Investing

Mintos strategies

Invest confidently with predefined strategies developed to match different investing goals. The easiest way to invest on Mintos.
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3 strategies for all risk tolerances

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

Get started in seconds, save time spent on investing
Earn attractive returns, cash out anytime (subject to market demand)
Diversify your investments to manage risk
Discover how Mintos works

The greatest diversification

Diversified

Spread your risk across a wide selection of investments to limit your exposure. Get the best diversification available on Mintos.

7.71%
average interest rate 1
10
-
2
Mintos Risk Score
Invest across current opportunities from all lending companies
The algorithm prioritizes diversification
15% max exposure per lending company
Opportunities with and without a A buyback obligation provides an additional layer of protection for specific investments. It means that if any repayment by the borrower is delayed by more than 60 days, the lending company is obliged to buy back the loan together with any interest. buyback obligation

The best portfolio quality

Conservative

Build a more resilient portfolio. Invest in opportunities from lending companies with the best portfolio quality.

7.81%
average interest rate 1
10
-
7
Mintos Risk Score
The portfolio of the companies is at least 80% current, and it has less than 3% pending payments.
The algorithm prioritizes risk reduction
15% max exposure per lending company
Opportunities with a A buyback obligation provides an additional layer of protection for specific investments. It means that if any repayment by the borrower is delayed by more than 60 days, the lending company is obliged to buy back the loan together with any interest. buyback obligation

The highest interest rates

High-yield

Maximize your potential returns. Invest in the highest interest rate opportunities on Mintos.

8.20%
average interest rate 1
10
-
2
Mintos Risk Score
Invest in opportunities with top 60% interest rates on the platform
The algorithm prioritizes opportunities with the highest returns
15% max exposure per lending company
Opportunities with a A buyback obligation provides an additional layer of protection for specific investments. It means that if any repayment by the borrower is delayed by more than 60 days, the lending company is obliged to buy back the loan together with any interest. buyback obligation

Your money, when you need it

Need your money sooner? Cash out to get your investment back any time under normal market conditions – even if the investments haven’t reached maturity. 2
More about cashing out

Compare ways of investing with Mintos

Strategy

Diversified

The best diversification with access to all opportunities on the platform

7.71%

average interest rate 1

Select

Conservative

Opportunities from the lending companies with the highest Mintos Risk Score and the best portfolio quality

7.81%

average interest rate 1

Select

High-yield

Prioritizes the highest interest rate opportunities from lending companies with the top rates

8.20%

average interest rate 1

Select

Custom

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

6% - 20%

interest rate currently available

Select
About strategy

The best diversification with access to all opportunities on the platform

Opportunities from the lending companies with the highest Mintos Risk Score and the best portfolio quality

Prioritizes the highest interest rate opportunities from lending companies with the top rates

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

Loan selection

Fully diversified across all investments on the platform

Investments from all lending companies

Max 15% in investments related to one lending company

Opportunities with a buyback obligation

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

Max 15% in investments related to one lending company

Opportunities with a buyback obligation

Top 60% interest rate opportunities on the platform

Max 15% in investments related to one lending company

Investor’s choice

176 086 opportunities available on the Primary Market

165 756 opportunities available on the Secondary 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 2

10 to 7

10 to 2

10 to 2 available

Access to your money

Instant 2

Instant 2

Instant 2

Maturity or selling loans

Currency

EUR

EUR

EUR

10+ currencies

Compare ways of investing

Ready when you are

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