Mintos is a global online marketplace for loans. It provides retail investors with an easy and transparent way to invest in loans originated by a variety of alternative lending companies around the world.

MINTOS REVIEW

Mintos is set apart from the traditional peer-to-peer lending platforms as it does not issue loans but instead, acts as a marketplace where investors and loan originators can meet and achieve success together.

Currently, there are 27 loan originators on Mintos issuing loans in 14 different countries on three different continents – Europe, Asia and Africa. As a result, Mintos offers unparalleled diversity for investors which can be seen in the number of loan originators, loan types, loan terms, and investment geographies available on the marketplace.

Starting today, Mintos offer a 1% referral bonus from every new investor’s investments, that opens an investment account and invests in Mintos loans within the first 90 days from your registration.

Meaning you will get 1% extra from your investments starting now!

All you need to do is use this link and you will get 1% investment BONUS

Mintos offers eight different types of loans for investment: agricultural, business, car, invoice financing, mortgage, pawnbroking, personal and short-term. The minimum investment is EUR 10 or the equivalent in another currency. It is possible to invest in loans in 6 different currencies: euro (EUR), Polish złoty (PLN), Georgian lari (GEL), Czech koruna (CZK), Danish Krone (DKK) and Romanian leu (RON).

There are two markets on Mintos. The primary market is where the loan originators place their loans for investment. Investors can then choose the loans they would like to invest in. The secondary market is where investors can place their investments for sale to other registered Mintos investors.

Not only does Mintos offer a wide range of benefits for investors, the marketplace is also a cost-saving alternative for loan originators. Before Mintos, if a loan originator wanted to reap the benefits of the peer-to-peer lending model, they would establish their own platform which could be a costly endeavour. Mintos provides these companies access to hundreds of thousands of investors instantly, saving them time and resources.

There are currently more than 35 000 investors from 64 different countries on Mintos, with 2 000 new investors joining each month.

Investors wanting to take advantage of the benefits Mintos offers can follow these four easy steps:
1. Register
2. Transfer funds to investor account
3. Build investment portfolio
4. Receive monthly payments

INVESTOR OFFERING

Mintos offers investors great returns, incredible diversification and investor protection.
Investing in loans on Mintos means solid returns. Interest rates range from 6% to 17%. On average, the net return for investors on Mintos is around 12%. Depending on which loan type and loan originator you choose, the repayment date, expected annual return and specifics vary.
Another great characteristic of Mintos is the diversification the marketplace offers in terms of loan types, loan originators, and investment geographies. Because of the smart setup on the marketplace, it’s like investing in 30 different peer-to-peer lending platforms at the same time.
It’s also good to know Mintos takes investor protection seriously, by selecting the loan originators through a careful risk assessment. Once a loan originator is added, Mintos continues to monitor them through assessing the quality and performance of the loan portfolios they put on the marketplace.
On top of this, all loan originators that are added on Mintos are required to keep a certain percentage of each loan on their balance sheet. This is referred to as “skin in the game”. As both sides have a stake in the loan, it ensures that the interests of the loan originators are closely aligned with the interests of the investors

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RATES & FEES

Investing through Mintos is free of charge. There is no fee for registering your investor account and no service fee for investing.

AUTO INVEST

Thanks to the Auto Invest tool on Mintos, investing in hundreds, or even thousands of loans has never been easier. Auto Invest is the most popular feature of the marketplace — more than 75% of investors on Mintos actively use it. This tool automatically implements the chosen investment strategy. After you have entered your investment criteria, Auto Invest will automatically invest in suitable loans. The tool will also reinvest automatically once a loan is finished, therefore reducing cash drag.

As a result, Auto Invest is very efficient at saving time spent on investing activities. Also, it makes it much easier for investors to have a diverse portfolio, as it allows them to invest in small fractions of many loans effortlessly. You can access Auto Invest at any time and follow your portfolio activity to make sure it is working according to your investment goals. You can pause or cancel Auto Invest at any time.

STATISTICS

Mintos is very open with their statistics. The company aims to be as transparent as possible. More than EUR 330 million has been invested on Mintos since January 2015 and every day EUR 1 million more is funded in loans. They offer different statistics and financial reports on their website.

CONCLUSION

The Mintos marketplace offers investors great returns and diversity that can’t be found anywhere else. Mintos aims to be a truly established global marketplace for loans that facilitates the free movement of capital. The company is well on its way to achieving this goal, as currently, they are a clear market leader in continental Europe with 40% of the market share.

Starting today, Mintos offer a 1% referral bonus from every new investor’s investments, that opens an investment account and invests in Mintos loans within the first 90 days from your registration.

Meaning you will get 1% extra from your investments starting now!

All you need to do is use this link and you will get 1% investment BONUS