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Mintos is an online marketplace for loans that provides retail investors with an easy and transparent way to invest in loans originated by alternative lending companies.
Investors earn solid returns – up to 12% per annum – and gain access to unparalleled diversification opportunities within a single marketplace. With Mintos, diversification is as easy as entering desired parameters into the Auto Invest tool and creating an investment portfolio across different borrowers, loan types, loan originators and geographies in an instant. What is more, there is no service fee and a buyback guarantee is offered. Investments start at EUR 10 and are available in six currencies.
For loan originators, funding loans through the Mintos marketplace allows them to reap the benefits of the peer-to-peer lending model, which is more flexible than the traditional balance sheet approach. Previously, loan originators established their own platforms; now they can use Mintos marketplace and get access to more than 27 000 registered investors from 64 countries at once. So far, 25 loan originators issuing loans in 12 countries have joined the marketplace.
Since launching in 2015, more than EUR 225 million has been funded in loans through the marketplace, generating more than EUR 5 million in interest to investors and making Mintos the largest marketplace of its kind.