Capital Service

Last Updated: 16.04.2020. Date when the basic information was updated
Capital Service
Loans Originated Total volume of loans issued by this company to borrowers since its founding.
€ 303.2 M
Loan portfolio Loans issued by the lending company to borrowers at the time of the most recent financial statement that are current or less than 60 days late.
€ 22 M
Buyback obligation A credit enhancement given by the lending company or other entity to the Issuer for a particular Set of Notes. 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, outstanding or late interest. Usually, this means investors will be able to recover their investment in case of a borrower default.
With a buyback obligation
Skin in the Game To ensure the interests of a lending company and investors are aligned, the company is required to keep a stake of each investment opportunity it offers through Mintos. This is called the company's skin in the game.
Average Interest % The weighted average interest rate of investment opportunities from this lending company.
Loan Types: The type of loan the company has issued to borrowers.
Personal loan Pledge type group unsecured
Countries: Countries in which the loans were issued by the lending company.
Currencies: Currencies in which investment opportunities from the company are offered.
Effective APR charged to borrowers: APR is not always the most representative measure of the cost of borrowing, therefore, Mintos shows effective APR. This is a unified measure among all loan originators on the platform. To calculate the effective APR, the methodology called XIRR (extended internal rate of return) is used, which is further adjusted to exclude compounding effects. Effective APR is calculated based on the cash flows charged to the borrower which includes principal, interest and any fees charged on a single loan basis, whether they are compulsory or not or are charged by a third party.
Outstanding investments: Total volume of outstanding and available investments from this company on Mintos. Updated daily.


CAPITAL SERVICE S.A. provides its lending activity in Poland and offers unsecured payday loans and installment loans for individual customers on the basis of a country-wide network of branches, Call Center, brokers and financial agents (external offices). The business model implemented by the Management Board gives CAPITAL SERVICE S.A. the possibility of stable development through adequate management of its resources. The company has many products, which makes its activity competitive on the market of non-bank loans. The company's value is also provided by internal procedures governing its processes and its own IT system. 

On 6 April 2020, Capital Service was suspended from the Mintos Primary and Secondary Markets due to a failure to make timely settlement payments to investors on Mintos.

Last Updated: 31.08.2018

Last Updated: 03.09.2019

Last Updated: 16.04.2020