SME lending has a liquidity problem on both sides of the market. Small businesses in emerging markets struggle to access affordable credit, while European investors struggle to find yield in a low-rate environment. Debitum Network was founded in Riga in 2018 to connect those two realities. Its platform operates as a marketplace for business loans originated by lending companies across Central and Eastern Europe, giving retail and institutional investors access to short-duration SME credit at competitive returns. The blockchain element — Debitum launched with a token-based model — reflected the crypto enthusiasm of 2018 but the underlying business model is straightforward invoice finance and SME lending. Debitum has evolved toward a more conventional marketplace structure as the regulatory environment for crypto-adjacent finance has clarified. In the Baltic fintech ecosystem, which has developed a disproportionate concentration of P2P and marketplace lending platforms relative to its population, Debitum represents the SME-focused end of a spectrum that ranges from consumer payday lending to business invoice finance. The common thread is the same: European capital seeking yield, and creditworthy borrowers underserved by traditional banks.