Last update: October 7, 2026
The best Mintos alternative in 2026 is Debitum. Like Mintos, it holds a MiFID II investment firm licence from the Bank of Latvia, but it funds business loans instead of consumer loans. Go & Grow is the simplest alternative, and Estateguru is the best one for real estate loans.
Mintos is still my largest P2P position: €54,481 invested since 2017, with a 9.3% net annual return. I add other platforms only when they fill a gap Mintos leaves open. Below are my 7 picks, with the licence status of each one.
Mintos Alternatives Compared
The table compares my 7 picks with Mintos. The licence column answers the most common question I get: which alternative is regulated?
| Platform | Licence 🔒 | Avg Return 💶 | Loan Type | Main Risk ⚠️ |
|---|---|---|---|---|
| Mintos (benchmark) | MiFID II, Bank of Latvia | 9-11% | Consumer and business, 60+ lenders | Lender defaults |
| Debitum | MiFID II, Bank of Latvia | 11-16.5% advertised | SME business loans | Low liquidity |
| Go & Grow | No investment licence | Up to 6% | Consumer loans | Low transparency |
| Estateguru | ECSP, Estonia | About 10% (varies by loan) | Property-backed loans | Slow recoveries |
| Twino | MiFID II, Latvia | About 12% | Polish consumer loans | One country only |
| Crowdpear | ECSP, Bank of Lithuania | About 10.6% | Mortgage-backed loans | 95%+ in Lithuania |
| Neo Finance | Bank of Lithuania (e-money) | About 14.5% advertised | Lithuanian consumer loans | One country only |
| PeerBerry | No licence | About 11% | Consumer loans | 83%+ from Aventus Group |
Returns are indicative and never guaranteed. Data checked on October 7, 2026. For 27 platforms side by side, see my P2P lending comparison table.
Why I Use Alternatives to Mintos
I use Mintos alternatives to reduce concentration, not because Mintos failed me. My P2P returns come from spreading money across countries and lenders. A second platform extends this rule to the platform itself.
Each alternative must fill a gap. Debitum adds business loans. Go & Grow adds daily liquidity. Estateguru adds property collateral. A platform that copies Mintos with fewer lenders adds risk, not diversification.
1. Debitum: Best Regulated Alternative to Mintos
Debitum is the closest regulated alternative to Mintos. It holds a MiFID II investment firm licence from the Bank of Latvia since December 2024. It funds business loans to SMEs, so it diversifies away from consumer credit.
I invest in Debitum since 2019. My real return is about 9% to 10% per year, below the advertised 11% to 16.5%. Debitum reported an audited net profit of €507,000 in 2025 and manages €70.2 million of outstanding investments.
My only doubt is the near-zero default record. Business lending always produces some losses, so a perfect record on paper makes me more careful. There is no secondary market: plan to hold until maturity.
Read my Debitum review with my results since 2019.
2. Go & Grow (Bondora): Simplest Alternative to Mintos
Go & Grow is the opposite of Mintos: no lenders to pick, no strategy to set. You deposit from €1 and earn up to 6% per year, with daily withdrawals. More than 516,000 investors have joined.
Go & Grow has no investment licence and shows little about the loans behind your balance. Still, it is among the oldest platforms I use. It has paid stable gains for 17 years, through market crises and debt crises. Bondora Group reported a net profit of €9.5 million in 2025.
Read my Go & Grow review.
3. Estateguru: Best Real Estate Alternative to Mintos
Estateguru funds loans backed by property. It holds a European crowdfunding (ECSP) licence from the Estonian Financial Supervision Authority since 2023. By June 2026 it had lent €952 million and paid investors €99 million in interest.
Estateguru worked well for me because I kept a very low exposure to Germany and to Finland. These two markets produced the worst defaults: in 2026 Estateguru lists both as inactive, with slow collateral sales. Estonia, Latvia and Lithuania perform much better.
Read my Estateguru review and my guide to real estate crowdfunding.
4. Twino: Licensed Alternative to PeerBerry and Mintos
Twino holds a MiFID II investment brokerage licence in Latvia. In 2026 it offers Polish consumer loans at about 12%, with a 60-day buyback guarantee and a secondary market.
Twino is a good licensed alternative for investors who like the PeerBerry model but want supervision. The limits are clear: one country only, a Vietnam portfolio that defaulted with a loss of about €1.6 million, and a real estate arm that was wound down.
5. Crowdpear: Licensed Mortgage-Backed Loans
Crowdpear holds an ECSP crowdfunding licence from the Bank of Lithuania. It funds loans secured by a first-rank mortgage, at about 10.6% and up to 14%. The collateral is the main protection.
The weak point is geography: more than 95% of projects are in Lithuania. Crowdpear works as a small satellite, not as a replacement for Mintos.
6. Neo Finance: Listed Company, Lithuanian Loans
Neo Finance is supervised by the Bank of Lithuania as an electronic money institution, and its shares trade on Nasdaq Vilnius. It funds Lithuanian consumer loans, with an advertised average rate of about 14.5%.
Investors can use a provision fund and a buyback option that returns 50% to 80% of value on late loans. It is a single-country platform with a confusing interface. Read my Neo Finance review and interview.
7. PeerBerry: Similar to Mintos, More Concentrated
PeerBerry looks like Mintos: consumer loans, buyback guarantee, auto invest, about 11% per year. It has a long record of regular payments.
The difference is concentration. More than 83% of PeerBerry loans come from Aventus Group, and the platform still has no licence in 2026, five years after announcing one. I keep PeerBerry last on this list for that reason.
Removed From My List: Iuvo
I removed Iuvo from my Mintos alternatives in 2026. Iuvo operates without financial supervision since 2022, when its Estonian licence was withdrawn at its own request. Client funds are not segregated, and defaults from Kviku remain unresolved.
Iuvo also depends heavily on its own group: 74% of funds went to Bulgarian lenders in 2024. It may suit experienced investors as a small position, but it no longer meets my criteria.
How Much to Invest in P2P Lending
I keep P2P lending below 20% of my total assets. The rest sits in ETFs and bonds. P2P lowers the volatility of my portfolio, but it carries platform and lender risk that no licence removes.
Your number may differ. It depends on your age, income and other assets. I am an investor, not your financial advisor. My guide on how safe P2P lending is explains the risks in detail.
How I Choose a Mintos Alternative
- Licence first: MiFID II or ECSP. An unlicensed platform needs a very strong reason to enter my portfolio.
- A different gap: business loans, property collateral or liquidity. Not a smaller copy of Mintos.
- No dominant lender group: the lesson from PeerBerry and Iuvo.
- No currency mismatch: my worst Mintos loss came from Wowwo, a Turkish lender earning in lira and paying in euro.
- Audited accounts and a long history: I trust platforms that survived at least one crisis.
For the full ranking of P2P platforms, read my guide to the best P2P lending platforms in Europe. For direct comparisons, see Mintos vs Go & Grow vs PeerBerry.
Final Thoughts
Debitum is the best Mintos alternative for most investors in 2026: licensed like Mintos, but focused on business loans. Go & Grow suits those who want simplicity. Estateguru suits those who want property collateral, with low exposure to Germany and Finland.
Mintos stays at the core of my P2P portfolio. Alternatives are satellites. Keep each one small, and never let a single platform, lender group or country dominate.
⚠️ Disclaimer: P2P lending is a high-risk investment. Loans may default and platforms can fail. Returns are not guaranteed. This is my personal experience, not financial advice. Read the full disclaimer.
Disclosure: some links in this article are affiliate links. I may earn a commission if you sign up through them, at no extra cost to you.
FAQ: Mintos Alternatives
What is the best alternative to Mintos?
Debitum is the best alternative to Mintos in 2026. It holds the same MiFID II licence from the Bank of Latvia and adds business loans, which Mintos covers less.
Is there a regulated alternative to Mintos?
Yes. Debitum and Twino hold a MiFID II investment firm licence in Latvia. Estateguru and Crowdpear hold an EU crowdfunding (ECSP) licence. Go & Grow and PeerBerry have no investment licence.
What is a licensed alternative to PeerBerry?
Twino is the closest licensed alternative to PeerBerry: consumer loans, buyback guarantee and a MiFID II licence in Latvia. Mintos is the larger licensed option.
What is a good alternative to Twino?
Mintos is the best alternative to Twino: same Latvian licence, but loans from 60+ lenders in many countries instead of Poland only.
What is a good alternative to Bondora Go & Grow?
Mintos is the main alternative to Go & Grow if you accept more effort for a higher return. Debitum Flow pays 8% with withdrawal requests, but no guaranteed early exit.
How many P2P platforms should I use?
A few are enough. I keep Mintos as the core and add a small number of alternatives, each filling a different gap. More platforms mean more risk to monitor.
By reading this article my first question is why all the P2P platforms are from East countries? Is it coincidence?
The only real alternative to Mintos for me is IUVO.
I like they have Bulgarian loans instead of all baltic loans. I call it diversification.
Agree. IUVO is great and not so “baltic”.