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Eleving Group

Currency To invest in loans you must have sufficient funds in the corresponding currency in your account. You can add funds to your investor account here. To exchange currency use our Currency Exchange.

CZK
DKK
EUR
GBP
GEL
KZT
MXN
PLN
RON
RUB
SEK
USD

Loan Type

Agricultural loan
Business loan
Car loan
Forward Flow
Invoice financing
Home Equity Loan
Pawnbroking loan
Personal loan
Short-term loan

Country

Lending Company

Mintos Risk Score The Mintos Risk Score is a numerical measure that portrays the risk level of a particular investment opportunity on our platform. It’s expressed on a scale from 10 to 1, representing the lowest and the highest risk, respectively. The score can be withdrawn if one or more of the subscores is not available, and this is expressed with the value “Score Withdrawn” or (SW).

10
9
8
7
6
5
4
3
2
1
SW

Buyback Obligation A credit enhancement given by the lending company or other entity of a lending company group to the investor for a particular investment opportunity. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued interest. Usually, this means investors will be able to recover their investment in case of a borrower default.

Yes
No

Schedule extension During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.

Yes
No

Borrower APR

—

Status Select loans with a specific status issued by this loan originator (current; 1-15 days late; 16-30 days late; 31-60 days late).

Current
Grace Period
1-15 Days Late
16-30 Days Late
31-60 Days Late
60+ Days Late

Pending Payments / In recovery

Yes
No

Investment Structure Select loans according to the investment structure. The direct structure means you are buying a claim against the borrower directly. The indirect structure means that you invest in a loan issued by a Mintos group company to the respective lending company, that mirrors a loan issued by the lending company to the borrower, where repayments are linked to the borrower's payments.

Direct
Indirect

Amortization Method The amortization method determines how the underlying loans are paid off over time

Full
Partial
Interest-only
Bullet

Issue Date

—

Listing Date

—

Amount Available for Investment

—

Initial LTV The initial loan-to-value ratio is used to express the ratio between the value of the loan and the value of the collateral at the time when the loan was issued. Typically, loans with a lower LTV ratio are considered less risky.

—

LTV LTV is calculated using current outstanding loan balance against collateral value as of a moment when the loan was issued.

—

Loan ID Mintos loan ID

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Choose your investments

Selected filters

Eleving Group

Currency To invest in loans you must have sufficient funds in the corresponding currency in your account. You can add funds to your investor account here. To exchange currency use our Currency Exchange.

CZK
DKK
EUR
GBP
GEL
KZT
MXN
PLN
RON
RUB
SEK
USD

Loan Type

Agricultural loan
Business loan
Car loan
Forward Flow
Invoice financing
Home Equity Loan
Pawnbroking loan
Personal loan
Short-term loan

Country

Lending Company

Mintos Risk Score The Mintos Risk Score is a numerical measure that portrays the risk level of a particular investment opportunity on our platform. It’s expressed on a scale from 10 to 1, representing the lowest and the highest risk, respectively. The score can be withdrawn if one or more of the subscores is not available, and this is expressed with the value “Score Withdrawn” or (SW).

10
9
8
7
6
5
4
3
2
1
SW

Buyback Obligation A credit enhancement given by the lending company or other entity of a lending company group to the investor for a particular investment opportunity. If an underlying loan is more than 60 days late, the lending company is obligated to buy back the investment at nominal value plus accrued interest. Usually, this means investors will be able to recover their investment in case of a borrower default.

Yes
No

Schedule extension During the first 30 days after the due date of a loan payment, the borrower can opt for extending the loan payment schedule. The maximum number of extensions depends on the loan agreement and can't be more than 6. If the lending company agrees, the loan will be automatically updated, with the new schedule, and the due dates for all outstanding payments will be extended by up to 31 days. Investors will continue to earn the same interest throughout the remaining loan term.

Yes
No

Borrower APR

—

Status Select loans with a specific status issued by this loan originator (current; 1-15 days late; 16-30 days late; 31-60 days late).

Current
Grace Period
1-15 Days Late
16-30 Days Late
31-60 Days Late
60+ Days Late

Pending Payments / In recovery

Yes
No

Investment Structure Select loans according to the investment structure. The direct structure means you are buying a claim against the borrower directly. The indirect structure means that you invest in a loan issued by a Mintos group company to the respective lending company, that mirrors a loan issued by the lending company to the borrower, where repayments are linked to the borrower's payments.

Direct
Indirect

Amortization Method The amortization method determines how the underlying loans are paid off over time

Full
Partial
Interest-only
Bullet

Issue Date

—

Listing Date

—

Amount Available for Investment

—

Initial LTV The initial loan-to-value ratio is used to express the ratio between the value of the loan and the value of the collateral at the time when the loan was issued. Typically, loans with a lower LTV ratio are considered less risky.

—

LTV LTV is calculated using current outstanding loan balance against collateral value as of a moment when the loan was issued.

—

Loan ID Mintos loan ID

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The minimum and maximum amount this strategy invests per loan. Interest Rate Available loan report

Lower Risk Higher Risk

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%

Available loan report

Remaining term

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© 2022 All rights reserved.

AS Mintos Marketplace (registration no. 40103903643, legal address: Skanstes iela 50, Riga, LV – 1013, Latvia) is an investment firm licensed and supervised by the Financial and Capital Market Commission. License number 06.06.08.719/534.

Mintos is a member of the national investor compensation scheme established according to the requirements of EU Directive 97/9/EC. If Mintos fails to provide investment services, retail investors are entitled to a compensation of 90% of the irrevocable loss resulting from the non-provision, up to a limit of €20 000.

Investing in financial instruments involves risk. There is no guarantee to get back the invested amount.