credit risk criteria, we can offer more flexible and competitive financing structures,” explains B. Poderis.

The platform’s founders are “Nter Asset Management” partners: Benas Poderis, who created Lithuania’s largest private debt fund with experience in over 100 alternative financing transactions, and Mantas Skipitis, who has 27 years of experience in investment management. Since operations began in 2019, the fund’s unit value has grown by more than 100%, i.e., doubled.

ROIX’s project evaluation process includes collateral analysis along with assessment of the business model, cash flows, management experience, and sector dynamics. This methodology is close to the standards applied by institutional investors.

Goals: Poland, €20 million portfolio in development

The platform is currently developing a project portfolio worth approximately €20 million, covering both real estate projects in Poland and technology companies in the Baltic states. The first project in Poland is planned for the near future.

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

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

ROIX holds a Bank of Lithuania license to operate in EU countries and is the first crowdfunding platform in Lithuania created by institutional debt investors. ROIX team members also invest in each platform project.