Mintos review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mintos fits investors who want business loans in the mix without choosing individual shares, and it runs through SIA Mintos Payments in LV under Latvijas Banka. The minimum investment is €50, and a secondary market means you can sell your share of a loan before it is repaid.
Key facts
- Best for
- Adding business loans to a portfolio from an entry point of €50, with an exit route when you want it.
- Target return
- 9.2% (Source, checked September 26, 2026)
- Minimum investment
- €50 (Source, checked September 26, 2026)
- Secondary market
- Yes (Source, checked September 26, 2026)
- Regulators
- Latvijas Banka, LV LV (Source, checked September 26, 2026)
- Legal entity
- SIA Mintos Payments (Source, checked September 26, 2026)
- Headquarters
- Latvia (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Help-centre, Chat, Community (Source, checked September 26, 2026)
- Official website
- mintos.com
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- A secondary market is available, so you can exit a loan before the borrower finishes repaying.
- Latvijas Banka is named as a regulator, and the platform runs through the clear legal entity SIA Mintos Payments.
- Operating since 2015, which gives the loan book a long history.
- Support covers help centre, chat and community, so answers come in writing, live and from other investors.
Cons
- Support runs on help centre, chat and community only, so a question that needs a phone call has no obvious route.
- A target return of 9.2% is behind the 10% to 14% advertised by Nectaro.
- The €50 entry point sits above the peer-to-peer lower quartile of €10, so a very small first deposit will not do.
Who it suits
- Investors who want business loans alongside shares and funds rather than picking each one themselves.
- People who want a named regulator and a clear legal entity, SIA Mintos Payments, standing behind the platform.
- Investors who can leave money in place, keeping the secondary market as a route out if plans change.
Who should look elsewhere
- Nectaro, if you would rather chase a stated target return of 10% to 14% than Mintos's 9.2%.
- Afluenta, if a headline return of 197.6% is the number that decides it for you.
- Term Finance Limited, whose range of 1.98% to 17.49% includes returns below Mintos's 9.2%.
How it compares on our data
On our data Mintos ranks at position 12 of 23 brands on minimum investment, and at position 8 of 15 on target return. Put plainly, both the amount needed to start and the stated return sit mid-table in the groups we track, so the decision turns on the loan book and the exit route rather than on either number alone.
How Mintos compares
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MarketScreener
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9.1 vs 9.0
9.1 vs 9.0
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Intellectia
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Where Mintos is available
- Available
- Everywhere except United States
- Licence in Latvia
- Latvijas Banka, checked September 26, 2026
- Licence in Latvia
- LV_LV (PSD_EMI LV_FCMC!723), checked September 26, 2026, also valid in Latvia
Frequently asked questions
How much do I need to start investing with Mintos?+
The minimum investment is €50, and that is the entry point for each loan you fund. Across peer-to-peer platforms the figure runs from €0 to €438,481.10, so Mintos sits in the middle of the field rather than at the very cheapest end.
What return does Mintos target?+
Mintos advertises a target return of 9.2%. That is in line with the peer-to-peer median of 9.2% and below the upper quartile of 11.72%. Nectaro publishes 10% to 14% for comparison.
Is Mintos regulated?+
Mintos names Latvijas Banka among its regulators, and its licence entry reads PSD_EMI LV_FCMC!723. The lending side runs through SIA Mintos Payments, which is based in Latvia. Read the register entry yourself to see exactly what the permission covers before you fund loans.
Can I sell my loans before they are repaid?+
Yes, a secondary market is available. Rather than waiting for a borrower to repay in full, you can list your loan notes and sell them to other investors on the platform. That gives you a way to bring money back sooner if your plans change.
How do I get help if something goes wrong?+
Support runs on help centre, chat and community. That means a help centre for written answers, live chat and a community forum where other investors post. Help centres are also the most common route among peer-to-peer platforms, at 81.4%.
When was Mintos founded and where is it based?+
Mintos was founded in 2015 and is headquartered in Latvia. The lending business runs through SIA Mintos Payments, so the company behind the platform is a named legal entity rather than a brand name on its own.
How does Mintos compare with Nectaro and Afluenta?+
Nectaro lists 10% to 14%, Afluenta advertises 197.6% and Term Finance Limited shows 1.98% to 17.49%. Advertised returns are not directly comparable, so read what each platform says about the risk behind its number before you settle on one.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=LV_FCMC!723; EntityType=PSD_EMI; ENT_NAM=SIA Mintos Payments”
- help.mintos.com/hc/en-us/articles/360001769417 checked September 26, 2026
Backs: Founded, Support channels
“Since Mintos was founded in January 2015 to the beginning of March 2020, we experienced normal market conditions.”
- mintos.com/en checked September 26, 2026
Backs: Target return, Secondary market, Minimum investment, Regulators
“APY 9.2% Weighted average of available loans. Your portfolio returns can be higher or lower.”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Buyback guarantee.
Mintos
Adding business loans to a portfolio from an entry point of €50, with an exit route when you want it.