Mintos’ Largest Loan Originator Suspends Payments
Critical Situation at Mintos. Nera Capital, one of its largest loan originators (financial litigation), has suspended interest payments since March 2026. Over €60 million of investor funds are affected.
What is happening
The UK Solicitors Regulation Authority (SRA) is reviewing the solvency of around 80 law firms that work with Nera Capital. As a result:
- Interest payments have been suspended since March 26
- Principal payments scheduled for May 20 were not executed
- Mintos is in active negotiations to restructure the loans
The impact in numbers
- An additional €12M entered recovery in June 2026 alone
- Nera Capital loans are not selling even with a 30% discount on the secondary market
- If Mintos classifies Nera Capital as default, it would be the largest originator default in the platform’s history
Lesson for investors
This case exposes a structural risk of P2P lending: dependence on originators. Even regulated platforms like Mintos (under MiFID II) cannot eliminate the counterparty risk from the lenders they list.
For those affected, current options are limited: wait for the resolution of the SRA review, try to sell on the secondary market (with massive losses), or consider restructuring if it materializes.
Sources: re:think P2P, Rivalsense