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Crowdlending means that you invest in loans. This is how it works. A person somewhere in the world may need a loan for various reasons, such as purchasing a car, covering unexpected expenses, or any other financial need. They chose to take a loan from a company called a loan originator. This company, known as the loan originator, disburses the loan to the customer and subsequently decides to sell a portion of the loan to a loan aggregator. This is where you have the opportunity to purchase a share of the loan and earn interest on it.

Why would the loan originators do this? To simply be able to fund more loans and generate more revenue. Isn't it risky? All investments come with risks. However, as I mentioned in the paragraph above, in this case, they only sell a portion of the loan. Therefore, they have an interest in collecting the money from the customer. The portion of the loan that companies need to retain is called "skin in the game" and consists of 10% of the entire loan. Besides that, you can set up parameters to enhance safety.

Advantages of Investing in Crowdlending:

Easy and fast to set up. Just sign up here and follow my guide below.

You do not have to endure the volatility of the stock or crypto market. 

It compounds automatically without you having to do anything. Look at the example below. 

Once you have set up the parameters, you can sit back and enjoy what Einstein called the most powerful force in the universe: compound interest. Compound interest means that you earn interest on your initial investment as well as on the accumulated interest over time. Let me give you an example. Suppose you choose to invest €1.000 in crowdlending, and let's say you receive an annual interest rate of 10%. After one year, you will have €1.100, which will be reinvested. After two years, you will have €1.210. In ten years, your €1.000 will have turned into €2.395. In twenty years, it will be €6.727, and in thirty years, it will be €17.449. This trend continues, and you don't have to do anything except wait!

If you are interested in learning more about Crowdlending, you can refer to my guide to Mintos below. Mintos is the site I use personally.


Start right away by creating a profile at Mintos here (you do not need to deposit funds to get started). It takes approximately 5 minutes, and you can do it by clicking on "Create account" when you click on this link (it will open in a new tab, so you can do it while following my guide).

Once you have created an account, you will need to deposit some funds. You can do this by clicking on the button where it says "Add Money" in the center of the screen.

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And you can easily add funds by selecting the bank of your choice, entering the desired amount, and clicking "Continue". (The banking options depend on your country).

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We want to invest in loans, so we click on "Loans" in the top right corner.

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Once you are on the loan page. You click on "Create Portfolio"

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Mintos has created some pre-made strategies. I previously developed my own investment strategy, but I am now content with achieving an average interest rate of 10,7% from the Conservative portfolio. I would recommend that you go with the conservative option as it is safer.

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Once you have clicked on "select." You simply need to enter the target portfolio amount, which should be higher than the funds you have just transferred. This will ensure that the interest rates are reinvested. Finally, click on the "invest" button. And that is all you need to do.

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You just have to sit back, relax, and let Mintos do the work for you.

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