About Us

Mintos is a peer-to-peer lending marketplace that connects investors with borrowers of non-bank lenders. It is an easy and transparent alternative to the traditional banking system.

At Mintos, both retail and institutional investors can invest in fractions of loans originated across Europe. Currently, we offer the opportunity to invest in mortgage loans, personal unsecured loans,car loans, invoices, and small business loans. The minimum investment in one loan is EUR 10.

By connecting to the Mintos platform, loan originators get instant access to investors that are looking to purchase loans.

Our Values

  • Teamwork
    • We believe that teamwork is the key to success.
    • We rely on each other.


  • Respect
    • We respect our clients and one another.
    • We respect differences in opinion.
  • Growth
    • We do not rest on what we have achieved.
    • We invest in development to ensure our clients and partners receive the best service.
  • Challenge
    • We face all challenges as a united, professional team.
  • Joy
    • Each day is filled with positive experiences.


  • Office Manager
    Agnese Jekabsone
    • Agnese previously worked at 4Finance AS and Working Day Latvia
    • She loves to travel and experience different cultures
  • Front-End Developer
    Andrejs Abrickis
    • He has worked as a Front-End and Full-Stack developer for the last eight years.
    • Andrejs holds a professional Bachelor's Degree in Electronic Business from University of Latvia
    • In his free time, he plays tennis, travels and reads books
  • Software Developer
    Artis Kokorevics
    • Artis’s previous experience comes from the interactive gaming company, Optibet
    • He graduated from Riga Technical University, majoring in Information Technologies
    • Playing chess online is his greatest hobby
  • Software Developer
    Edgars Zvirbulis
    • Edgars has 10 years of experience working as a Software Engineer for Tieto
    • He holds a Bachelor of Engineering degree from Vidzeme University of Applied Sciences
    • In his free time, he finds his greatest bliss in music
  • Investor Service Associate
    Elmars Ciganovics
    • Elmars previously worked for a German publishing group He earned his bachelor’s degree in Intercultural Communications and master’s degree in International Culture and Media Management from the Latvian Academy of Culture Elmars’s hobbies are reading science fiction and singing in choir
  • Business Development Analyst
    Ieva Grigalune
    • Ieva previously worked as a Senior Audit Consultant at Ernst & Young
    • She holds a BSc. degree from the Stockholm School of Economics in Riga
    • In her free time, she likes to play volleyball and enjoys baking
  • Head of Loan Originator Partnerships
    Jānis Pranevics
    • Janis has 10 years of experience in the financial services industry from BaltCap and CBL Asset Management
    • He holds an MBA from Riga Business School and BSc. degree from the Stockholm School of Economics in Riga
    • Janis enjoys hiking and kickboxing
  • Investor Service Associate
    Linda Lavrinovica
    • Linda has a previous working experience in a global financial company Mayzus.
    • She studies at Riga technical university.
    • She enjoys photography
  • Head of Product
    Marcis Gogis
    • Marcis previously worked at Lattelecom and Swedbank.
    • He holds an MBA with specialisation in IT from Riga Business School.
    • In spare time he plays tennis
  • Chief Technology Officer
    Martins Eglitis
    • Martins has worked at Datakom and Picture Happy.
    • He is a graduate in information technologies from Ventspils University.
    • Martins is a keen cyclist and bookworm
  • CEO & Co-Founder
    Martins Sulte
    • Martins has more than six years of experience in corporate finance at SEB Enskilda.
    • He holds an MBA from INSEAD (Singapore, France) and BSc. degree from the Stockholm School of Economics in Riga.
    • Martins loves ice hokey and he is a passionate poker player
  • CFO & Co-Founder
    Martins Valters
    • Martins has 11 years of experience as a senior audit manager at Ernst & Young.
    • He holds a BSc. degree from the Stockholm School of Economics in Riga.
    • In his free time Martins plays basketball
  • Data Scientist
    Nauris Ozols
    • Nauris has more than 10 years of experience working with data from his time at Creative Media Services, a media agency
    • He is alumnus of University of Latvia, having majored in Business Administration
    • After hours, Nauris enjoys mountain biking and reading books
  • Financial Analyst
    Peteris Skudra
    • As an intern Peteris has gained his experience in multiple industries including waste management, digital services and banking.
    • He holds a BSc. degree from the Stockholm School of Economics in Riga.
    • Travelling and sports are an essential part of Pēteris' life - a snowboarding trip to the Alps or any other mountain is a yearly must
  • Software Developer
    Roberts Sukonovs
    • Before joining Mintos, Roberts worked as a Web Developer at Efumo
    • Roberts is a graduate of Riga Business College, having majored in Business Administration with a specialty in Marketing and Media.
    • His hobbies include trail running and orienteering
  • Junior Software Developer
    Rudolfs Petersons
    • Started his career at Mintos as an intern.
    • At the moment Rudolfs is attending RTU where he is studying Computer Systems as part of his Bachelor's Degree.
    • Rudolfs is passionate about ice hockey and music
  • Head of Accounting
    Santa Novikova
    • Santa’s accounting experience comes from working at Ernst & Young Baltic and RHS
    • She holds a Master’s degree in Financial Management from the BA School of Business and Finance
    • Santa is a passionate folk dancer
  • Senior Software Developer
    Uldis Nipers
    • Has previously worked at Regionala Investiciju Banka.
    • Uldis holds a Master’s in Computer Science from University of Latvia.
    • He is a long distance runner
  • Investor Service Team Lead
    Vitalijs Zalovs
    • He previously worked at Nordea bank.
    • Vitalijs is a graduate of BA School of Business and Finance.
    • His hobbies include various sport activities
  • Head of Marketing
    Zaiga Lazdina
    • Zaiga previously worked as the head of the digital department for Omnicom Media Group
    • She holds an MBA in brand management and communications from Istituto Europeo di Design (IED) in Milan, Italy
    • In her spare time, Zaiga loves long-distance hiking and traveling

Board of Directors

  • Ramona Miglane
    Chairwoman of the Supervisory Board
    Ramona is a partner at the law firm FORT. She has more than 10 years of experience providing legal advice in banking and finance matters. Ramona holds a LL.M. degree from the University of Latvia and has studied at Riga Graduate School of Law (LL.M.).
  • Martins Krutainis
    Supervisory Board Member
    Martins is a partner at Superia Corporate Finance. He has more than 12 years of experience in mergers and acquisitions (M&A) and capital-raising in Northern Europe. Martins holds a B.Sc. from Stockholm School of Economics in Riga.
  • Janis Abasins
    Supervisory Board Member
    Janis is the director at Latvian Insurers Association. Janis has extensive management experience, having served as chief executive officer of insurance companies IF Latvia and Balta, and IT product wholesaler ELKO Group. He holds a B.Sc. degree from the Stockholm School of Economics in Riga.