Compare EstateGuru vs Mintos vs PeerBerry p2p platforms

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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 10.20%
Mintos 10.53%
PeerBerry 11.11%

Total Loans Funded

EstateGuru 893m EUR
Mintos 10b EUR
PeerBerry 2b EUR

Loans Outstanding

EstateGuru 217m EUR
Mintos 499m EUR
PeerBerry 106m EUR

Loans Current

EstateGuru 67m EUR
Mintos 402m EUR
PeerBerry 88m EUR

Loans Late

EstateGuru 3m 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 28m EUR
Mintos n/a
PeerBerry n/a

Loans Defaulted (Recovered)

EstateGuru 8m EUR
Mintos n/a
PeerBerry n/a

Loans Defaulted (Written Off)

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

Investors

EstateGuru 164,005
Mintos 553,572
PeerBerry 65,570

Average Amount Per Investor

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

Principal Returned

EstateGuru 675m EUR
Mintos n/a
PeerBerry n/a

Interest Earned

EstateGuru 92m 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

EstateGuru – is it a match?

Mintos – is it a match?

PeerBerry – is it a match?

Made with πŸ…πŸ₯–️ near Barcelona

Legal Notice

This is not an offer to invest. Investing in financial instruments involves risk. No investment is guaranteed, and there is always a risk of partial or full loss of invested funds. This information is not investment advice or a recommendation. All investment decisions shall be made by you independently, taking into account all your personal circumstances. BeyondP2P earns commissions from platforms when you sign up through our affiliate links. This can influence how prominently platforms are displayed, but we strive not to let it influence us on how we write about them.

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