My delays in Mintos:
the money I am still waiting for.

Pending payments and overdue funds

In a pending payment, the lending company has reported the borrower’s payment and the funds still need transferring to Mintos for credit to the investor. That label alone does not show that the borrower has not paid. Mintos definition.

Mintos classifies as Fund arrears those not processed within seven days after the expected date. There may be temporary interruptions or longer negotiations. The label does not set a date for the money’s arrival. Definition of arrears, consulted on 8 October 2026.

The €330.87 of pending payments and €3,401.68 of overdue funds are already included in the €32,459.89 of loans in the overview. I do not add them to the account value again or treat them as cash available for a bank withdrawal.

Where the waiting money is concentrated

The “Overdue” section of 2 November 2026 totals €3,401.68: €3,191.08 of principal and €210.60 of interest. Mintos separates €3,364.47 in active cases and €37.21 in temporary cases.

The estimate shown for these cases is 2028. For Planet42, Mintos indicates estimated recovery of 75 % to 100 %; for the other three, 100 %. These are platform estimates, not a payment guarantee.

Nera and FintechFinance, from October to November

I keep observations from several days to see what changes. Nera Capital has the largest outstanding balance among these cases; MFO FintechFinance allows me to follow an amount that first fell and then rose again.

Nera Capital: the same balance in October’s observations

In all four October observations, €1,795.02 remained pending. The latest shows €1,795.02, or 52.8 % of all my overdue funds. An unchanged balance does not prove there were no movements between observations; I need the details to establish cumulative payments.

MFO FintechFinance: a balance that has changed

Between 7 and 9 October, the amount fell by €2.58. By the 23, it had reached €1,384.94. The latest observation shows €1,463.98: a difference of €143.11 from 7 October and €79.04 from 23 October.

An increase in the balance is not itself a new loss, and a decrease does not establish how much I received. New overdue amounts, interest, credits or reclassifications may be involved. Without the details, I do not attribute these differences to a specific cause.

Total overdue funds stood at €3,241.62 on 7 October. The observation of 2 November 2026 shows €3,401.68, a difference of €160.06 from that day. This tracking helps show how much remained pending; it does not measure the final loss.

Late instalments are a different classification

The loans dashboard of 2 November 2026 shows €1,311.12 at 1–15 days late, €1,246.13 at 16–30 days and €630.60 at 31–60 days. Another €566.35 is in the grace period.

These are statuses of current investments. I do not add them directly to overdue funds because I have not checked possible overlaps. The portfolio guide explains the differences between balances.

How this wait fits my target

I’m looking for extra income each month. That is why both what has arrived and what remains under negotiation matter to me. Being able to withdraw cash—including the recent €150—does not resolve the wait in these cases.

The statements record €46.43 in late-payment interest from January 2025 through 2 November 2026. This category does not identify which company each payment relates to, so I do not assign it to Nera or FintechFinance.

My results brings together income and the account overview. In my withdrawals I describe the other side of liquidity: the cash I was able to withdraw.