Accrued Interest
Interest that has accumulated on an investment up to the date it is repurchased by the lending company.Agricultural Loans
Loans issued to borrowers in the agricultural sector, reflecting the total amount since the lending company was established.Amortization Method
The schedule or plan detailing how a loan is repaid over time.Annual Percentage Rate (APR)
A yearly rate reflecting the total cost of borrowing, including interest and any applicable fees.API (Application Programming Interface)
Used to automatically transmit loan data to Mintos from lending companies.Assignment Agreement
A contract transferring the rights to receive borrower repayments from the lending company to the investor.Auto Invest
A Mintos tool that automates your investment portfolio based on your selected criteria.Available Funds
The balance in your Mintos account available for investment.Average Net Annual Return
A historical return figure to help assess long-term investment performance.Bad Debt
Loans where further repayment is no longer expected and remaining principal has been written off.Bank Transfer
A method for electronically transferring funds between bank accounts.Business Loans
Loans to small and medium businesses, often offering higher returns.Buyback Guarantee
If a loan is delayed for over 60 days, the lending company repurchases it, including accrued interest.Car Loans
Secured loans used by individuals to purchase vehicles.Campaign Rewards
Bonuses or cashback earned through participating in Mintos campaigns.Cash Flow Timing Risk
Risk of delayed payments if a borrower pays after the scheduled date.Cash Out
Withdrawing money from the Mintos portfolio (Core Loans, High-Yield, Conservative).Cashback
A return of part of the investment amount as a bonus.Current
Loans that are fully up-to-date with their payments.Default
The loan agreement has ended; the full outstanding balance is due.Default Interest
Interest charged after a loan defaults.Diversify
Spreading your investments across various loan types, companies, and regions to reduce risk.Discount / Premium
Adjustment to price when buying or selling investments on the Secondary Market.Due Diligence
Evaluation of lending companies before they are allowed on Mintos.Grace Period
The buffer time before a loan is officially considered late, determined by the lending company.Group Guarantee
A corporate guarantee from a related entity to support loan buybacks.LTV (Loan-to-Value Ratio)
A risk assessment metric comparing the loan amount to the value of collateral.Institutional Investors
Organizations investing on behalf of clients or members.Interest Income on Delayed Payments
Extra income received when borrowers pay late.Interest Payment
The portion of the repayment that covers interest charges.Interest Rate
The annual gross return rate before fees.Invest & Access
An automated investment product offering easy access to invested funds.Investment Structure
Defines your claim rights—direct (borrower) or indirect (lending company).Invested Funds
Total funds actively invested in loans.Invoice Financing
Short-term funding where businesses sell unpaid invoices for immediate cash.Issue Date
Date the loan was granted to the borrower.Late / Late Loans
Loans that are behind on scheduled payments.Lending Company
Previously referred to as “loan originators”; these companies issue loans listed on Mintos.Listing Date
The date a loan is made available for investment on Mintos.Listed for Sale
Indicator showing which loans an investor has listed on the Secondary Market.Loan Amount / Loan ID / Loan Schedule / Loan Type / Loan Portfolio
Core data points related to each loan and its structure, including amount, unique ID, repayment plan, type, and lending company’s total issued loans.Manual Investing
Investing in loans individually, without automation.Maturity
When a loan reaches the end of its repayment period.Mintos Account
Your personal investor account on Mintos.Mobile Payment
Paying via a mobile device.Mortgage Loans
Loans secured by real estate.- NAR % / Net Annual Return
Annualized return after fees and write-offs. Pawnbroking Loan
Short-term loans secured with physical collateral.Penalty Income
Earnings from borrower delays beyond the grace period.Personal Loans
Unsecured loans for personal use, paid back in installments.Pledge of Assets
Loan backed by the lending company’s own portfolio or assets.Portfolio Goal
The maximum amount you want invested using an automated portfolio.Pre-funded
Loans already funded by the originator before being listed.Prepayment Risk
Risk of the borrower repaying early, possibly affecting expected returns.Primary Market / Secondary Market
Where Notes/ Bonds and other investments are initially offered vs. where investors can buy/sell existing investments.Principal / Principal Payments
The original investment amount and repayments toward it.Referral
Invite friends and earn bonuses.Reinvest
Automatically reinvest earnings to grow your portfolio.Retail Investor
An individual investor using their personal funds.Return
Earnings from your investment.Risk Management / Risk Mitigation
Approaches to identify and reduce investment risks.Secured Loan Strategy
Loans backed by collateral, offering extra security.Service Fees
Charges for using Mintos services.Short-Term Loans
Loans with a duration of up to 1 month.Skin in the Game
Lending companies retain a portion of each loan to align interests with investors.Target
Maximum investment limit in automated strategies.Term
Remaining time before the loan is fully repaid.To Issue a Loan
Loan originators score and distribute loans.Weighted Average Interest Rate
The average interest rate across all loans by a lending company.Withdraw to a Bank Account
Transfer available funds from Mintos to your bank.XIRR / YTM
Metrics for measuring actual and expected investment returns.Notes / Set of Notes / Note
Financial instruments issued by Mintos for investment diversification.Withholding Tax
Automatically applied tax on interest income, based on residency.