Compare EstateGuru vs Mintos vs PeerBerry p2p platforms

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⭑⭑⭑⭑ ⭒
4.1
based on 4 ratings

EstateGuru offers real estate loans as an investment opportunity. Across Europe, investors can support the construction and maintenance of real estate projects while earning returns around 10%. The average Loan To Value ratio is 59%. EstateGuru is one of the most popular platforms for real estate investments among the p2p community. The platform until 2022 usually considered to be reliable and has proven to deliver returns. 🚩 However, the situation of defaulted loans is getting out of control! As of February, 2nd 2023, the default rate has reached 32.85%. There are more than 92 Mio € in recovery. Worst performing countries: 🇩🇪 Germany: 68,068,401€ (81.61%), 🇫🇮 Finland: 15,353,172€ (33.97%), 🇱🇹 Lithuania: 9,876,152€ (19.88%)

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⭑⭑⭑⭑ ⭒
4.0
based on 5 ratings

Mintos is among the biggest p2p marketplaces worldwide. Founded in 2014, the platform has seen massive growth for all sorts of private loans. Investors can enjoy high interest rate, with comfortable auto-invest and cash-out features. However, mintos has been criticized for not handling pending payments transparently. Also bear in mind that quite some loan originators have been suspended on the marketplace threatening funds to be lost. Still, it is a massive marketplace and mintos should not be discarded entirely in our opinion.

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⭑⭑⭑⭑ ⭒
4.3
based on 5 ratings

PeerBerry is a relatively young platform operating since 2017. Its founding company was the AventusGroup that has been involved in the credit business since 2009. After its foundation, PeerBerry was sold to private investors. The loan portfolio has been diversified since then. You can invest in consumer, business, leasing and real estate loans from 23 loan originators. With that amount of loan originators, PeerBerry seems to set off to compete with other marketplaces like Mintos. The user interface and experience is rather top notch. All together, PeerBerry is one of our favorite p2p lending platforms to invest into. Positively must be emphasized their outstanding corporate communication being constantly in contact with the investor community. Nevertheless, it has been occasionally criticized that the so called group guarantee is a shallow term as legally there would not be such entity as the "Aventus Group".

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Key Facts

Investment Structures

EstateGuru Direct (peer-to-peer)
Mintos Marketplace (peer-to-business)
PeerBerry Marketplace (peer-to-business)

Originator Types

EstateGuru Peers
Mintos Loan Originators
PeerBerry Loan Originators

Investing Into

EstateGuru Real Estate
Mintos Consumer Loans
PeerBerry Business Loans, Consumer Loans, Leasing, Real Estate

HQ Country

EstateGuru country image Estonia
Mintos country image Latvia
PeerBerry country image Croatia

Investments

Interest Rates

EstateGuru 8.00% – 13.00%
Mintos 6.00% – 22.00%
PeerBerry 9.00% – 11.00%

Number of Originators

EstateGuru 0
Mintos 70
PeerBerry 23

Number of Countries

EstateGuru 7
Mintos 33
PeerBerry 8

Currencies

EstateGuru EUR
Mintos CZK, DKK, EUR, GBP, KZT, MXN, PLN, RUB, SEK, USD
PeerBerry EUR

Minimum Investment

EstateGuru 50 EUR
Mintos 10 EUR
PeerBerry 10 EUR

Statistics

Average Net Return

EstateGuru 10.58%
Mintos 10.53%
PeerBerry 11.11%

Total Loans Funded

EstateGuru 840m EUR
Mintos 10b EUR
PeerBerry 2b EUR

Loans Outstanding

EstateGuru 242m EUR
Mintos 499m EUR
PeerBerry 106m EUR

Loans Current

EstateGuru 89m EUR
Mintos 402m EUR
PeerBerry 88m EUR

Loans Late

EstateGuru 7m EUR
Mintos 77m EUR
PeerBerry 18m EUR

Loans 1 To 15 Days Late

EstateGuru n/a
Mintos 32m EUR
PeerBerry 18m EUR

Loans 16 To 30 Days Late

EstateGuru n/a
Mintos 22m EUR
PeerBerry 0 EUR

Loans 31 To 60 Days Late

EstateGuru n/a
Mintos 23m EUR
PeerBerry 0 EUR

Loans 60 Plus Days Late

EstateGuru n/a
Mintos 10k EUR
PeerBerry 0 EUR

Loans Defaulted (In Recovery)

EstateGuru 57m EUR
Mintos n/a
PeerBerry n/a

Loans Defaulted (Recovered)

EstateGuru 7m EUR
Mintos n/a
PeerBerry n/a

Loans Defaulted (Written Off)

EstateGuru n/a
Mintos n/a
PeerBerry n/a

Investors

EstateGuru 161,539
Mintos 553,572
PeerBerry 65,570

Average Amount Per Investor

EstateGuru 5k EUR
Mintos 3k EUR
PeerBerry n/a

Principal Returned

EstateGuru 598m EUR
Mintos n/a
PeerBerry n/a

Interest Earned

EstateGuru 85m EUR
Mintos 285m EUR
PeerBerry 19m EUR

Late Fees Earned

EstateGuru n/a
Mintos n/a
PeerBerry n/a

Loan Originators Statistics new

EstateGuru n/a
Mintos
PeerBerry n/a

Features

Auto-Invest

EstateGuru

Available as: Automated Investment Strategies

In January 2022, EstateGuru replaced the former auto-Invest feature with automated investment strategies. Instead of requiring a minimum investment of 250€, the strategies work already with a minimum of 50€ per investment. There are two presets for the strategies: "conservative" and "balanced". They differ in the strength of collateral (Loan To Value), the selection of countries and other risk adjustments. For more advanced investors, EstateGuru now offers individual strategy configuration possiblities.

Mintos

Available as: Custom automated strategies, Mintos Strategies

Mintos provides three fully automatized investment strategies: Diversified (rating: A+ to C-, average interest rate: 12.25%), Conservative (rating: A+ to B+, average interest rate: 9.84%), High-yield (rating: A+ to C-, average interest rate: 12.60%). If you want to customize further your investment, mintos has the "custom automated strategies" feature for that. By November 2020, mintos has replaced the old "risk ratings" with a "risk score". However, mintos has not yet updated the auto-invest strategies documentation disclosing how the new risk model does apply to the mintos strategies feature.

PeerBerry

Available
Manual-Invest

EstateGuru

Available

Mintos

Available as: Custom manual investments

PeerBerry

Available
Instant Cash-Out

EstateGuru

Available as: Instant Exit Program

In October 2021, EstateGuru launched the instant exit programm. Next to the secondary market, investors can quickly liquidate their loans by returning them to EstateGuru. BE WARNED that a 35% discount is due to be taken from EstateGuru. In almost every case it would make more sense to sell a loan via the secondary market. Latest at high discounts of 10-15% you should find a buyer.

Mintos

Available as: Mintos strategies

With "Mintos strategies" you can relatively fast cash out your money. Mintos writes: "When you want to cash out money, your Mintos strategy automatically sells loans in your strategy to other investors using the same strategy. Selling usually happens within a few minutes, depending on demand from other investors at that time. You can only sell current loans. If a loan in your strategy is late, you can get your money when it recovers or buyback kicks in. You can also manually sell late loans on the Secondary Market from the Portfolio page."

PeerBerry

Not available
Secondary Market

EstateGuru

Available

The secondary market is available but needs to be consented and activated by the investor. There is currently a survey running whether the secondary market should be made available also for auto-invest.

Mintos

Available

PeerBerry

Not available

Risk & Security

Buyback Guarantee

EstateGuru

Not available

Mintos

Available

Mintos claims that 95% of its loans come with buyback guarantee. If the loan is delayed by more than 60 days, the lending company will automatically buy back the investment and pay you interest.

PeerBerry

Available as: Buyback Guarantee, Group Guarantee

The loan originators on PeerBerry usually guarantee to take over a loan if the borrower fails to pay after 60 days. Furthermore, in case a loan originator is insolvent and cannot pay back the money, the main partners of PeerBerry – the Aventus group and the Gofingo group – guarantee to payback investors. This is called "group guarantee". However, members of the investor community have criticized that legally there exist no "Aventus group" as an entity. And thus, the group guarantee may be a shallow term.

Payment Guarantee

EstateGuru

Not available

Mintos

Not available

PeerBerry

Not available
Rating System

EstateGuru

Not available

Mintos

Available as: risk scoring

From November 2020, mintos risk scoring has replaced mintos risk grades. The new system is a numerical scale: low risk (10-8), mid risk (7-5), and high risk (4-1). Furthermore, mintos uses four subscores: loan portfolio performance, loan servicer efficiency, buyback strength, and cooperation structure.

PeerBerry

Not available
Due Diligence

EstateGuru

Available

EstateGuru has a due diligence process for every loan project. Each loan is secured with a mortgage. In case, the borrower cannot pay back the loan, the property would be seized.

Mintos

Available

PeerBerry

Not available
Skin in the Game

EstateGuru

Not available

Mintos

Available

Loan originators should have skin in the game of 5 to 20% (10% on average).

PeerBerry

Not available

Collaterals

EstateGuru Property, Inventory
Mintos Property, Inventory
PeerBerry n/a

Maximum Loan To Value (LTV)

EstateGuru 75.00%
Mintos n/a
PeerBerry n/a

Sign Up Bonus

The investor gets 0,5% added to their account for investments during the first three months.

Mintos – is it a match?

PeerBerry – is it a match?

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Legal Notice

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