Income Marketplace Review


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 Marketplace (peer-to-business)
Originator Types Loan Originators
Investing Into Consumer Loans
HQ Country country image Estonia


Interest Rates 7.00% – 15.00%
Number of Originators 8
Number of Countries 8
Currencies EUR
Minimum Investment 10 EUR


Average Net Return 11.81%
Total Loans Funded 19,670,323 EUR
Loans Outstanding 5,748,050 EUR
Loans Current 3,264,157 EUR
Loans Late 2,234,917 EUR
Loans 1 To 15 Days Late 0 EUR
Loans 16 To 30 Days Late 1,563,203 EUR
Loans 31 To 60 Days Late 0 EUR
Loans 60 Plus Days Late 671,714 EUR
Loans Defaulted (In Recovery) n/a
Loans Defaulted (Recovered) 230,795 EUR
Loans Defaulted (Written Off) n/a
Investors 3,865
Average Amount Per Investor n/a
Principal Returned n/a
Interest Earned n/a
Late Fees Earned n/a


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.

Available as: Manual Investing
Secondary Market
Not available
Instant Cash-Out
Not available

Risk & Security

Buyback Guarantee
Not available
Payment Guarantee
Not available
Rating System
Not available
Due Diligence
Skin in the Game
Available as: Junior Share
Collaterals n/a
Maximum Loan To Value (LTV) n/a

Income Marketplace – is it a match?

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