Mintos vs EstateGuru: Which P2P Platform Fits You in 2026?
Mintos is a diversified, MiFID II-regulated marketplace across multiple loan types. EstateGuru is an ECSP-licensed specialist in real-estate bridge lending. Both solve "connect investors to loans" in different ways.
| Criterion | Mintos | EstateGuru |
|---|---|---|
| Founded | 2015 | 2013 |
| HQ | Riga, Latvia | Tallinn, Estonia |
| Regulator | Latvijas Banka, MiFID II | EFSA Estonia, ECSP |
| Loan types | Consumer, business, car, bonds, real estate | Real estate, business |
| Target return | 9-11% | ~10.4% |
| Buyback | Partial, originator-dependent | No |
| Secondary market | Yes | Yes |
| Minimum investment | EUR 50 | EUR 50 |
| Cumulative volume | EUR 12.4bn+ | EUR 939m+ |
| Investors | 700,000+ | 159,000+ |
Figures from our internal platform data registry, reviewed 2026-06-07. Verify current terms directly with each platform.
Where Mintos Wins
- Broader diversification across loan types (consumer, business, car, bonds, real estate) rather than one sector.
- Materially larger scale: EUR 12.4bn+ cumulative volume vs EUR 939m+.
- MiFID II licence, a step up from EstateGuru's ECSP crowdfunding licence in scope of oversight.
Where EstateGuru Wins
- ECSP licence specifically designed for EU crowdfunding, with real-estate collateral as the core model.
- Slightly higher single-figure target return (10.4% vs 9-11% range's midpoint).
- Simpler, single-asset-class focus for investors who specifically want real estate exposure.
Bottom Line
If diversification across loan types and platform scale matter most, Mintos is the broader choice. If you specifically want real-estate-collateralised lending under an EU crowdfunding licence, EstateGuru is the more focused option. Neither platform's compensation or licensing framework covers borrower default risk - that responsibility sits with the investor on both. See our full Mintos review and other alternatives.
Disclaimer. Information only, not financial advice. Both platforms carry risk of partial or total loss of capital. Verify current terms directly with each provider.