Business Loans, Consumer Loans, Leasing, Real Estate
HQ Country
EstateGuru
Estonia
Mintos
Latvia
PeerBerry
Croatia
Investments
Interest Rates
EstateGuru
8.00%
β
13.00%
Mintos
6.00%
β
22.00%
PeerBerry
9.00%
β
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 250β¬, the strategies work already with a minimum of 50β¬ 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 βΒ the Aventus group and the Gofingo group β 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 β is it a match?
Mintos β is it a match?
PeerBerry β is it a match?
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