Company

Building the financial platform of the Western Balkans.

We finance the things people need and move the money they earn. Cars, equipment and everyday purchases. Cards, accounts and payments.

We do it through four licensed institutions in Kosovo, Albania and North Macedonia. Each is supervised locally. All run on technology we own. The holding company is Virtus Invesco Partners LLC, Prishtina.

Shopper checking her phone in a supermarket aisle
3
markets
4
licensed institutions
3
supervisory authorities
12,400
active clients, Kosovo
EUR14.5M
loan portfolio, Kosovo

Four institutions. One platform.

Each holds its own licence and answers to its own regulator. All run on the same group technology.

Customer checking his phone on a city street
Kosovo

Virtus Lending

Licence Non-bank financial institution. Licensed by the Central Bank of Kosovo.
Products Vehicle and equipment leasing. Express loans decided in a minute. Cash loans up to seven years.
Paying by card at a café counter
Kosovo

Swinto

Licence Electronic money institution. Licensed by the Central Bank of Kosovo.
Products Visa cards. Digital accounts with SEPA transfers. Payment processing for institutions.
Woman walking through an old town street
North Macedonia

One Leasing

Licence Licensed by the Ministry of Finance of North Macedonia.
Products Vehicle and equipment leasing across North Macedonia.

Institutional by design.

The standards our banks and regulators expect, built in from day one.

Working on a laptop with a view of the sea
Board and committees

Independent board. Audit and risk committees at each lending institution.

Audit and reporting

Audited consolidated IFRS accounts. Internal audit reporting to the board.

Compliance

Dedicated AML and CTF function. Regulatory reporting to three supervisors.

Technology

Group lending and payments platform built and owned in-house.

Funding and partners

Backed by regional banks and international lending platforms, alongside shareholder capital.

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Hiker in the mountains of the Western Balkans

Leadership

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[Name]
Chief Executive Officer, Virtus Group
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Chief Financial Officer
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Chief Risk Officer
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Chief Technology Officer