Income Marketplace review 2023

Is Income Marketplace a great platform for P2P lending? Find out in our Income Marketplace review below:

Income Marketplace


  • Buyback guarantee on loans
  • Transparent about loan originators
  • No fees on the platform
  • Additional security layer compared to other platforms
  • Auto-invest feature


  • Limited diversification between only 5 loan originators
  • Short track record

Review summary:

Income Marketplace is a new Peer-to-Peer lending platform that aims to make P2P investing safer for investors. In addition to the very common buyback guarantee, the platform differs from its competition with loan originators only having a junior share of the loans, as well as having a cashflow buffer as an additional safety measure. The platform is overall very transparent and easy to invest in with the auto-invest feature. The main downside of Income Marketplace is the fact that the platform is still very new, which means that there are currently only five loan originators available on the platform to provide diversification for investors. 

It’s free to use the platform.

At, we strive to list only the absolute best companies in the P2P industry. Where appropriate, we also feature our partners. This doesn’t influence our evaluations. All opinions are our own.

Introduction to our Income Marketplace review

Are you considering investing via the Income Marketplace? Then read on. We’ve written this review to help investors determine if Income Marketplace is the right choice for them.

Below you will find an overview of the things that we will discuss more in detail in this Income Marketplace review. Simply click on the links to jump directly to the thing you want to know more about.

Learn about this in our Income Marketplace review: 

What is Income Marketplace?

Income Marketplace is a Peer-to-Peer lending platform from Tallinn, Estonia. The platform focuses on different types of P2P loans, including both consumer and business loans.

Income Marketplace review

The company behind Income Marketplace is called Income Company OÜ and was co-founded in 2020 by Kimmo Rytkönen, Mikk Läänemets, and Meliina Räty.

The platform was created with the goal to make investing in loans safer and more transparent. To achieve this goal, the company lets loan originators have junior shares, while investors on the platform have senior shares. Furthermore, they keep a cashflow buffer to protect investors in case of defaults – more on this later in the review.

With as little as €10, you can start investing on the platform at

Income Marketplace statistics:

Loan Type:Consumer
Loan Period:1 – 24 Months
Loans Funded:€ 62,899,000 +
Income Marketplace Users:6,572 +
Minimum Investment:€ 10
Maximum Investment:Unlimited
Income Marketplace Interest Rate:11.81%

How Income Marketplace works:

Income Marketplace has a two-sided business model. On the one hand, they have investors. And on the other hand, they have a range of loan originators that are seeking funds for their borrowers. This is illustrated below:

How Income Marketplace works

To describe where Income Marketplace fits into this equation, let’s take an example:

The whole process starts when a consumer takes a loan via one of the partner lenders. Here, a thorough check is made of the borrower’s financial situation and creditworthiness. If the borrower is suitable for a loan, the loan is issued.

To be able to issue more loans, the loan originator wants others to take over the loans in order to gain more liquidity. In practice, this is done by the loans being listed on, where investors can invest in the loans at a lower interest rate than what the loan originator lent the money to. 

Frequently asked questions:

Peer-to-Peer lending platforms are a great alternative to investments like real estate, stocks, bonds, etc. This is due to the fact that P2P lending can provide further diversification to your overall investment portfolio while offering higher historical returns than traditional investments. In recent years it has not been unusual to see stable returns of over 10% annually.

All investing includes risks. However, Income Marketplace has done a lot of effort to make investments on its platform as safe as possible. In our Income Marketplace review, you can learn more about platform safety in this section.

Income Marketplace is owned by Income Company OÜ, which was first registered in 2020. This means that there is not yet much publicly available information to gather about the profitability of Income Marketplace. However, you can check for updates regarding their profitability here.

  1. Create an account.
  2. Transfer money to your account.
  3. Set up Income Marketplace auto-invest or invest manually.
  4. Log in to your account from time to time to check on your investments.

Key features

We have already taken a look at some of the reasons why Income Marketplace has become a popular choice among investors. In the following, we take a closer look at some of the key features that make it easy to invest via the platform:

1. Junior and senior shares

On most P2P lending platforms loan originators are required to have skin in the game by co-owning the loans on equal terms with the P2P investors. This is great as it makes the loan originators aligned with investors in terms of the risk they take.

However, Income Marketplace has improved this safety measure a bit by letting loan originators have a junior share of the loan while P2P investors have a senior share. As senior shares have a higher priority in debt recovery, this means that you will get your full amount of the loan recovered before the loan originator receives anything in case of loan default. 

2. Income Marketplace buyback obligation

All loans on Income Marketplace come with a 60-day buyback obligation.

This means that any time a borrower is late with payments for more than 60 days, the loan originator is obligated to buy back the loan from investors and pay back the full principal and interest.

3. Income Marketplace cash flow buffer

In case a loan originator defaults and is no longer able to meet its buyback obligation, Income Marketplace keeps a cash flow buffer for the investors.

The cash flow buffer is the total amount of junior shares and loan profitability used to secure the investors in the case of loan originator default. It means that all the junior shares of the loan originators, as well as interest and fees, will be first used to pay the investor’s principal and interest. Only after this, the remaining will be paid to the loan originators – if possible.

4. Income Marketplace auto-invest

One of the things that make Income Marketplace really easy to use is its auto-invest function.

To get started with Income Marketplace auto-invest, follow this process:

  1. Log in on
  2. Add funds to your account
  3. Set up your auto-invest criteria on the account

Setting up the auto-invest functionality only takes a few moments.

Who can use Income Marketplace?

Both individuals and companies can invest via Income Marketplace.


If you want to invest as an individual, you must at least meet the following requirements:

  • Being at least 18 years old
  • Provide a copy of your identification documents
  • Have a bank account in one of the countries of the European Economic Area (European Union, Norway, Iceland, and Liechtenstein)

If you live up to these requirements, then you can start investing on the platform at


Organizations can also invest via Income Marketplace. To do so, they must have a bank account and be registered in the European Economic Area.

How safe is Income Marketplace?

To determine if Income Marketplace is safe, we have taken a look at some of the potential upsides and downsides of investing with Income Marketplace. 

1. Income Marketplace profitability 

Income Marketplace is owned by Income Company OÜ, which was first registered in 2020. This means that there is not yet much publicly available information to gather about the profitability of Income Marketplace. However, you can check for updates regarding their profitability here.

2. Main risks

In the following, we go through some of the main risks of using Income Marketplace that we have considered:

Loan default risk

When you invest in P2P loans, there is a risk that the borrower will not be able to repay his loan. In that case, your investment is usually lost.

However, the loans at Income Marketplace have a buyback guarantee that can secure you against this type of event. Further safety measures like the junior and senior shares are also protecting investors.

Loan originator risk

The loan originators on the platform also pose a risk to investors. If they are not in control of their finances, have poor management, or the like, then they run the risk of going bankrupt like any other business.

Income Marketplace’s loan originators include ClickCash, Danabijak, and FIN Yritysrahoitus.

The loan originator risk is minimized on the platform with the previously described cash flow buffer.

Income Marketplace bankruptcy risk

The company behind the platform itself also poses a risk for investors. 

However, in the event that Income Company OÜ went out of business an appointed insolvency administrator would take over the settlement of all outstanding investments.

Financial turndown risk

As P2P investing is a newer thing in the investment world, it can be difficult to predict how a financial turndown would affect this form of investment. As a starting point, it is, therefore, a really bad idea to invest your entire investment portfolio in P2P investments.

Therefore, many investors also diversify into more traditional forms of investment such as equities, bonds, and real estate.

Since investing is an individual thing, we obviously do not know what will be best for you. But if you put together your investment portfolio, make sure that it reflects your knowledge of the investments in it, as well as your own risk appetite. If in doubt about how to do so, make sure to seek help from a professional investment planner.

Is Income Marketplace safe?

Despite being a relatively new company, Income Marketplace seems to be quite safe for investors. Especially the company’s focus on improving the safety standard in the P2P market seems promising.

Other factors such as lack of knowledge about how a financial turndown will affect the P2P lending industry are also risk factors that are worth considering.

Income Marketplace reviews on Trustpilot

Trustpilot is a great place to learn what other people think of P2P lending platforms like Income Marketplace. We have collected some relevant Income Marketplace reviews from Trustpilot for you to take a closer look at:

5 star Income Marketplace review on Trustpilot

Best Income Marketplace alternatives

Not sure Income Marketplace is the right choice for you? Then there are also some good Income Marketplace alternatives to consider. The following are some of our favorites:

Even if you use Income Marketplace, it might actually be a good idea to take a closer look at some of the above platforms. By using multiple platforms, you can reduce your platform risk and diversify your portfolio further.

Conclusion of our Income Marketplace review

Compared to some other platforms we have reviewed, Income Marketplace seems to care a lot about investor protection. This is manifested through the platform’s buyback guarantee combined with additional layers of protection including the junior and senior shares, as well as the cashflow buffer, which is useful in the event of a borrower or loan originator default.

The main downside of Income Marketplace is the fact that the platform is very new with only a few loan originators on it.