Investing

Investing with Mintos

We make investing in loans easy, whether you’re a beginner or an experienced investor. Start with the first €50, or build portfolios of any size. Automate your investments, or take as much control as you want.

As simple as it gets

Mintos strategies

Investing should be easy. Our predefined Mintos strategies work for portfolios of all sizes, and can get you started in no time.

Diversified

The greatest diversification

Conservative

The best portfolio quality

High-yield

The highest interest rates

Choose a strategy that matches your investing goals: Diversified, Conservative, or High-yield
Get started in seconds, save time spent on investing
Earn attractive returns, cash out anytime (subject to market demand) 1
Diversify your investments to manage risk

Build your own strategy

Custom strategies

Create your own customized portfolio. Actively select and manage your investments.

Automated strategies

Create your own automated strategy

Manual investments

Fully manage your investments

Invest in any loan on the platform
Create your own diversification with a wide range of criteria, such as lending company, interest rate, maturity, country, and more
Automate your investments to save time if you want

Balancing risk and return

We ensure investors earn adequate returns when using Mintos strategies by setting a minimum interest rate, also known as a rate floor.

We set a dynamic rate floor for each lending company using a price-discovery mechanism. This means we look at the investing activity for a particular lending company (via manual investments and custom automated strategies) and identify where investment volumes are low. For example, if investment volumes below 10% interest are low, we set the rate floor above 10%. If a lending company is new to Mintos, we set the rate floor based on comparable offerings on Mintos.

Rate floors are constantly updated to reflect market conditions, and in case of unexpected market events, we may update them immediately.

More about Mintos strategies
Lending companies
Only investments above the rate floor of a lending company are eligible for Mintos strategies
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Create Mintos strategies and track your portfolio on the go with our mobile app. Anytime, anywhere.

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Strategy

Diversified

The best diversification with access to all Notes on the platform

12.38%

average interest rate 1

Select

Conservative

Notes for the lending companies with the best portfolio quality

13.06%

average interest rate 1

Select

High-yield

Prioritizes the Notes with the highest interest rates

15.36%

average interest rate 1

Select

Custom

For investors who want to create their own strategy or pick individual Notes

6% - 21%

interest rate currently available 1

Select
About strategy

The best diversification with access to all Notes on the platform

Notes for the lending companies with the best portfolio quality

Prioritizes the Notes with the highest interest rates

For investors who want to create their own strategy or pick individual Notes

Investment selection

Notes backed by loans with a buyback obligation

Fully diversified across all Notes on the platform

Notes for all lending companies

Max 15% in Notes for one lending company

Notes backed by loans with a buyback obligation

Includes Notes for lending companies with a portfolio that is at least 80% current and has less than 3% pending payments

Max 15% in Notes for one lending company

Notes backed by loans with a buyback obligation

Top 60% interest rate Notes on the platform

Max 15% in Notes for one lending company

Investor’s choice

29 767 Set of Notes available on the Primary Market

A numerical measure that portrays the risk level of a particular investment opportunity. It’s an aggregate of four subscores that are summarized and expressed through a numerical point-based risk evaluation model. Mintos Risk Score

10 to 4

10 to 7

10 to 4

10 to 2 available

Access to your money

Instant 2

Instant 2

Instant 2

Maturity or selling loans

Investment currency 3

EUR

EUR

EUR

10+ currencies

Information on Mintos portfolio management services
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