P2P Lending Comparison
Mintos vs Debitum: Which Fits Your Portfolio in 2026?
Both platforms hold MiFID II licences from Latvijas Banka, but they diverge sharply on secondary-market liquidity, buyback guarantees and loan diversity. This comparison uses live data to show where each platform wins.
Key insight. Both platforms share the same regulator and licence type, but Mintos offers a secondary market and partial buyback protection across some originators, while Debitum provides neither. Investors seeking early-exit flexibility typically favour Mintos; those comfortable locking funds until maturity may consider Debitum's SME focus.
Direct comparison
| Attribute | Mintos | Debitum |
|---|---|---|
| Headquarters | Riga, Latvia | Riga, Latvia |
| Operational since | 2015 | 2017 |
| Regulator / licence | Latvijas Banka, MiFID II | Latvijas Banka, MiFID II |
| Loan types | Consumer, business, car, bonds, real estate | SME, invoice, agricultural |
| Buyback guarantee | Partial (originator-dependent) | No |
| Secondary market | Yes | No |
| Minimum investment | EUR 50 | EUR 10 |
| Target return | 9-11% | ~11.4% |
Where Mintos wins
- Secondary market. Mintos operates a working marketplace where investors can list Notes and exit positions before maturity. Debitum offers no secondary market, so funds remain locked until repayment or default.
- Loan diversity. Mintos covers consumer, business, car, bond and real-estate loans across multiple originators. Debitum focuses exclusively on SME, invoice and agricultural lending.
- Partial buyback. Some Mintos originators provide buyback guarantees on consumer and business loans. Debitum does not offer any buyback mechanism, leaving investors fully exposed to borrower credit risk.
- Investor base and track record. Mintos launched in 2015 and serves over 700,000 investors with EUR 12.4 billion cumulative volume. Debitum operates at a smaller scale since 2017.
Where Debitum wins
- Lower entry threshold. Debitum requires EUR 10 minimum investment versus Mintos' EUR 50, making it slightly more accessible for smaller portfolios.
- SME and invoice specialisation. Investors seeking pure exposure to Baltic and European SME or invoice financing may prefer Debitum's narrower product focus over Mintos' multi-asset approach.
Bottom line
Both platforms hold MiFID II licences from Latvijas Banka, placing them under comparable regulatory oversight. The decisive differences lie in liquidity and protection. Mintos provides a secondary market for early exit and partial buyback coverage on some loan types, while Debitum offers neither. Investors who value the ability to trade positions before maturity and seek some originator-level buyback protection typically choose Mintos. Those comfortable committing capital until loan maturity and willing to accept full borrower credit risk may find Debitum's SME and invoice focus suitable, particularly if the EUR 10 minimum threshold matters. Both platforms carry a risk of partial or total loss of capital, and neither guarantees returns. Verify all terms directly with each platform before committing funds.
Visit Mintos
EUR 50 minimum, secondary market, partial buyback. MiFID II-regulated by Latvijas Banka. Not sponsored.
Open Mintos AccountFrequently asked questions
No. Debitum does not provide a buyback guarantee on any of its SME, invoice or agricultural loans. Investors bear the full credit risk of each loan without a protection mechanism from the platform or originators.
Mintos offers a working secondary market where investors can list and trade Notes before maturity. Debitum does not operate a secondary market, meaning investors must hold loans until repayment or default.
Yes. Both platforms hold MiFID II licences issued by Latvijas Banka in Latvia. This regulatory framework imposes capital requirements, reporting obligations and conduct standards on both firms.
Risk warning. P2P lending carries a risk of partial or total loss of capital. Mintos' EUR 20,000 compensation scheme covers eligible claims against the firm and does not cover borrower defaults. Debitum does not publish a compensation scheme. This comparison is not financial advice. Read the full risk disclosure and verify all data with each platform before investing.