Surviving as a business in tough economic times can be a real struggle. Lack of financial support does not make things any easier and companies have to struggle with the limited resources at their disposal or find alternative sources that can offer support to them. For the longest time, banks have dominated as the go-to lenders for businesses. Still, over recent years, regulations around getting a loan from banks have become more onerous for companies and individuals.

What is Mintos?

Before we divulge into details of what Mintos is and how it operates, it is essential to have some background information on this site. 

Mintos is a peer-to-peer lending site that was established in 2015 January by Martin Sulte. It has its headquarters in Riga, Latvia. The primary goal for starting Mintos was so that investors could be connected to loan originators.

How does Mintos operate?

Just like any other peer-to-peer lending sites, Mintos functions by creating a platform where investors can invest their money into already funded loans and get returns; the loans are already funded before they are listed on Mintos. Mintos has the highest number of loan originators in Europe which gives it an edge over other peer-to-peer lending sites.

It is important to note that most of the loan originators on the Mintos platform issue a buyback guarantee to investors, which is a factor that attracts most investors onto the platform.  

An interesting fact with the Mintos P2P lending site is that as an investor, you can decide to invest your money in different loans at a given time. For example, if you deposit $500 to Mintos, you can have the amount divided between various investments such as business loan, agricultural, scientific or personal loans.

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Types of loans available on Mintos

As an investor, especially one investing with loan originators, it is essential for you to diversify your investments. Mintos makes this possible for you as they have partnered with loan originators not only from different sectors in the economy but also from different countries. All the available loans are listed on the Mintos website, and you get to choose which loans to invest in. To start investing in Mintos, you require a minimum amount of 10 euros and you are good to go.

The following are some of the loans that are available on Mintos:

  1. Personal Loans
  2. Mortgage Loans
  3. Invoice Financing
  4. Agricultural Loans
  5. Car Loans
  6. Business Loans
  7. Short-term Loans

Features of the Mintos lending site

  • Fees

There is no fee required to invest in Mintos.

  • Buyback guarantee

This is a feature that’s found with most of the loan originators on Mintos. This is simply a protection mechanism that’s issued to investors by the loan originators promising to buy back the loan rights if the borrower defaults the payments. It is important to note that the Mintos buyback guarantee does not make investing risk-free; you can lose your investment if the loan originator goes out of business.

How can one invest in Mintos?

There are three modes through which an investor can invest in Mintos. They include; invest and access, manual investing and auto-invest.

  • Auto invest

The auto invest system is where your money is automatically invested in loans every time it matures. You have to set up a strategy that determines which loans to invest in and whether or not there is a buyback guarantee on the loans.

If you choose to invest using the autosave investment mode, the minimum amount required will be 10 euros for the primary market and 1 euro on the secondary market. Auto invest has no fixed rate of return on investment; the returns you get depend on your strategy.

You can only access your money once the loan matures or if you sell the rights in a secondary market. It is advisable to work with an experienced person when developing a strategy for your auto-save since a slight error can lead to the loss of your entire investment.

  • Invest and access

This is the simplest way of investing. You need a minimum of 10 euros to start, and the average returns currently stand at 8.65% per annum and your investment is fully diversified on the available loans on the Mintos marketplace. All loans here have a buyback guarantee, and you can access your money anytime you wish to.

  • Manual investing

Manual investing is almost similar to auto-invest the only difference is that every new investment has to be done by you and not automatically. The average returns on your investment will depend on the loans that you will have selected, and access to your funds is only possible through selling the investment on a secondary market or upon maturity of the loan.

Pros & Cons

  • There are no fees charged on the site
  • Most of the loan originators provide buyback guarantees which offer protection to investments
  • There is a wide variety of loans that you can choose from which promotes diversification
  • Loan originator risk- you can lose your money if the originator goes bankrupt. You can protect yourself from such a risk by studying the profitability of a given originator before investing with them.
  • Foreign exchange risks- Mintos allows investors to invest with different currencies. Though a good thing, you can lose money when trading if the rates at which they buy your currency will drop significantly in the future.

Mintos support these countries

  • Antigua and Barbuda
  • Anguilla
  • Armenia
  • Angola
  • Argentina
  • American Samoa
  • Austria
  • Australia
  • Aruba
  • Aland Islands
  • Azerbaijan
  • Bosnia and
  • Herzegovina
  • Barbados
  • Bangladesh
  • Belgium
  • Burkina Faso
  • Bulgaria
  • Bahrain
  • Burundi
  • Benin
  • Saint Barthelemy
  • Bermuda
  • Brunei
  • Darussalam
    Bolivia, Plurinational State of
    Bonaire, Sint Eustatius and Saba
  • Brazil
  • Bahamas
  • Bhutan
  • Bouvet Island
  • Botswana
  • Belarus
  • Belize
  • Canada
  • Cocos (Keeling) Islands
  • Congo, The Democratic Republic of the
    Central African
  • Republic
  • Switzerland
  • Cote d'Ivoire
  • Cook Islands
  • Chile
  • Cameroon
  • China
  • Costa Rica
  • Cape Verde
  • Curacao
  • Christmas Island
  • Cyprus
  • Czech Republic
  • Wallis and Futuna
  • Samoa
  • Kosovo
  • Yemen
  • Mayotte
  • South Africa
  • Zambia
  • Zimbabwe
  • Nauru
  • Germany
  • Djibouti
  • Denmark
  • Dominica
  • Dominican Republic
  • Algeria
  • Ecuador
  • Estonia
  • Egypt
  • Western Sahara
  • Eritrea
  • Spain
  • Ethiopia
  • Finland
  • Fiji
  • Falkland Islands
  • (Malvinas)
    Micronesia, Federated States of
  • Faroe Islands
  • France
  • Gabon
  • Grenada
  • Georgia
  • French Guiana
  • Guernsey
  • Ghana
  • Gibraltar
  • Greenland
  • Gambia
  • Guinea
  • Guadeloupe Equatorial
  • Guinea
  • Greece
  • South Georgia and The South Sandwich Islands
  • Guatemala
  • Guam
  • Guinea-Bissau
  • Guyana
  • Hong Kong
    Heard Island and McDonald
  • Islands
  • Honduras
  • Croatia
  • Haiti
  • Hungary
  • Ireland
  • Israel
  • Isle of Man
  • British Indian Ocean Territory
  • Iraq
  • Iran, Islamic Republic
  • Iceland
  • Italy
  • Holy See (Vatican City State)
  • Saint Vincent and The Grenadines
  • Venezuela
  • Bolivarian Republic of
    Virgin Islands, British
  • Virgin Islands, U.S.
  • Vanuatu
  • New Zealand
  • Oman
  • Jersey
  • Jamaica
  • Jordan
  • Japan
  • Kenya
  • Kyrgyzstan
  • Cambodia
  • Kiribati
  • Comoros
  • Saint Kitts and Nevis
  • Korea,
  • Democratic People's Republic of
  • Kuwait
  • Cayman Islands
  • Kazakhstan
  • Lao People's Democratic Republic
  • Lebanon
  • Saint Lucia
  • Liechtenstein
  • Sri Lanka
  • Liberia
  • Lesotho
  • Lithuania
  • Luxembourg
  • Latvia
  • Libyan Arab
  • Jamahiriya
  • Monaco
  • Moldova,
  • Republic of
  • Saint Martin (French Part)
  • Madagascar
  • Marshall Islands
  • North Macedonia
  • Mali
  • Myanmar
  • Mongolia
  • Macao
  • Northern Mariana Islands
  • Martinique
  • Mauritania
  • Montserrat
  • Malta
  • Mauritius
  • Maldives
  • Malawi
  • Mexico
  • Malaysia
  • Mozambique
  • Namibia
  • New Caledonia
  • Niger
  • Norfolk Island
  • Nigeria
  • Nicaragua
  • Netherlands
  • Norway
  • Nepal
  • Panama
  • Peru
  • French Polynesia
  • Papua New Guinea
  • Poland
  • Saint Pierre and Miquelon
  • Pitcairn
  • Puerto Rico
  • Palestinian Territory, Occupied
  • Portugal
  • Palau
  • Paraguay
  • Qatar
  • Reunion
  • Romania
  • Serbia
  • Russian Federation
  • Rwanda
  • Saudi Arabia
  • Solomon Islands
  • Seychelles
  • Sudan
  • Sweden
  • Singapore
  • Saint Helena, Ascension and Tristan Da Cunha
  • Slovenia
  • Svalbard and Jan Mayen
  • Slovakia
  • Sierra Leone
  • San Marino
  • Senegal
  • Somalia
  • Suriname
  • South Sudan
  • Sao Tome and Principe
  • El Salvador
  • Sint Maarten (Dutch Part)
  • Syrian Arab Republic
  • Swaziland
  • Turks and Caicos Islands
  • Chad
  • French Southern Territories
  • Togo
  • Thailand
  • Tajikistan
  • Tokelau
  • Timor-Leste
  • Turkmenistan
  • Tunisia
  • Tonga
  • Turkey
  • Trinidad and Tobago
  • Tuvalu
  • Taiwan, Province of China
  • Tanzania
  • Ukraine
  • Uganda
  • United States
  • Minor Outlying Islands United States
  • Uruguay
  • Uzbekistan

Customer support

Mintos has one of the best customer support systems that serve its large clientele base. You can easily contact once you have an account created with them. The site also offers personalized contact help once you invest a certain amount of money with them (this is not advertised on the Mintos platform, it is according to an investor on the platform).


Mintos is a great peer-to-peer lending site and should not miss on any P2P lending portfolio. With the auto-invest, it is now even easier for you to invest and earn returns. You can sign up for Mintos today through our sign-up link and start living your dream.

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