Riga, Latvia

Overall Rank: 232
Category: Investing
Category Rank: 27


Mintos, a global platform for investing in loans, is a go-to investment platform where retail investors can invest in a diversified way in income-producing assets to build wealth in the long term. By rethinking how money flows across borders from those who want to save and invest to those who want to borrow, they are revolutionizing financial services and contributing to financial inclusion on a global scale.

Today a market leader with 43.5% share in continental Europe, Mintos was founded in 2015 by Martins Sulte, Martins Valters and four founding angel investors – Maris Keiss (co-founder of 4finance and Mogo), Aigars Kesenfelds (co-founder of 4finance and Mogo, angel investor in Artsy and Madara Cosmetics), Kristaps Ozols (co-founder of 4finance and Mogo), and Alberts Pole (co-founder of 4finance and Mogo). The company has raised a total of € 4.5 million to date from above-mentioned angel investors. In 2020, 6147 crowdfunding investors invested more than €6.55 million in Mintos, the largest crowdfunding amount ever raised on Crowdcube in continental Europe.


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Key Products

Loans on Mintos

Mintos is unique in the way that they do not issue loans – the loans are brought to the platform by their partner lending companies from around the world. Lending companies provide alternative financing to individuals and small businesses. They check that the companies they work with have a strong track record in loan origination, professional risk management, and a solid financial standing. To help fund the loans they issue, lending companies cooperate with Mintos to offer loan-backed investments to retail investors.

Choose investments

On Mintos, investing starts from €50, or the equivalent in the other currencies they support. That means everyone can be an investor. And it’s really easy to create a diversified portfolio to protect investments and earn more stable returns.

Key Executives

Martins Sulte, CEO & Co-Founder

Sulte Co-Founded Mintos in 2014, and currently serves as the Chief Executive Officer. Prior to this Sulte worked as an Associate at SEB Investment Banking, as well as a Consultant at Ernst & Young. Sulte also served as a member of the Supervisory Board for the Alternative Financial Services Association of Latvia for 4 years.

Martins Valters, COO & Co-Founder

Valters co-founded Mintos in 2015, serving as the CFO for 7 years, before moving exclusively to the role of COO. Prior to Mintos Valters worked as a Senior Manager at Ernst & Young for 11 years.

Inese Lazdovska, Head of Legal and Chief Compliance Officer

Lazdovska is an attorney-at-Law and seasoned General Counsel in banking and finance. He is now spending days in Fintech with a global reach. Lazdovska has a solid track record in financial regulation, licensing, structuring financial transactions, leading in-house legal and compliance functions. He is an experienced adviser and coordinator of a portfolio of cross-border recovery and litigation.

Corporate Responsibility


Mintos are running the leading platform for investing in loans, and they do it with a high sense of responsibility toward their investors and clients, their society, and their environment. They’re committed to developing the best practices and industry standards when it comes to how they do their work. Mintos is an equal opportunity employer and an environmentally friendly community, running its operations by following the responsibilities stipulated in the Mintos Environmental Policy.

Investments in loans available on Mintos at this stage are not regarded as a “sustainable investment” within the definition of Regulation (EU) 2019/2088 on sustainability‐related disclosures in the financial services sector. In terms of sustainability factors, Mintos does not consider any negative, material, or likely to be material impacts on its investment decisions and investment advice. The company has not identified any significant effects of those investments on sustainability risks, nor has it identified any significant effects of sustainability risks on the investments available on Mintos. Moreover, there is currently no established market practice, technical standard, or data to determine whether investment decisions in the type of financial instruments offered on Mintos can result in adverse impact on sustainability factors.

Nonetheless, Mintos considers its existing Environmental, Social, and Governance (ESG) integration policy to be appropriate and adequate in respect to the services and investment products offered. Mintos aims to implement environmental, social, and employee matters, respect for human rights, anti‐corruption and anti‐bribery matters within its remuneration policy practices and other internal company documents. Mintos’ remuneration policy is in line with the Conflicts of Interest policy that addresses how Mintos prevents the risk of an individual’s motivation impacting investment advice or investment decisions.

Customer Insights

“Aasa has enjoyed the flexibility of being able to place the volume and maturities of loans on the Mintos platform as we choose. Having access to the large investor base has been very beneficial to our business. The funding of our loans has enabled our company to effectively manage smooth production and Mintos has also increased our visibility to investors. Consequently, we have been approached by top funds and banks due to our loan asset quality and reputation for responsible lending. Mintos has been a valuable part of our journey which has made Aasa into one of the industry leaders in our markets.” – Ovais Siddiqui, CEO of Aasa Polska


“Mintos has been our strategic funding partner since 2018. Over the years we have achieved many investment milestones with them and their team has been professional and responsive during all times of our cooperation. Transparency and thorough due diligence have been historically key to their relationship with investors and this allowed them to achieve such a large market share in the European p2p space in a matter of years. We believe that Mintos has proved itself as a reliable and solid partner especially during the volatile 2020 and we look forward to continuing our successful partnership and growing together in the coming years.” -Nikita Lomakin, Kviku CEO


“Mintos gives our business the ability to fund loans from different geographies, and in different currencies, in a single marketplace. This means we can fund loans in the same currency they have been issued in, therefore eliminating the currency risk. This unique opportunity has been very beneficial to ID Finance and the cooperation with the team at Mintos has been excellent. They are always willing to work together to achieve higher loan volumes and lower pricing.” – Boris Batine, CEO of ID Finance