With over 400,000 registered investors, Mintos is the largest equity loan marketplace in Europe. Whether you are a beginner or an experienced investor, investing through Mintos can be beneficial because of the many advantages it offers.
You gain access to the best opportunities to diversify your portfolio into a variety of loans and your investments are protected by 60-day non-repayment or redemption guarantees.
Discover all the good reasons to choose Mintos for your loans between individuals.
Presentation of the Mintos platform
Founded in 2015, Mintos is a Latvian peer to peer peer-to-peer lending platform specializing in peer-to-peer lending. It acts as an intermediary for the connection between lenders and borrowers in search of financing.
Operational in more than 70 countries around the world, it allows its users to obtain credits or invest in a wide range of loans: business, auto, consumer, personal, real estate, agricultural, etc.
Mintos is one of the leaders in crowdlending on a European scale, alone holding nearly 50% of the market share. It stands out as a benchmark for people seeking to invest in P2P via a sufficiently reliable and secure platform.
What are the advantages of this platform?
Mintos has many strengths that you won’t always find in most crowdlending platforms. The first concerns risk management. In order to best protect investors, most of the loans granted by the platform are subject to a mortgage and very often benefit from a non-repayment guarantee as well as a repurchase guarantee.
In terms of profitability, Mintos is one of the platforms offering the highest rates of return. Investments in loans can earn you income in the range of 6-20%, depending on the risks associated with the loans you choose. You have access to thousands of loan requests of various forms: personal, real estate, consumption, business, etc.
Another advantage that Mintos offers is the ease of use and operation of its platform. The interface is mainly in the English language, but remains relatively easy to learn. It also offers interesting features to simplify the management of your investment portfolio. For example, you can customize your investment strategy or automate everything with the strategies preconfigured by Mintos.
How to invest well in P2P?
Whether you invest through Mintos or any other platform there are precautions you must observe to limit your risk of loss or optimize the profitability of your investments. First and foremost, you need to make sure that the platform is operating legally. You won’t have to worry about this aspect by going with Mintos.
You should also take into account the statistics of borrowers and their credit score in order to choose relatively secure projects. It is not advisable to invest a large capital from the start or to focus only on projects with the highest returns.
You should ultimately avoid placing all your eggs in one basket. The ideal is to diversify your loans by distributing your capital in different projects, but also to invest in several reliable platforms. The objective is to limit the extent of the losses to be suffered in the event of default by the borrower or bankruptcy of the platform.