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Income Marketplace was launched in 2020. Since then, it has not only attracted almost 4000 investors. Also, the marketplace grew its offer of consumer loans from nine loan originators in Europe, Asia and Latin America. Interest rates have been raised to an attractive maximum of 15% yield per year. A unique feature of Income Marketplace compared to other P2P platforms is the way the involve loan originators in the investment process: through lending companies taking higher risks in form of "junior shares". What does that mean? When a loan defaults, Income invetors hold the senior share, compared to the loan originators that hold the junior shares. In case of default, senior shares are paid back first before junior shares. This distribution of risk provides more security to the invetors. Other platforms usually only require loan originators to have skin in the game. Other security features are the buyback obligation for loan originators, in case a loan is later than 60 days. Finally, Income takes a part of the loan portfolio of a loan originator as a collateral as "Cashflow Buffer".

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Key Facts

Investment Structures

Income Marketplace Marketplace (peer-to-business)

Originator Types

Income Marketplace Loan Originators

Investing Into

Income Marketplace Consumer Loans

HQ Country

Income Marketplace country image Estonia

Investments

Interest Rates

Income Marketplace 7.00% – 15.00%

Number of Originators

Income Marketplace 8

Number of Countries

Income Marketplace 8

Currencies

Income Marketplace EUR

Minimum Investment

Income Marketplace 10 EUR

Statistics

Average Net Return

Income Marketplace 11.81%

Total Loans Funded

Income Marketplace 20m EUR

Loans Outstanding

Income Marketplace 6m EUR

Loans Current

Income Marketplace 3m EUR

Loans Late

Income Marketplace 2m EUR

Loans 1 To 15 Days Late

Income Marketplace 0 EUR

Loans 16 To 30 Days Late

Income Marketplace 2m EUR

Loans 31 To 60 Days Late

Income Marketplace 0 EUR

Loans 60 Plus Days Late

Income Marketplace 672k EUR

Loans Defaulted (In Recovery)

Income Marketplace n/a

Loans Defaulted (Recovered)

Income Marketplace 231k EUR

Loans Defaulted (Written Off)

Income Marketplace n/a

Investors

Income Marketplace 3,865

Average Amount Per Investor

Income Marketplace n/a

Principal Returned

Income Marketplace n/a

Interest Earned

Income Marketplace n/a

Late Fees Earned

Income Marketplace n/a

Loan Originators Statistics new

Income Marketplace n/a

Features

Auto-Invest

Income Marketplace

Available as: Automated Investing

The autoinvest feature of Income Marketplace is quite comprehensive, offering a variety of filters for configuration: Maximum portfolio size, loan amount, interest rate, remaining term, loan type, country, loan originator, loan status, exclusion of extendable loans, available amount, inclusion of loans already invested in.

Manual-Invest

Income Marketplace

Available as: Manual Investing
Instant Cash-Out

Income Marketplace

Not available
Secondary Market

Income Marketplace

Not available

Risk & Security

Buyback Guarantee

Income Marketplace

Not available
Payment Guarantee

Income Marketplace

Not available
Rating System

Income Marketplace

Not available
Due Diligence

Income Marketplace

Available
Skin in the Game

Income Marketplace

Available as: Junior Share

Collaterals

Income Marketplace n/a

Maximum Loan To Value (LTV)

Income Marketplace n/a

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