{"id":15216,"date":"2021-02-10T06:00:00","date_gmt":"2021-02-10T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/income-marketplace-experiences-2023-360-degree-analysis-and-evaluation\/"},"modified":"2026-09-28T17:49:50","modified_gmt":"2026-09-28T15:49:50","slug":"income-marketplace-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/","title":{"rendered":"Income Marketplace Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Income Marketplace is an unregulated P2P marketplace headquartered in Estonia, on which investors can invest in buyback-secured loans and earn a return of up to 15%.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is operated by the Estonian company Income Company O\u00dc, which was founded in July 2020. The platform itself launched operations in January 2021.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Income Marketplace stands out with a high standard of loan originator due diligence. Key security features include the Junior Share and the Cashflow Buffer. Less than 1% of assets under management are currently in recovery.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The combination of loan portfolio quality, high transparency and competitive interest rates makes Income Marketplace one of the most attractive options in the P2P lending market.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ac023af34f70 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ac023af34f70 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ac023af34f70 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ac023af34f70 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ac023af34f70 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ac023af34f70{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ac023af34f70:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ac023af34f70 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ac023af34f70 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ac023af34f70\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Marketplace\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:84%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(4.2)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 1% cashback on the weighted average investment amount during the first 30 days after registration. The bonus is capped at \u20ac500 and is credited 40 days after registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ac023af34f70\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-income\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am invested with my own funds at Income since April 2022. Since then, I achieved a total return (XIRR) of 12,87%. My outstanding portfolio on the platform stands at 25.799 \u20ac.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>What is <\/strong><span style=\"color: #000000;\"><strong>Income Marketplace?<\/strong><\/span><\/h2>\r\n<p><strong><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-income\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11244 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Logo.jpg\" alt=\"income-marketplace-logo\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11244 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Logo.jpg\" alt=\"income-marketplace-logo\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/strong><\/p>\r\n<p>Income Marketplace is an Estonia-based P2P lending platform that launched in January 2021. Since then, investors have been able to invest with a variety of international loan originators and earn returns of up to 15%.<\/p>\r\n<p>What stands out in particular is Income\u2019s positioning as the supposedly safest P2P platform for investing in loans. This is due to new and innovative security features such as the Junior Share and the Cashflow Buffer, which differentiate from the traditional buyback guarantee approach.<\/p>\r\n<p>Although Income Marketplace has already faced some challenges with certain loan originators, the overall portfolio quality can be assessed as very strong. To date, investors have not incurred any losses, and the debt collection rate remains below 1%.<\/p>\r\n<p>Combined with competitive interest rates, as well as a high level of transparency and communication, Income Marketplace is one of the best alternatives in the current P2P lending landscape.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Income Marketplace at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Income Marketplace at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>July 2020 \/ January 2021<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Income Company O\u00dc (<a href=\"https:\/\/ariregister.rik.ee\/est\/company\/16014116\/Income-Company-O%C3%9C?search_id=b1e930a&amp;pos=1\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Tallinn, Estonia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><strong><a href=\"https:\/\/www.linkedin.com\/in\/lavrenti-tsudakov-200838ab\/\" target=\"_blank\" rel=\"noopener\">Lavrenti Tsudakov<\/a><\/strong> (October 2023)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 31.1+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>11,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>13.8%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>6.2 \/ 10 (Rank 11 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee (60 Days)<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<p>For those who prefer watching over reading, take a look at my Income Marketplace video review (November 2024):<\/p>\r\n<p><iframe loading=\"lazy\" title=\"Income Marketplace Review | Top 5 P2P Platform in 2024 (Here&#039;s why!)\" width=\"810\" height=\"456\" data-src=\"https:\/\/www.youtube.com\/embed\/aukhiUabV6M?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\r\n<h3><span style=\"color: #000000;\">The Origin Story<\/span><\/h3>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22187 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png\" alt=\"Income-Marketplace-Review-Founder-Kimmo-Rytkonen\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22187 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png\" alt=\"Income-Marketplace-Review-Founder-Kimmo-Rytkonen\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Grunder-Kimmo-Rytkonen-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/span><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"><a href=\"https:\/\/www.linkedin.com\/in\/kimmo-rytkonen\/\" target=\"_blank\" rel=\"noopener\"><strong>Kimmo Rytk\u00f6nen<\/strong><\/a><\/span> has been working in the international lending business since 2011. Among other jobs, he was the founder of the Polish lender Aasa Polska, which was also represented on Mintos at the time.<\/p>\r\n<p>Kimmo has not only gained a lot of experiences from the lender side, but also as a private investor on <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener\"><strong>various P2P platforms<\/strong><\/a>. He experienced first-hand how little investors were protected after the outbreak of the coronavirus pandemic and how problems and weaknesses of some P2P platforms have been exposed.<\/p>\r\n<p>Kimmo subsequently took these events as an opportunity to build a new P2P marketplace with additional security features according to his own ideas and standards. In July 2020, he founded the company &#8220;Income Company O\u00dc&#8221;, which marks the origin of Income Marketplace.<\/p>\r\n<h3>Business Model<\/h3>\r\n<p>Income Marketplace follows a P2P lending marketplace model. The platform acts as an intermediary between investors seeking a return on their capital and loan originators who list their assets on the platform for financing.<\/p>\r\n<p>Unlike the &#8220;classic&#8221; P2P model, where the platform also assesses individual borrowers, Income focuses primarily on acquiring financially sound fintech companies that require loan financing to scale their business model.<\/p>\r\n<p>As a marketplace, Income monetises primarily through a platform fee charged to loan originators for financing their assets on the platform. This fee ranges between 2% and 4% of the outstanding loan portfolio and is calculated on the basis of a daily balance. According to the 2025 annual report, Income Marketplace generated revenue of approximately EUR 693,261 through this model.<\/p>\r\n<h3>Income Marketplace On-Site Visit<\/h3>\r\n<p>There have been two in-person visits to Income Marketplace in Tallinn: In September 2022 and in June 2024. During the first visit, I had the opportunity to meet Income founder Kimmo Rytk\u00f6nen and a large part of the team. The second visit marked my first meeting with the new CEO Lavrenti Tsudakov, who left a very competent and professional impression.<\/p>\r\n<p>The conversations centred around the handling of underperforming loan originators, the assessment of loan portfolios on the balance sheet and the platform&#8217;s further growth strategy. Following the meeting, a podcast episode was recorded to mark the milestone of EUR 100 million in financed loans. The conversation can be watched <a href=\"https:\/\/youtu.be\/i5K_ey0jOnw?si=egc8pbLqGn0yohK2\"><strong>here<\/strong><\/a>.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Income Marketplace News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Income Marketplace on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">21. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/current-auto-lv-exits-income-marketplace\/\" onclick=\"event.stopPropagation()\">Current Auto LV Exits Income Marketplace<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>The lender Current Auto has exited Income Marketplace with its Latvian entity. All loans issued by Current Auto LV were bought back on September 18, including all accrued interest. Hence, there are currently no outstanding positions remaining.<\/p>\n<p>Its Lithuanian sister company, Current Auto LT, will remain on the platform and is expected to become the main focus going forward.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/getincome.com\/blog\/current-auto-lv-is-exiting-the-income-platform\/\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">18. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/danakredi-revenue-and-profit-more-than-halved\/\" onclick=\"event.stopPropagation()\">DanaKredi: Revenue and Profit More Than Halved<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Income Marketplace lender DanaKredi (formerly DanaRupiah) has published its figures for 2025. For context, this is a one-page consolidated statement explicitly labeled as unaudited. There is no auditor's report, no notes to the accounts, and no indication of the accounting standard used.<\/p>\n<p>According to the figures, the company's financial performance more than halved. Revenue fell from \u20ac25 million to \u20ac10.9 million, while profit declined from \u20ac13.8 million to \u20ac4.3 million. Receivables decreased from \u20ac49.1 million to \u20ac29.9 million, while cash on hand fell from \u20ac3.8 million to \u20ac2.1 million. The marketing budget was also cut substantially, from \u20ac2.6 million to \u20ac0.4 million, while administrative expenses increased slightly.<\/p>\n<p>The balance-sheet figures look solid at first glance. The equity ratio increased from 68.2% to 74.4%, the debt ratio fell from 0.47 to 0.34, and liquidity remained almost unchanged at 3.00 (3.13 in 2024). However, these improvements are not the result of stronger operating performance, but rather due to a decreasing balance sheet. The document contains no information on loan defaults.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/09\/Danakredi-FS-Consolidation-Jan-Dec-2025-Group.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">26. August 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/one-leasing-parent-company-takes-over-guarantee\/\" onclick=\"event.stopPropagation()\">One Leasing: Parent Company Takes Over Guarantee<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>After being introduced on August 10, Income Marketplace has now communicated a structural change for their new loan originator One Leasing. According to the announcement, the parent company, Virtus Invesco Partners LLC, has signed a guarantee declaration covering One Leasing's obligations towards Income and its investors.<\/p>\n<p>The guarantee covers the underlying loan agreements, including buyback obligations, cashback commitments, and fees. It is intended to be unconditional, meaning Virtus can be directly required to make payments without first exhausting collection attempts against One Leasing. Following a valid claim, payment is due within five business days. The guarantee is also intended to remain in effect in the event of One Leasing's insolvency or restructuring.<\/p>\n<p>Income itself notes that the practical value of such a guarantee depends on the financial strength of the guarantor. Reliable financial figures for the parent company have not yet been made publicly available.<\/p>\n<\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Income Marketplace? Let&#8217;s have a look!<\/p>\r\n<h3><strong>Income Marketplace <\/strong><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22190 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png\" alt=\"Income-Marketplace-Review-Ownership\" width=\"500\" height=\"288\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-300x173.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-768x443.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/288;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-22190\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png\" alt=\"Income-Marketplace-Review-Ownership\" width=\"500\" height=\"288\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-300x173.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Gesellschafter-Income-Marketplace-Review-Ownership-768x443.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Who owns Income Marketplace? The P2P marketplace is operated by the company &#8220;Income Company \u00d6U&#8221;, which was entered in the Estonian company register on 22 July 2020.<\/p>\r\n<p>Due to a larger field of founding members and an interim fundraising round at SeedBlink, the ownership structure is broadly diversified.<\/p>\r\n<p>The main shareholders include:<\/p>\r\n<ul>\r\n<li>The German Dr. Karl Hauptmann owns 39.86% of the shares. He is the chairman of a large private equity group from Berlin and was one of the platform&#8217;s first supporters.<\/li>\r\n<li>The Finn Kimmo Rytk\u00f6nen holds 17.44% of the shares through his company &#8220;KJ Holdings O\u00dc&#8221;. He is the face of the platform. He was also CEO of Income Marketplace until October 2023.<\/li>\r\n<li>The Estonian Meliina R\u00e4ty owns 9.59% of the shares through her company &#8220;MR Holdings O\u00dc&#8221;. She was one of the co-founders of Income. Her time as COO ended at the end of 2021.<\/li>\r\n<\/ul>\r\n<p>The remaining shares are distributed among the other founding team, angel investors, private equity firms and smaller private investors who have secured shares in the company via SeedBlink.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Income Marketplace Management<\/strong><\/span><\/h3>\r\n<p><span style=\"color: #ff0000;\"><span style=\"color: #000000;\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-18058 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png\" alt=\"Income-Marketplace-Review-CEO\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-70x70.png 70w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-18058 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png\" alt=\"Income-Marketplace-Review-CEO\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO.png 400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Income-Marketplace-Review-CEO-70x70.png 70w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a>Since October 2023, <\/span><\/span>Estonian <strong><a href=\"https:\/\/www.linkedin.com\/in\/lavrenti-tsudakov-200838ab\/\" target=\"_blank\" rel=\"noopener\">Lavrenti Tsudakov<\/a><\/strong> is CEO of Income Marketplace. He had already worked previously for the platform since June 2021. At Income, he was employed as COO, which is why he should have a good understanding about the operational challenges in the day-to-day business.<\/p>\r\n<p>Income founder Kimmo Rytk\u00f6nen, who has been CEO of the platform since its inception, is now focusing more on the strategic challenges at Income Marketplace. These include the onboarding of new lenders, the licensing process for becoming a regulated P2P platform and the company&#8217;s next funding round.<\/p>\r\n<hr \/>\r\n<h2>Sign Up and Bonus<\/h2>\r\n<p>To invest on Income Marketplace, investors must meet three requirements:<\/p>\r\n<ul>\r\n<li>A minimum age of 18 years,<\/li>\r\n<li>a residence in the European Economic Area<\/li>\r\n<li>and a European bank account.<\/li>\r\n<\/ul>\r\n<p>The registration process at Income is fairly simple and intuitive. After opening the account via email, the KYC and AML questionnaires have to be completed, followed by the identity verification through Veriff.<\/p>\r\n<p>Also legal entities have the opportunity to sign up on Income Marketplace.<\/p>\r\n<h3>Income Marketplace Bonus<\/h3>\r\n\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2>Investing on Income Marketplace<\/h2>\r\n<p>How does Income Marketplace work and what should investors know and consider when investing on the plaform? In the following sections of my Income Marketplace review you will find all the necessary information that you need.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11264 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg\" alt=\"income-marketplace-review-investing\" width=\"800\" height=\"242\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-300x91.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-768x232.jpg 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/242;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11264 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg\" alt=\"income-marketplace-review-investing\" width=\"800\" height=\"242\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise.jpg 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-300x91.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Funktionsweise-768x232.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p>There are a variety of international lenders on Income. These are geographically spread across the regions of Europe, South America and South East Asia. Below is a brief overview of the largest and most important lenders on Income Marketplace.<\/p>\r\n<ul>\r\n<li><strong>DanaKredi:<\/strong> The Indonesian lender has been with Income since December 2021 and is one of the largest cornerstones of the platform. The assets have a maximum term of six months and offer above-average interest rates of up to 15%. More information in my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-danarupiah\/\" target=\"_blank\" rel=\"noopener\">DanaKredi review<\/a><\/strong>.<\/li>\r\n<li><strong>ITF Group:<\/strong> The ITF Group, founded 2012 in Bulgaria, has been financing some of its assets via Income since July 2022. The short-term consumer and instalment loans have interest rates of up to 15% and terms of up to 24 months.<\/li>\r\n<li><b>Ibancar:<\/b> Since 2017, the Spanish-based lender has already been on a number of different P2P lending platforms. Even in times of crisis, there have never been any problems with repayments. The instalment loans have an interest rate of up to 12.5% with terms of up to 37 months.<\/li>\r\n<li><strong>Hoovi:<\/strong> The Estonian lender primarily offers instalment loans between 10% and 12%. An integral part of Income Marketplace since May 2022.<\/li>\r\n<li><b>Sandfield Capital:<\/b> The UK-based and FCA-regulated lender offers financing for civil litigation, which is covered by an external insurance. Interest rates of up to 13.5% and terms of up to 24 months.<\/li>\r\n<li><strong>Virtus Lending:<\/strong> The Kosovo-based lender finances leasing loans for used cars and traditional consumer loans. The loan terms range from 3 to 84 months, with interest rates of between 10% and 12%.<\/li>\r\n<li><strong data-start=\"44\" data-end=\"58\">Simpleros:<\/strong> The Spain-based loan originator offers short-term consumer loans of up to 30 days and installment loans of up to 90 days. Interest rates are around 13%. Active on Income Marketplace since September 2025.<\/li>\r\n<li><strong>Autofino:<\/strong> The Lithuanian company, founded in 2018, specializes in used vehicle rentals with a purchase option. On the Income marketplace, car loans are offered with an annual return of 11%. All listed loans come with a buyback guarantee. The loan terms range from 12 to 72 months.<\/li>\r\n<\/ul>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-24411 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png\" alt=\"Income-Marketplace-Review-Loan-Originator\" width=\"1000\" height=\"546\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-300x164.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-768x419.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/546;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-24411\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png\" alt=\"Income-Marketplace-Review-Loan-Originator\" width=\"1000\" height=\"546\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-300x164.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/11\/Income-Marketplace-Erfahrungen-Kreditgeber-Income-Marketplace-Review-Loan-Originator-Income-Marketplace-Opiniones-768x419.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The lenders represented on Income Marketplace offer a wide variety of loan types, maturities and interest rates for investors.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Costs and Fees<\/strong><\/span><\/h3>\r\n<p>There are no fees or hidden costs for retail investors on Income Marketplace. Neither for deposits or withdrawals, nor for the functionalities when investing on the platform.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22215 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png\" alt=\"Income-Marketplace-Review-Costs-Fees\" width=\"800\" height=\"149\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-300x56.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-768x143.png 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/149;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22215\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png\" alt=\"Income-Marketplace-Review-Costs-Fees\" width=\"800\" height=\"149\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees.png 800w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-300x56.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Review-Costs-Fees-768x143.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/noscript><\/a><\/p>\r\n<p>If you want to earn a passive income by investing in private consumer loans, you don&#8217;t have to worry about additional costs at Income that would reduce the advertised return.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p>The overall return expectation on Income Marketplace largely depends on the selection and performance of the individual loan originators. In general, interest rates can be set by the lenders themselves, although the platform has capped the maximum rate at 15%.<\/p>\r\n<p>My personal investment with Income Marketplace goes back to April 2022. During this time, I have built an outstanding P2P portfolio of more than EUR 25,000, achieving a total return of 13.24%. This represents a very competitive return within the P2P lending space.<\/p>\r\n<p>In addition to the high interest rates, portfolio quality plays a pivotal role. Historically, the debt collection rate on Income Marketplace has never exceeded 2%, providing the foundation on which the achieved returns are built.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\">Auto Invest<\/span><\/h3>\r\n<p>On Income Marketplace, investors have the opportunity to invest manually in loans as well as through an Auto Invest feature.\u00a0<\/p>\r\n<p>With the Income Auto Invest, individual lenders can be selected as well as the borrower countries, the term of the loans, the interest rates, the investment amount, the loan type or the loan status. In addition, there are even more advanced filter options, where you can also filter by the total loan amount or the remaining loan amount, among other things.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18230 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png\" alt=\"Income-Marketplace-Review-Auto-Invest\" width=\"1000\" height=\"541\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-300x162.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-768x415.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/541;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18230\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png\" alt=\"Income-Marketplace-Review-Auto-Invest\" width=\"1000\" height=\"541\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-300x162.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Auto-Invest-768x415.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The minimum investment amount per loan is currently EUR 10, which is common practice for most platforms.<\/p>\r\n<p>Income Marketplace does not (yet) have a secondary market. The marketplace plans to introduce this functionality in the future though.<\/p>\r\n<hr \/>\r\n<h2><strong>Income Marketplace Taxes<\/strong><\/h2>\r\n<p>Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration. Unlike other platforms, Income Markeplace does not withhold any taxes at the moment.<\/p>\r\n<p>For the tax declaration, investors can find an overview in the dashboard where a tax report for the respective year can be downloaded. This information can then be forwarded to the respective tax office as part of a tax declaration.<\/p>\r\n<hr \/>\r\n<h2>Income Marketplace Risks<\/h2>\r\n<p>Investors should look very carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Income Marketplace? Where are the underlying risks and how are they assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The Income platform, operated by the Estonian company &#8220;Income Company O\u00dc&#8221;, launched its operations in January 2021. Since then, the platform has consistently met its obligations towards investors.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 11 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">6.2<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:40%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">8 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:80%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">20 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:76%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">19 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<p>Currently, no legal or regulatory framework exists in Estonia that would apply to Income Marketplace&#8217;s business model. As a result, the platform is not subject to any supervision or oversight by a financial authority. This also means that there is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards. While this provides more operational flexibility, it also means less protection for investors.<\/p>\r\n<p>Financial reports are published on a regular basis, though they are not audited by a major accounting firm. To date, the platform has not yet reached profitability and remains dependent on capital contributions from its shareholders or external funding rounds. According to the main shareholder, there is a commitment to continue supporting the platform&#8217;s growth for the foreseeable future.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Investor funds at Income Marketplace are held in separate B2C accounts through Verifo and are therefore fully segregated from the platform&#8217;s own operating funds. Verifo is a licensed e-money institution based in Lithuania.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<h4 data-pm-slice=\"1 1 []\">Income Insights Podcast<\/h4>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18242 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png\" alt=\"Income-Marketplace-Review-Income-Insights-Podcast\" width=\"400\" height=\"400\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-768x768.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-70x70.png 70w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/400;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18242\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png\" alt=\"Income-Marketplace-Review-Income-Insights-Podcast\" width=\"400\" height=\"400\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-768x768.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/11\/Income-Marketplace-Erfahrungen-Income-Insights-70x70.png 70w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a><\/p>\r\n<p>Since its inception, Income Marketplace has stood out for its high level of transparency and open communication.<\/p>\r\n<p>This includes the \u201cIncome Insights\u201d podcast, launched in November 2023, which aims to keep investors better informed about the P2P platform and the developments of individual lenders.<\/p>\r\n<p>The main guest is Income founder Kimmo Rytk\u00f6nen, though other team members and lenders active on the platform also participate.<\/p>\r\n<p>Due to my long-standing history with the company and close exchange with the involved parties, I was asked to host the new format. My approach is to critically examine the platform\u2019s developments and provide investors with a realistic insight into the marketplace\u2019s challenges.<\/p>\r\n<p>The Income Insights podcast is available on all major streaming platforms as well as on the platform\u2019s <a href=\"https:\/\/www.youtube.com\/@incomemarketplace4497\" target=\"_blank\" rel=\"noopener\"><strong>YouTube channel<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Income Marketplace able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/06\/Aruanne_16014116-EN.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tIncome Company O\u00dc \u2013 Annual Report 2025\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-yellow\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m9 12 2 2 4-4\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Estonian GAAP<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">Local standard, not internationally comparable.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<h4><span style=\"color: #000000;\"><strong>Profitability<\/strong><\/span><\/h4>\r\n<p>Income Marketplace is currently not profitable. A look at the latest annual report reveals that the company closed 2025 with a loss of EUR <span style=\"color: #000000;\">437,981<\/span>.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-35264 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png\" alt=\"\" width=\"1200\" height=\"454\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-300x114.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-1024x387.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-768x291.png 768w\" data-sizes=\"(max-width: 1200px) 100vw, 1200px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1200px; --smush-placeholder-aspect-ratio: 1200\/454;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-35264\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png\" alt=\"\" width=\"1200\" height=\"454\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026.png 1200w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-300x114.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-1024x387.png 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-Marketplace-Erfahrungen-Profitabilitat-Income-Marketplace-Review-Profitability-Income-Marketplace-Opiniones-Rentabilidad-Income-Marketplace-Avis-2026-768x291.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/noscript><\/a><\/p>\r\n<p>According to current projections, the company plans to reach breakeven on a monthly basis by the end of 2025. To achieve this, Income requires assets under management of approximately EUR 30 million. Until profitability is reached through its own funds, the platform&#8217;s shareholders are willing to finance further growth with equity.<\/p>\r\n<hr \/>\r\n<h3>Lender Risk<\/h3>\r\n<p>Income Marketplace markets itself as the \u201csafest platform for investing in loans.\u201d The platform emphasizes safety features such as the \u201cJunior Shares\u201d and the \u201cCashflow Buffer.\u201d The question for investors is whether these are merely marketing claims or whether they represent genuine, innovative security mechanisms that effectively reduce risk.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-11255 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg\" alt=\"income-marketplace-review-2024-safety\" width=\"810\" height=\"200\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-300x74.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-768x189.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten.jpg 1524w\" data-sizes=\"(max-width: 810px) 100vw, 810px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 810px; --smush-placeholder-aspect-ratio: 810\/200;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-large wp-image-11255\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg\" alt=\"income-marketplace-review-2024-safety\" width=\"810\" height=\"200\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-1024x253.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-300x74.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten-768x189.jpg 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Sicherheiten.jpg 1524w\" sizes=\"(max-width: 810px) 100vw, 810px\" \/><\/noscript><\/a><\/p>\r\n<h4><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Buyback Obligation<\/strong><\/span><\/h4>\r\n<p>Income Marketplace offers a traditional buyback guarantee, which functions similarly to those on other P2P platforms. If a loan is more than 60 days overdue, the lender is obliged to repurchase it, reimbursing both principal and accrued interest.<\/p>\r\n<p>As is often the case, investors should keep in mind that a guarantee is only as reliable as the financial strength of the issuer providing it.<\/p>\r\n<h4>Junior Shares<\/h4>\r\n<p>The Junior Shares are a modified version of the common &#8220;skin in the game&#8221; concept. The general assumption is that lenders should be similarly motivated to collect the debt in the event of default. Both parties, investors and lenders, are equal in this case.<\/p>\r\n<p>Junior Shares on Income Marketplace differ as far as the lender&#8217;s &#8220;skin in the game&#8221; share is registered as a junior debt. This means that lenders, in the scenario of a default, have a lower repayment priority. Only when all outstanding receivables from the investors have been repaid in full, the lender has the option of get back his share. Accordingly, investors enjoy a preferential treatment in the event of default.<\/p>\r\n<p>For the execution, special-purpose vehicles (SPVs) have been created, ensuring that borrower repayments are directly under the control of Income Marketplace. Lenders are also required to transfer their individual portion of the Junior Shares into this structure.<\/p>\r\n<h4><span style=\"color: #000000;\">Cashflow Buffer<\/span><\/h4>\r\n<p>At Income Marketplace, the junior share is intended in particular to hedge the risk of default by borrowers and to encourage lenders to work to the best of their ability. The cashflow buffer, on the other hand, is designed to address the risk of a potential lender default.<\/p>\r\n<p>The cashflow buffer is made up of several aspects. It is a combination of:<\/p>\r\n<ul>\r\n<li>Loan profitability of the lender loan portfolio<\/li>\r\n<li>Risk adjustment on the part of Income Marketplace<\/li>\r\n<li>The Junior Share<\/li>\r\n<\/ul>\r\n<p>In reality, the way it works is that Income Marketplace looks at the quality of the lenders&#8217; loan portfolio and calculates how much money those loans make on a portfolio basis (see &#8220;historical repayment coefficient&#8221; in the chart) and how profitable they are. This determines the value of the collateral, similar to how it works with mortgage loans.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11262 size-full lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png\" alt=\"income-marketplace-review-cashflow-buffer\" width=\"768\" height=\"572\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer-300x223.png 300w\" data-sizes=\"(max-width: 768px) 100vw, 768px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 768px; --smush-placeholder-aspect-ratio: 768\/572;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-11262 size-full\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png\" alt=\"income-marketplace-review-cashflow-buffer\" width=\"768\" height=\"572\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer.png 768w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Income-Marketplace-Erfahrungen-Cashflow-Buffer-300x223.png 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/noscript><\/a><\/p>\r\n<p>After potential risk factors such as currency fluctuations, pandemics, or other value-reducing aspects are taken into account, the P2P marketplace calculates how many Junior Shares are needed to fully protect investors in a problem scenario. For this reason, the Junior Shares held by lenders\u2014averaging 20% to 35%\u2014are significantly higher than the classic &#8220;Skin in the Game&#8221; portion, which usually ranges from 5% to 10%.<\/p>\r\n<hr \/>\r\n<h3>Lender Risk<\/h3>\r\n<p>Regardless of the platform\u2019s own assessment, investors should independently examine the risk profile of each lender. For an evaluation of financial stability, the following table provides an overview of the current financial figures. You can check out the <a href=\"https:\/\/rethink-p2p.de\/en\/loan-originators\/\" target=\"_blank\" rel=\"noopener\"><strong>lender overview and comparison page<\/strong><\/a> for additional information regarding applied KPIs and their interpretation.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Lender<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Year<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audited<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>Equity<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidity<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Losses<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"virtus xk\">Virtus (XK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/05\/Virtus-Lending-L.L.C-Auditors-Report-and-Financial-Statements-2025-IFRS-compressed.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"bdo\">BDO<\/td><td class=\"stark\" data-sort=\"372478\">EUR 372K<\/td><td class=\"stabil\" data-sort=\"3.3\">3.3%<\/td><td class=\"risiko\" data-sort=\"11.4\">11.4%<\/td><td class=\"kritisch\" data-sort=\"0.46\">0.46<\/td><td class=\"stark\" data-sort=\"2.6\">2.6%<\/td><td class=\"stabil\" data-sort=\"75\">75<\/td><\/tr><tr><td data-sort=\"autofino lt\">Autofino (LT)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/10\/2024-Greiti-autosprendimai-FA-su-is%CC%8Cvada-paras%CC%8Cams-Rokas-Ignotas.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"crowe\">Crowe<\/td><td class=\"stark\" data-sort=\"51180\">EUR 51K<\/td><td class=\"mittel\" data-sort=\"1.5\">1.5%<\/td><td class=\"mittel\" data-sort=\"15.8\">15.8%<\/td><td class=\"risiko\" data-sort=\"0.77\">0.77<\/td><td class=\"stabil\" data-sort=\"9.6\">9.6%<\/td><td class=\"mittel\" data-sort=\"67\">67<\/td><\/tr><tr><td data-sort=\"danakredi id\">DanaKredi (ID)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/09\/Danakredi-FS-Consolidation-Jan-Dec-2025-Group.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"4109049\">EUR 4.1M<\/td><td class=\"stark\" data-sort=\"9.4\">9.4%<\/td><td class=\"stark\" data-sort=\"74.4\">74.4%<\/td><td class=\"stark\" data-sort=\"3\">3.00<\/td><td class=\"\"><\/td><td class=\"mittel\" data-sort=\"59\">59<\/td><\/tr><tr><td data-sort=\"itf group bg\">ITF Group (BG)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/05\/ITF-Group-_FS-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"3151092\">EUR 3.2M<\/td><td class=\"stark\" data-sort=\"12.5\">12.5%<\/td><td class=\"stabil\" data-sort=\"30.7\">30.7%<\/td><td class=\"stark\" data-sort=\"3.06\">3.06<\/td><td class=\"kritisch\" data-sort=\"38.5\">38.5%<\/td><td class=\"mittel\" data-sort=\"59\">59<\/td><\/tr><tr><td data-sort=\"simpleros es\">Simpleros (ES)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/08\/20250725_Simpleros_report_2025Q2-Santa-Lemsa.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"200762\">EUR 201K<\/td><td class=\"stark\" data-sort=\"12.3\">12.3%<\/td><td class=\"stabil\" data-sort=\"31.3\">31.3%<\/td><td class=\"stark\" data-sort=\"2.28\">2.28<\/td><td class=\"kritisch\" data-sort=\"56.2\">56.2%<\/td><td class=\"mittel\" data-sort=\"59\">59<\/td><\/tr><tr><td data-sort=\"hoovi ee\">Hoovi (EE)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/10\/Aruanne_16020217-8.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"661523\">EUR 662K<\/td><td class=\"stark\" data-sort=\"9.9\">9.9%<\/td><td class=\"risiko\" data-sort=\"12.1\">12.1%<\/td><td class=\"risiko\" data-sort=\"0.54\">0.54<\/td><td class=\"stabil\" data-sort=\"12.3\">12.3%<\/td><td class=\"mittel\" data-sort=\"58\">58<\/td><\/tr><tr><td data-sort=\"ibancar es\">Ibancar (ES)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/05\/Ibancar_FY2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stark\" data-sort=\"730000\">EUR 730K<\/td><td class=\"stabil\" data-sort=\"3.4\">3.4%<\/td><td class=\"risiko\" data-sort=\"14.6\">14.6%<\/td><td class=\"\"><\/td><td class=\"stark\" data-sort=\"1\">1.0%<\/td><td class=\"mittel\" data-sort=\"57\">57<\/td><\/tr><tr><td data-sort=\"pinjam yuk id\">Pinjam Yuk (ID)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/04\/Surfin-and-Pinjam-Yuk-Financials-to-Get-Income_Apr-2026-Yang-Li.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"10553191\">EUR 10.6M<\/td><td class=\"stark\" data-sort=\"21.9\">21.9%<\/td><td class=\"stark\" data-sort=\"57\">57.0%<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"64.4\">64.4%<\/td><td class=\"risiko\" data-sort=\"52\">52<\/td><\/tr><tr><td data-sort=\"mocasa ph\">Mocasa (PH)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/03\/Mocasa-Financial-Statement_2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"kritisch\" data-sort=\"-166762\">EUR (167K)<\/td><td class=\"kritisch\" data-sort=\"-7\">(7.0%)<\/td><td class=\"stark\" data-sort=\"42.8\">42.8%<\/td><td class=\"stabil\" data-sort=\"1.5\">1.50<\/td><td class=\"kritisch\" data-sort=\"67.8\">67.8%<\/td><td class=\"risiko\" data-sort=\"46\">46<\/td><\/tr><tr><td data-sort=\"one leasing mk\">One Leasing (MK)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/07\/Audit-report-ONE-LEASING-2025-eng.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"stabil\" data-sort=\"russell bedford\">Russell Bedford<\/td><td class=\"kritisch\" data-sort=\"-129494\">EUR (129K)<\/td><td class=\"kritisch\" data-sort=\"-11.7\">(11.7%)<\/td><td class=\"kritisch\" data-sort=\"-12.5\">(12.5%)<\/td><td class=\"kritisch\" data-sort=\"0.06\">0.06<\/td><td class=\"kritisch\" data-sort=\"15\">15.0%*<\/td><td class=\"kritisch\" data-sort=\"32\">32<\/td><\/tr><tr><td data-sort=\"current auto lt\">Current Auto (LT)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/09\/Current-LT-FS-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"360491\">EUR 360K<\/td><td class=\"stabil\" data-sort=\"3.4\">3.4%<\/td><td class=\"kritisch\" data-sort=\"0\">0.0%<\/td><td class=\"kritisch\" data-sort=\"0.16\">0.16<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"27\">27<\/td><\/tr><tr><td data-sort=\"sandfield gb\">Sandfield (GB)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2026\/08\/Sanfield-2025.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"2382174\">EUR 2.4M<\/td><td class=\"stark\" data-sort=\"8.5\">8.5%<\/td><td class=\"kritisch\" data-sort=\"-0.7\">(0.7%)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"27\">27<\/td><\/tr><tr><td data-sort=\"current auto lv\">Current Auto (LV)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2025\/11\/2024_Current-SIA_LV.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"kritisch\" data-sort=\"-912854\">EUR (913K)<\/td><td class=\"kritisch\" data-sort=\"-19.4\">(19.4%)<\/td><td class=\"kritisch\" data-sort=\"-55.2\">(55.2%)<\/td><td class=\"mittel\" data-sort=\"1.08\">1.08<\/td><td class=\"kritisch\" data-sort=\"55.2\">55.2%*<\/td><td class=\"kritisch\" data-sort=\"24\">24<\/td><\/tr><tr class=\"kg-ns\"><td data-sort=\"danabijak id\">Danabijak (ID)<\/td><td data-sort=\"2023\"><strong><a href=\"https:\/\/getincome.com\/blog\/wp-content\/uploads\/2024\/05\/Final-Report-PT-DMI-2023-18042024-QC3-BOD-Opini.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2023<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"kreston\">Kreston<\/td><td class=\"stark\" data-sort=\"15943\">EUR 16K<\/td><td class=\"mittel\" data-sort=\"2.6\">2.6%<\/td><td class=\"mittel\" data-sort=\"21.4\">21.4%<\/td><td class=\"risiko\" data-sort=\"0.66\">0.66<\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p>The numbers for DanaKredi and Danabijak have been converted from IDR to EUR, as have the figures for the ITF Group from BNG to EUR.\u00a0<\/p>\r\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">Loan Originator Defaults<\/h4>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22208 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png\" alt=\"Income-Marketplace-Erfahrungen-Review-ClickCash\" width=\"494\" height=\"164\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png 494w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash-300x100.png 300w\" data-sizes=\"(max-width: 494px) 100vw, 494px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 494px; --smush-placeholder-aspect-ratio: 494\/164;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-22208 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png\" alt=\"Income-Marketplace-Erfahrungen-Review-ClickCash\" width=\"494\" height=\"164\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash.png 494w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/07\/Income-Marketplace-Erfahrungen-Review-ClickCash-300x100.png 300w\" sizes=\"(max-width: 494px) 100vw, 494px\" \/><\/noscript><\/a>In October 2022, the Brazilian loan originator ClickCash was <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/getincome.com\/blog\/clickcash-suspended-from-listings\/\">suspended from the platform<\/a><\/strong>. At the time of suspension, outstanding claims amounted to approximately EUR 180,000, while the cash flow from the pledged loan portfolio is reported to have been only around EUR 50,000. The case raises the question of why Income did not monitor the pledge rights more closely, which would have allowed for earlier detection of the problem.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Since the default, Income Marketplace has made twelve monthly repayments of EUR 5,000 each from its own funds. The remaining outstanding claims currently amount to approximately EUR 88,000 (as of June 2026).<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Income Marketplace.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2021<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Sustainably low default rate (&lt; 5%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> No capital losses for investors on the platform to date<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Returns:<\/strong> Competitive interest rates in the P2P lending market<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> No fees or costs for investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> No investment license or control by a financial supervisory authority<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> No secondary market or early exit option<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Profitability:<\/strong> Platform is currently not operating on a profitable level<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Summary Income Marketplace Review<\/strong><\/span><\/h2>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-21476 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png\" alt=\"Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"500\" height=\"290\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-300x174.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-768x445.png 768w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/290;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-21476 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png\" alt=\"Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"500\" height=\"290\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-300x174.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Income-Marketplace-Erfahrungen-P2P-Kredite-Reise-2024-1-768x445.png 768w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>What is the preliminary conclusion of this Income Marketplace review?<\/p>\r\n<p>Income Marketplace is an ambitious and innovative P2P platform from Estonia, which I have been closely monitoring since its inception. I have been actively investing on the platform since April 2022, during which time my portfolio has grown to over EUR 25,000 with a total performance exceeding 13%.<\/p>\r\n<p>The marketing as the &#8220;safest&#8221; platform for investing in loans may be somewhat too ambitious. Nevertheless, the track record so far is impressive: investors have not yet suffered any losses, and the default rate remains consistently below 1% of managed investor assets.<\/p>\r\n<p>Investors should, however, take note of the platform\u2019s lack of regulation and profitability. As such, Income Marketplace may not be suitable for highly conservative investors.<\/p>\r\n<p>Outside of these considerations, Income Marketplace presents a very attractive overall profile, combining excellent portfolio quality, high transparency, and competitive returns. For investors who value these features, Income Marketplace represents a strong alternative for their P2P portfolio.<\/p>\r\n\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Income Marketplace Alternatives<\/strong><\/span><\/h3>\r\n<p>Already invested in Income Marketplace? Or looking for similar platforms? Here are three Income Marketplace alternatives from the P2P market.<\/p>\r\n<p><strong>PeerBerry:<\/strong> A P2P marketplace incorporated in Croatia, working closely with partners from within the Aventus Group. Like Income Marketplace, PeerBerry stands out through a notably strong performance during times of crisis and a reliable repayment quality. Both platforms target investors that are looking for an attractive combination of high interest rates and high liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/peerberry-review\/\" target=\"_blank\" rel=\"noopener\"><strong>PeerBerry review<\/strong><\/a>.<\/p>\r\n<p><strong>Nectaro:<\/strong> A regulated P2P marketplace based in Latvia, operating under MiFID II regulations and backed by an internationally established group. Loans are primarily used to fund the lending operations of the parent company. Affiliated loan originators offer competitive interest rates and a solid track record. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/nectaro-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Nectaro review<\/strong><\/a>.<\/p>\r\n<p><strong>Mintos:<\/strong> The largest P2P platform in Europe with assets under management of 800+ million euros. Compared to Income Marketplace, Mintos offers a notably broader selection of international loan originators and asset classes, including loans, ETFs and bonds, within a regulated platform environment. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos review<\/strong><\/a>.<\/p>\r\n<p>You can find other Income Marketplace alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\">FAQ Income Marketplace Review<\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1649922817198\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 What is Income Marketplace?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Income Marketplace is an Estonia-based P2P marketplace operational since January 2021, where investors can invest in buyback-secured loans from international loan originators. Returns reach up to 15%. The platform markets itself through innovative security concepts such as the Junior Share and the Cashflow Buffer.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1649932232706\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Income Marketplace?<\/strong>\r\n<p class=\"schema-faq-answer\">Interest rates reach up to 15% depending on the loan originator, with a maximum cap set by the platform. My personal total return since April 2022 stands at 13.24%, with a portfolio of over \u20ac25,000 built up over this period.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1649932249187\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What are the Junior Share and the Cashflow Buffer?<\/strong>\r\n<p class=\"schema-faq-answer\">The Junior Share is a subordinated debt of the loan originator that is only repaid after all investor claims have been fully settled in case of default. The Cashflow Buffer analyses the profitability of the originator&#8217;s loan portfolio and determines how many Junior Shares are needed to fully protect investors. Both mechanisms go beyond a classic buyback guarantee.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1677516517677\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is Income Marketplace regulated?<\/strong>\r\n<p class=\"schema-faq-answer\">No. Income Marketplace is not supervised by any financial authority. There is also no deposit protection scheme. However, the recovery rate has historically remained below 1% of managed investor assets, and investors have not suffered any capital losses to date.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775039641481\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a bonus for signing up with Income Marketplace?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes. New investors registering via my partner link receive unlimited 1% cashback on all investments made within the first 30 days after registration.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36688,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Income Marketplace Review 2026: 13% Return since 2022!<\/title>\n<meta name=\"description\" content=\"Income Marketplace Review 2026: 13% Return since 2022! 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Returns reach up to 15%. The platform markets itself through innovative security concepts such as the Junior Share and the Cashflow Buffer.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1649932232706","position":2,"url":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1649932232706","name":"\u2705 What returns can I expect from Income Marketplace?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Interest rates reach up to 15% depending on the loan originator, with a maximum cap set by the platform. My personal total return since April 2022 stands at 13.24%, with a portfolio of over \u20ac25,000 built up over this period.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1649932249187","position":3,"url":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1649932249187","name":"\u2705 What are the Junior Share and the Cashflow Buffer?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The Junior Share is a subordinated debt of the loan originator that is only repaid after all investor claims have been fully settled in case of default. The Cashflow Buffer analyses the profitability of the originator's loan portfolio and determines how many Junior Shares are needed to fully protect investors. Both mechanisms go beyond a classic buyback guarantee.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1677516517677","position":4,"url":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1677516517677","name":"\u2705 Is Income Marketplace regulated?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Income Marketplace is not supervised by any financial authority. There is also no deposit protection scheme. However, the recovery rate has historically remained below 1% of managed investor assets, and investors have not suffered any capital losses to date.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1775039641481","position":5,"url":"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/#faq-question-1775039641481","name":"\u2705 Is there a bonus for signing up with Income Marketplace?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes. 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