Logo of Mintos


Personal Loans
Short-Term Personal Loans
Car Loans
Business Loans
Resale Marketplace Lending
Explore Mintos
Funded Since January 2015
Minimum Investment
Auto Invest
Secondary Market
Ring Fence

What is Mintos?

Mintos runs a resale marketplace lending platform, which means it aggregates pre-funded loans from partner organisations (loan originators) and re-sells them to investors. Mintos is managed by AS Mintos Marketplace, headquatered in Latvia. It's been granted an investment license and a payment license from Latvia's Financial and Capital Market Commission (FCMC).

Mintos makes it possible to provide funding to individuals, real estate developers, and business owners by investing in personal loans, short-term personal loans, car loans, pawnbroking loans, real estate loans, agricultural loans, business loans, and invoices. Mintos only serves lenders, so you can’t apply for a loan directly on the platform.

What does Mintos offer?

At Mintos, you can make EUR-denominated investments starting from €10 (it's also possible to invest in other currencies, see table below). You can also set up an auto-invest feature and buy and sell loans on a secondary market.

Mintos separates investors’ funds from the platform company assets but doesn’t have a wind-down plan in place to ensure minimal damage in case the platform goes out of business. It discloses statistics about its funded loans on a dedicated public page and shares its monthly funding volumes with P2PMarketData.

Who founded Mintos?

Mintos was founded in 2015 by Martins Sulte and Martins Valters. They both have over 15 years of experience. Their professional background is mainly in banking, and finance.

Martins Sulte has been, among other positions, an Associate at SEB — a northern european financial services group, and a Member of the Supervisory Board at Alternative Financial Services Association of Latvia — an association of fintech providers. He holds a MBA degree from INSEAD.

Martins Valters has been, among other positions, a Senior Manager at Ernst & Young — a multinational management consulting corporation. He's graduated from Stockholm School of Economics in Riga.

Mintos Details

Legal Company Name
AS Mintos Marketplace
Business ID
Main Currency
Euro (€)
Headquarters Location
Founded Date
June 2015
Launch Date
January 2015

How is Mintos regulated?

License Name License Key Regulatory Entity Country
Investment Firm 40103903643 Financial and Capital Market Commission (FCMC) Latvia
Payment Service Provider 44103143397 Financial and Capital Market Commission (FCMC) Latvia

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