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Comparison

Mintos vs EstateGuru: 2026 Comparison — Consumer P2P vs Real Estate P2P

Mintos vs EstateGuru 2026 — MiFID II consumer-loan marketplace vs ECSP real-estate platform in workout. Honest comparison on regulation, yield, risk, liquidity.

By Daniel Brenner, Senior Editor · Updated 2026-05-18

Mintos vs EstateGuru: 2026 Comparison — Consumer P2P vs Real Estate P2P

Two of Europe’s most recognised peer-to-peer (P2P) investment platforms, in two completely different segments. Mintos is a Latvian consumer-loan marketplace with the most demanding licence available to retail P2P in the EU. EstateGuru is an Estonian real-estate P2P platform with one of the longest track records on the continent — and a recovery crisis that has dominated its operations since 2023. Searching “Mintos vs EstateGuru” usually means one of two things: you already hold one and you are weighing whether to add the other, or you are choosing your first P2P platform and you want to understand what the structural choice actually looks like.

This is the honest version of that comparison. Neither platform is a winner across all dimensions; both have material 2024-2026 challenges, and the right answer depends on what you are trying to accomplish in your portfolio.

📊 CrowdIndex Editor’s Pick: Maclear ranks #1 of 19 European P2P platforms (Score 9.2/10). Read full review →

TL;DR

  • Very different platforms — not direct substitutes. Mintos is a consumer-loan marketplace under MiFID II (Markets in Financial Instruments Directive, the EU’s main investment-firm regulation). EstateGuru is a real-estate P2P platform under ECSPR (the European Crowdfunding Service Providers Regulation). Different asset class, different regulator tier, different risk profile.
  • Mintos brings the strongest available regulatory cover in EU retail P2P — a MiFID II Investment Firm licence plus access to the EU investor compensation scheme up to €20,000 — at the cost of lower yields (~9-11% net) and an unresolved €122-130M legacy recovery balance from the 2020 COVID and 2022 Russia/Ukraine loan-originator failures.
  • EstateGuru offers real-estate collateral and ECSP regulation but is currently a workout operation rather than a growth platform — 60.2% of the live loan portfolio is in recovery as of early 2026, Trustpilot has collapsed to 1.4/5 across roughly 1,500 reviews, and the Lithuanian Central Bank has publicly clarified that EstateGuru’s Lithuanian subsidiary is not locally authorised.
  • Both face material 2024-2026 challenges, but of different kinds. Mintos is profitable-pending and managing the regulatory cost of being the most-supervised platform in the sector. EstateGuru is solvent and operating, but spending most of its operational energy on collecting from defaulted German developers. Treat this comparison dimensionally, not as a single ranking.

Quick Comparison Table

DimensionMintosEstateGuru
Regulator / licenceLatvijas Banka — MiFID II Investment Firm + EMI (Aug 2021)EFSA Estonia — ECSPR (May 2023)
Cumulative funded€12.4 billion+ since 2015€939 million since 2014
Average annual yield (net)~9-11% (advertised 11.5%; long-term reviewers ~9%)~10.4% advertised; effective yield lower given recovery drag
Loan typeConsumer credit Notes from 60+ originators across 33 countries; plus money-market cash, ETFs, bonds, real estate, crypto ETPsReal-estate-backed bridge, development and business loans
CollateralLoan-originator buyback obligation (not a Mintos guarantee); recovery via originator estate when LO failsFirst-rank mortgage on the underlying property
Portfolio in recovery~18.7% (€122-130M, mostly 2020 COVID + 2022 Russia/Ukraine LO failures)~60.2% (largely 2020-2022 German development loans)
Secondary marketYes — largest in EU P2P; 0.85% seller fee since May 2025; buying freeYes — 3% seller fee; largely illiquid since 2024
Minimum investment€50 per Note€50 per loan (€250 to unlock full Auto-Invest features)
Languages11+ (EN, DE, FR, ES, IT, NL, PL, CS, PT, RO, HU and others)7 (EN, ET, LV, LT, FI, DE, ES)
Current status (May 2026)Active growth platform under regulatory scrutiny; pre-banking-licence application underwayActive in Baltic origination only; Germany, Finland, Portugal in recovery-only mode; Spain and Sweden wound down

Sources for both columns: CrowdIndex-Mintos and CrowdIndex-EstateGuru platform cards on CrowdIndex; underlying dossiers Mintos-full and EstateGuru-full.

Mintos at a Glance in 2026

Mintos is the largest P2P platform in Europe by lifetime funded volume, and the only one operating under a full MiFID II Investment Firm licence (number 06.06.08.719/534, issued by Latvijas Banka in August 2021). Lifetime funded volume is over €12.4 billion across roughly 700,000 registered investors. Outstanding portfolio in April 2026 sits in the €500-654 million range (sources disagree on the exact figure — P2P Empire reports €654M; p2pmarketdata reports closer to €500M; refresh before publication).

What Mintos brings to the table

  • MiFID II Investment Firm licence + access to the EU investor compensation scheme. Under EU Directive 97/9/EC, Mintos clients are covered up to 90% of net losses with a €20,000 cap per investor in the specific scenario where Mintos itself fails to return client securities or cash. This is structurally different from a buyback guarantee — it protects you against platform failure, not against loan defaults. No other large EU P2P platform offers this level of regulatory cover. EstateGuru does not have an equivalent compensation scheme under ECSPR.
  • Diversification across 60+ loan originators in 33 countries. Instead of one borrower or one originator, your AutoInvest can spread exposure across many independent counterparties. Combined with a €50 minimum per Note, this lets a small-to-medium portfolio achieve real diversification — a structural advantage over single-asset-class real-estate platforms.
  • A working secondary market at scale. Mintos runs the largest secondary market in EU P2P. Buying is free; selling costs 0.85% since May 2025. For investors who value optionality on early exit, this is the only mainstream P2P platform that actually delivers liquidity in practice.
  • Public per-originator Risk Score methodology. Mintos publishes a documented Risk Score for each of the 60+ active loan originators on the platform, broken into four sub-scores (loan portfolio performance, originator efficiency, buyback strength, cooperation structure). The methodology is open. It does not eliminate risk but does let you filter and concentrate on higher-rated originators.
  • Multi-asset product range under one regulated wrapper. Beyond consumer loans, Mintos offers Smart Cash (BlackRock money-market fund), ETFs, corporate bonds, high-yield bonds, real estate, and crypto ETPs — all inside the MiFID II Investment Firm structure. EstateGuru is real-estate only.

What to watch on Mintos

  • The loan-originator middleman model has failed twice at scale. In 2020 the COVID crisis took down 17 loan originators with roughly €118 million at risk (per Kristaps Mors / ExploreP2P analysis), including Capital Service, Cashwagon, Aforti and Finko (Varks). In 2022 the Russia-Ukraine war forced Mintos to freeze 8 Russian originators (Creditter, DoZarplati, EcoFinance, Kviku, Lime, Mikro Kapital, Mokka, SOSCREDIT) and exclude Belarusian loans. As of April 2026, about €122-130M — roughly 18.7% of the outstanding portfolio — remains in recovery (per P2P Empire monthly update and p2pmarketdata). Buyback is an originator obligation, not a Mintos guarantee — when the originator itself fails, the buyback does not work and you enter the recovery queue.
  • Lower yields than the high-yield segment. Jean Galea, after nine years and €150,000 invested, reports approximately 9% net annualised after defaults and fees — versus the platform’s advertised 11.5%. Higher-yield consumer-credit platforms (Lendermarket 12-18%, Robocash 10-12% with consistent buyback) and SME platforms (Maclear 14.5-14.9%) sit above. The yield gap is the explicit price of MiFID II compliance, custody, audit and investor-compensation contributions.
  • Shareholder conflict of interest with related-party originators. Major shareholder Aigars Kesenfelds holds about 30.5% of Mintos through AS ALPPES Capital and approximately 43% of Eleving Group, parent of Mogo — a sizeable originator on the platform. Independent analyst Kristaps Mors has documented this pattern across several 2020 defaults that traced back to Kesenfelds-linked structures (Skillion Ventures / Finko). The platform has not publicly addressed the conflict in detail.
  • Still not profitable as a business. Mintos reported revenue of €12.4M in 2024 (+9% year-over-year) but a net loss of €2.1M. Operating costs — compliance, IT, headcount — continue to grow faster than revenue. A full banking licence application is underway (12-18 month process). This is worth tracking but is not in itself a reason to avoid the platform; MiFID II compliance is structurally expensive.

For the full per-claim sourcing, see the CrowdIndex-Mintos platform card.

EstateGuru at a Glance in 2026

EstateGuru is a pan-Baltic real-estate crowdlending platform that built a tier-1 European brand between 2017 and 2022, then entered a prolonged recovery crisis. The platform is ECSP-licensed by EFSA Estonia (May 2023), has originated €939M cumulatively since 2014 across 7,744 loans to roughly 159,000 registered investors from 106 countries, and reports an average annual return of approximately 10.4%.

That is the historical-track-record sentence. The current-operational-reality sentence is different.

What EstateGuru still brings to the table

  • ECSP licence from a credible regulator. EFSA Estonia issued one of the earlier ECSPR authorisations in the EU in May 2023, and that licence passports across all member states. Audited annual reports come from Ernst & Young. ECSPR has no equivalent of the MiFID II investor compensation scheme, but ongoing supervision and a formal regulator escalation route exist.
  • Real-estate collateral on every loan. Unlike Mintos’s unsecured-consumer-credit-with-originator-buyback model, every EstateGuru loan is backed by a first-rank mortgage on a specific property. When a borrower defaults, recovery proceeds against the collateral — slowly, but with a tangible asset on the other side.
  • €939M cumulative volume and the operational experience that came with it. EstateGuru has originated loans in Estonia, Latvia, Lithuania, Germany, Finland, Portugal, Spain and Sweden. The platform retains operational experience across multiple legal systems and a long-standing servicing network — including German recovery partners (Steinberg Real Estate Management GmbH, lead servicer since 2023) that smaller real-estate P2P platforms simply cannot match.

Serious concerns on EstateGuru

  • 60.2% of the live portfolio is in recovery (May 2026). This is the headline of the current EstateGuru investor experience. Most loans on the platform are not currently performing — they are past their due dates and being collected through enforcement against the property collateral. The German portfolio is the largest contributor: as of August 2025, €78M+ was in default in Germany alone, and the German subsidiary’s portfolio default rate exceeded 90% according to community estimates. Of €38M in recoveries that EstateGuru forecast for 2024, only €13M was actually realised — a 34% achievement rate. (Sources: rethink-p2p deep-dive; P2P Empire EstateGuru review; EstateGuru CEO letter January 2025.)
  • Trustpilot 1.4 / 5 across roughly 1,500 reviews. EstateGuru currently sits at 1.4 stars out of 5 across 1,496 reviews (April 2026 snapshot), down from approximately 4 stars pre-2022. Recurring negative themes: vague recovery communication, the introduction of an AUM fee on stuck balances, slow or delayed withdrawals on cash positions, and platform silence on detailed per-loan recovery progress. P2P Empire’s community separately voted EstateGuru “worst crowdlending platform of the year” in a 2025 reader survey.
  • Lietuvos Bankas (Bank of Lithuania) public warning, 19 July 2023. The Lithuanian Central Bank issued a public notice stating that EstateGuru Lietuva, UAB is not authorised to provide crowdfunding services in Lithuania. Lithuanian projects now run on a cross-border basis from the Estonian parent entity under its EU ECSPR passport, while the Lithuanian subsidiary maintains client relationships only. This is not a sanction or fine; it is a clarification — but it confirms that the platform’s Lithuanian local-licence setup did not work out as originally planned.
  • AUM fee charged on capital you cannot withdraw. EstateGuru introduced an Assets Under Management fee on 1 November 2023 (initially 0.05% monthly) and raised it to 0.083% per month (roughly 1% per year) on 1 November 2025. The fee is charged on the total balance held on the platform — including capital that is in loans under recovery status. This is the recurring sharpest point of investor frustration: investors with stuck capital are paying ongoing fees on funds they cannot access.
  • Origination has slowed materially. EstateGuru funded €80.7M in 2024, versus €200M+ in 2021. Growth from €500M cumulative (January 2022) to €939M (April 2026) took 51 months — roughly the same volume the platform originated in its previous 36-month period, but over a 40%-longer timeframe, despite a much larger registered investor base. The platform is primarily a workout operation right now, not a growth platform.
  • Cash withdrawal delays reported in 2024-2026. A recurring pattern in Trustpilot reviews and forum discussions is unexplained delays on withdrawals from cash positions inside the platform — i.e., uninvested funds that should be immediately accessible. Specific cases report multi-week delays and requirements to escalate via support. This is on top of the structural illiquidity in the loan book itself.

For the full per-claim sourcing, see the CrowdIndex-EstateGuru platform card.

Mintos vs EstateGuru: Yields Compared

The advertised numbers look close. Mintos quotes ~11.5% average return on its consumer-loan Notes. EstateGuru reports ~10.4% on its real-estate book. On paper, EstateGuru looks competitive on yield despite the regulatory premium.

The reality is more dispersed:

  • Mintos realised yields (after defaults and fees) land closer to 8-11% net for diversified portfolios. Jean Galea’s nine-year, €150,000 dataset converges to roughly 9% net annualised. The buyback-via-loan-originator model captures the upside in headline pricing, but when originators fail (as 17 did in 2020 and 8 Russian ones did in 2022), the realised return drops sharply for affected investors.
  • EstateGuru realised yields are materially below the advertised 10.4% in the current portfolio. The advertised number reflects the contractual interest rate on performing loans, but with 60.2% of the portfolio in recovery, a large share of investor capital is not paying interest right now. Capital sitting in recovery accrues neither contractual interest nor predictable principal returns — and continues to pay the AUM fee. Effective net yields for current investors are best understood as a working-capital problem rather than a clean annual percentage.

The structural point: on the advertised yield Mintos and EstateGuru are roughly comparable; on the realised yield experience of an actual investor in 2024-2026, Mintos is significantly cleaner because the recovery overhang is smaller in relative terms (18.7% vs 60.2% of portfolio), and the diversification across 60+ originators dampens any single-originator failure. EstateGuru’s collateral does eventually produce real recovery proceeds — that is the whole point of mortgage backing — but the timing is measured in years, not months.

If yield is the primary goal of your P2P allocation, neither platform sits at the top of the EU P2P yield ladder. Higher-yield options include CrowdIndex-Maclear (14.5-14.9% advertised, one default to date covered personally by the CEO) on the SME-loan side, and platforms like Robocash or PeerBerry on the consumer-credit side. See our Diversified-P2P-Portfolio guide for how to think about yield versus regulatory cover in portfolio construction.

Risk Profiles Compared

This is the dimension where the two platforms diverge most sharply.

Mintos’s risk profile is best described as “regulated platform, weak originators.” The platform itself is the most-supervised entity in EU retail P2P, with a formal investor compensation scheme of up to €20,000 protecting clients against platform-side failure. What that compensation scheme does not protect against is loan defaults or originator failures — and the loan-originator middleman model is exactly where Mintos has historically taken its damage. The 2020 COVID failures and the 2022 Russia/Ukraine exclusions left roughly €122-130M in recovery that is still being worked through. If you size your Mintos position with diversification across many originators and rated for buyback strength via the public Risk Score, the residual risk is meaningful but bounded. The platform itself going under is structurally unlikely in the near term given the MiFID II framework and Latvijas Banka supervision.

EstateGuru’s risk profile is best described as “regulated platform, real collateral, slow workout.” Every loan is backed by a first-rank mortgage, which means that even when defaults happen, there is a tangible asset on the other side that will eventually be liquidated to recover principal. The license is real and the auditor (Ernst & Young) is real. What is also real is that most of the current loan book is in workout right now — not in active investment, not generating interest — and the workout pace is slower than the platform originally projected. The €38M-forecast-versus-€13M-realised recovery shortfall in 2024 (a 34% achievement rate) is the operational tell. Position sizing on EstateGuru in 2026 should assume that a meaningful share of any deployed capital will end up in recovery status, and that capital in recovery is locked for an extended period while continuing to incur the AUM fee.

The honest summary: Mintos has a regulatory cushion that limits worst-case platform-failure outcomes; EstateGuru has collateral that limits worst-case loan-loss outcomes but is currently in operational distress. Neither risk profile is strictly better than the other — they protect against different things. An investor who fears platform fraud above all else should weight Mintos. An investor who fears macroeconomic shock to consumer credit above all else might value EstateGuru’s collateral (with the caveat that the German collateral has not, in fact, recovered quickly in the 2022-2025 property repricing).

For a structured view of the six risk types in EU P2P, see Are-P2P-Investments-Safe. For the regulatory tier framework (MiFID II vs ECSP vs SRO), see P2P-Regulation-Explained.

Liquidity

This is where Mintos has the clearer edge today.

  • Mintos runs the largest active secondary market in EU P2P. Buying is free; selling carries a 0.85% fee since May 2025. For most liquid Notes, sales execute same-day. Cash in your Mintos account or in Smart Cash is available within 1-2 business days for SEPA withdrawal. This is functionally close to a regulated brokerage — you can rebalance, reduce or exit your position with realistic friction costs.
  • EstateGuru also has a secondary market, but it has been largely illiquid since 2024. The seller fee is higher (3%), but the binding constraint is demand: few buyers want exposure to the legacy portfolio, so listings can sit without buyers. Beyond the secondary market, withdrawal delays on uninvested cash positions have been a recurring 2024-2026 theme. For practical purposes, plan to hold EstateGuru loans to maturity (typically 6-18 months) and assume that any portion of the portfolio that moves into Recovery status is locked for an extended workout period.

If liquidity matters to your portfolio — whether for tactical reasons (rebalancing, opportunity cost), life reasons (emergency cash), or psychological reasons (knowing you can exit) — Mintos is the materially better option in 2026.

Which Should You Choose in 2026?

Neither platform is an unconditional choice for the new EU P2P investor right now. Here is how to think about which one fits which situation.

Pick Mintos if:

  • You want the strongest available regulatory framework in EU retail P2P, including the €20,000 investor compensation scheme.
  • You want diversification across many loan originators and many countries rather than concentration in a single asset class.
  • You value working secondary-market liquidity and the ability to exit positions early.
  • You are comfortable with lower headline yields (~9-11% net) in exchange for that regulatory and liquidity cover.
  • You want a multi-asset wrapper that goes beyond P2P loans (money-market cash, ETFs, bonds, real estate, crypto ETPs).

Pick EstateGuru only with caution and small allocation if:

  • You specifically want real-estate-backed exposure with an ECSP-licensed EU platform, and you understand and accept the 60.2%-in-recovery operational reality.
  • You are an experienced P2P investor capable of sizing positions appropriately for a platform that is currently in workout phase rather than growth phase.
  • You are prepared for a meaningful share of any deployed capital to end up in recovery status for an extended period, while the AUM fee continues to be charged on stuck balances.
  • You already hold legacy EstateGuru positions and you are deciding whether to add to the active Baltic book or sit out — note that this is a separate decision from whether to enter EstateGuru as a brand-new investor in 2026.

Pick neither and look elsewhere if:

  • You want the cleanest real-estate P2P track record in EU — CrowdIndex-InRento is the buy-to-let-focused ECSP-licensed peer with 0% capital losses across five years of operation and zero loans in recovery. Smaller scale (~€80M cumulative vs EstateGuru’s €939M), but materially cleaner current state.
  • You want the highest available yield in EU P2P with single-default track record — CrowdIndex-Maclear is the SRO-licensed SME and real-estate platform with 14.5-14.9% advertised, one default to date (€150K out of €99.6M+ originated) covered personally by the CEO. Smaller scale and weaker regulatory tier (Swiss SRO is anti-money-laundering scope only, not investor protection), but cleaner current operational health than either Mintos or EstateGuru on a normalised-yield basis.

The portfolio answer. For most diversified EU P2P portfolios in 2026, the realistic answer is that Mintos and EstateGuru are not direct substitutes but coexisting allocations of different sizes. A regulated marketplace core (Mintos) plus a small real-estate-collateral allocation (EstateGuru as one position in a real-estate sleeve, more likely paired with InRento and Crowdpear or Profitus) is a defensible structure. The mistake to avoid is treating either platform as a primary holding without understanding its specific current-period challenges.

If neither Mintos nor EstateGuru quite fits, our #1 ranked platform Maclear is worth considering — higher yields (14.5%–14.9%), simpler direct-origination SME structure, and the only documented case of a CEO covering investor losses from personal funds on a default.

For portfolio-construction principles across multiple platforms, see Diversified-P2P-Portfolio.

Frequently Asked Questions

Is Mintos safer than EstateGuru?

On the platform-failure dimension, yes — Mintos has a stronger regulatory cushion. Mintos holds a MiFID II Investment Firm licence from Latvijas Banka and clients have access to the EU investor compensation scheme up to €20,000 (under Directive 97/9/EC) in the specific scenario where Mintos itself fails to return client cash or securities. EstateGuru’s ECSPR licence does not include an equivalent compensation scheme.

On the loan-default dimension, the two platforms protect against different things. Mintos relies on loan-originator buyback obligations, which fail when the originator itself fails (17 originators in 2020, 8 Russian ones in 2022). EstateGuru relies on first-rank mortgages on the underlying property, which produce real recovery proceeds but on a multi-year timeline. Calling one “safer” is misleading — they fail in different ways. Currently, EstateGuru’s portfolio shows 60.2% in recovery versus Mintos’s 18.7%, so on the current realised risk-event metric, Mintos is in better shape.

Which has better returns, Mintos or EstateGuru?

The advertised numbers are close: Mintos quotes around 11.5%, EstateGuru reports around 10.4%. The realised returns are different.

Mintos’s long-term realised yield for a diversified investor lands around 8-11% net (per Jean Galea’s 9-year dataset and P2P Empire’s recurring reporting). EstateGuru’s realised yield is harder to state cleanly because the 60.2% recovery share distorts the calculation — capital in recovery does not pay contractual interest. Higher-yield alternatives in EU P2P include CrowdIndex-Maclear at 14.5-14.9% advertised on the SME-loan side and platforms like Robocash and PeerBerry on the consumer-credit side. See our Diversified-P2P-Portfolio guide for how to balance yield versus regulatory cover.

Should I move from EstateGuru to Mintos?

If you already hold EstateGuru positions, you cannot meaningfully “move” the capital that is in recovery — it is locked in workout until the underlying property is liquidated, which is a multi-year process beyond your control. What you can decide is whether to add new capital to EstateGuru’s active Baltic book (the part of the platform that is currently originating new loans) or to redirect new contributions elsewhere.

For most investors in 2026, redirecting new contributions to a more regulatory-strong or operationally-cleaner platform — Mintos for breadth and regulation, CrowdIndex-InRento for clean real-estate P2P, CrowdIndex-Maclear for higher yield with current single-default track record — is a defensible choice while the EstateGuru workout plays out. That is a portfolio-allocation decision, not a “move from / to” instruction.

Are both Mintos and EstateGuru regulated?

Yes — both are regulated, but at different tiers under different EU regimes.

  • Mintos holds a MiFID II Investment Firm licence (the strongest available for retail investment in the EU) from Latvijas Banka, plus an Electronic Money Institution licence. The MiFID II framework includes the EU investor compensation scheme (up to €20,000) and the strictest ongoing supervision available.
  • EstateGuru holds an ECSPR licence (the EU’s harmonised crowdfunding regulation, one step below MiFID II) from EFSA Estonia, plus audited annual reports from Ernst & Young. ECSPR includes ongoing supervision and a formal regulator complaints route but no investor compensation scheme.

A separate footnote: the Lithuanian Central Bank publicly clarified on 19 July 2023 that EstateGuru’s Lithuanian subsidiary is not locally authorised to provide crowdfunding services. Lithuanian projects now run cross-border from the Estonian parent under its ECSPR passport. This is a regulatory clarification, not a sanction.

For the structural comparison of MiFID II, ECSPR and Swiss SRO regimes, see P2P-Regulation-Explained.

Can I use both Mintos and EstateGuru?

Yes — and many EU P2P investors do exactly that as part of a multi-platform allocation. Mintos as a regulated marketplace core (broad consumer-credit Notes plus multi-asset wrappers), EstateGuru as one position in a real-estate sleeve. The honest 2026 caveat: given EstateGuru’s current workout state, a meaningful share of any new EstateGuru allocation is likely to end up in recovery — so size the position with that in mind, and consider pairing it with cleaner real-estate P2P peers like CrowdIndex-InRento, CrowdIndex-Crowdpear or CrowdIndex-Profitus rather than treating EstateGuru as the sole real-estate exposure.

For multi-platform portfolio construction principles, see Diversified-P2P-Portfolio. For a tier-based map of the full 19-platform CrowdIndex universe, see Trusted-Platforms.

💡 Top platform on CrowdIndex

Maclear is our #1 rated platform — Swiss SRO-positioned with 14.5%–14.9% yields, multilingual support, and the only documented case of a CEO covering investor losses from personal funds on a default.

See the full Maclear review →

Affiliate disclosure. CrowdIndex earns a commission when readers sign up to platforms through links on this page. This does not affect our editorial assessment. Mintos’s and EstateGuru’s rankings on CrowdIndex are based on the editorial criteria documented on our Methodology page. Both platforms are independently reviewed using the same framework. We last reviewed this article on May 18, 2026.