Mintos Risk Score
As part of our risk assessment, we’re evaluating different aspects of investment opportunities on our platform. To help you make informed decisions about investing in loans, we express our findings with the Mintos Risk Score. The Mintos Risk Score is calculated from 4 subscores that we assign for the company’s loan portfolio performance, the efficiency of loan servicing, buyback strength, and legal setup between the lending company and us.How the Mintos Risk Score works
All scores and subscores have the same range, but with difference in interpretation.

Subscores
Subscores grade four aspects of an investment opportunity on Mintos. The Mintos Risk Score is calculated by weighting points from the subscores: 40% loan portfolio performance, 25% loan servicer efficiency, 25% buyback strength, 10% cooperation structure
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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 (low risk) to 1 (high risk). The calculated numerical value is rounded to the nearest integer.
The score can be withdrawn if one or more of the subscores is not available, and this is expressed with the value “Score Withdrawn” or (SW).
Learn moreStatuses
Statuses describe activity of a lending company on Mintos. A lending company with a “live” assigned Mintos Risk Score is considered “Active”.
Status Suspended (S) means that all investment or selling activities related to the loans issued by a specific lending company are stopped on the Mintos Primary and Secondary Markets until new developments with the underlying issues are achieved.
The company can be classified as Defaulted (D) based on the predefined criteria and this means there is no further activity allowed on the Mintos Primary and Secondary Markets for loans issued by that lending company.
Learn moreMintos Risk Score and subscore scale
All scores and subscores have the same range, but with difference in interpretation.
10
9
8
Low-risk score
Very good performance of all or most of the evaluated aspects of the investment opportunity.
7
6
5
Mid risk score
Good performance for some of the evaluated aspects of the investment opportunity, while some don’t perform as well.
4
3
2
1
High-risk score
Elevated risk in the performance of some or most of the evaluated aspects of the investment opportunity.
Subscores
Score withdrawn (SW)
Score can be withdrawn if:
How often are scores updated?
Mintos Risk Score is updated quarterly, based on the results of monitoring of financials, loan portfolio quality, track records of management, the status of the business environments, etc. Material improvements or deterioration in these factors can result in an immediate upgrade or downgrade of the related subscores and might cause an upgrade or downgrade of the Mintos Risk Score.
What can cause a downgrade?
- The non-performing loan ratio deteriorates
- Regulation changes for the worse
- The company undergoes forced restructuring
- The company defaults on a financial obligation
What can cause an upgrade?
- The company significantly improves its debt collection or risk based scoring, resulting in better loan performance and payoffs
- The company receives a capital injection
- Regulation improves
- The company improves its market position, product offering, and income diversification
Under no circumstances should the Mintos Risk Score be treated and relied upon as a credit rating. It is not prepared in accordance with the methodology and provisions defined by the Regulation (EC) No 1060/2009 on credit rating agencies. The Mintos Risk Score is not investment advice and Mintos cannot be held liable for any losses which may result from basing investment decisions on information and/or analytical materials provided on this website.
Learn more about security on Mintos
The risks you face on Mintos, and what you can do about them
How Mintos handles and protects your data, and puts you in control
How you can help protect your account against unauthorized access
Why proper diversification matters for your returns