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Available for EU residents

Income Marketplace Review

Updated | 18. February 2024

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Available for EU residents
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Secured bybuyback
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Earn on average (Per Year) 13.78%


Chosen 3554 times

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Tested Platform
  • Earn up to 15% per year

  • 1% Bonus for new investors

  • Vetted loan originators

  • Innovative protection system

Risk & Returnnumber of stars
Usabilitynumber of stars
Liquiditynumber of stars
Supportnumber of stars
checked iconBuyback Guarantee
checked iconAuto Invest
checked iconCashback
closed iconSecondary Market
closed iconRegulated
Min. Investment 10
Loan Originators8
Loan Period in Months1 - 36
Loan TypeConsumer
Interest7% - 15%



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Year founded:


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Investors' earnings:

€ 3M

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Outstanding portfolio:

€ 10M

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Loss of investors' money:

Not available

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Number of investors:


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Average portfolio size:

€ 1.800

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Funds in recovery:

€ 266.352

    Table of contents

Table of contents

Income Marketplace Review Summary

While the Income Marketplace is not as user-friendly as other P2P lending platforms and doesn't offer a secondary market, investors can earn a stable return of more than 10% per year, which is more than on other P2P lending sites.

Main takeaways from our Income review:

  • Interesting new protection schemes
  • Easy-to-use platform
  • Limited diversification
  • High interest rate

The Income Marketplace is a good fit for a stable and competitive yield with increased protection systems.

Ready to get some income?

What Is The Income Marketplace?

The Income Marketplace is a P2P lending marketplace that allows you to invest in loans from seven lending companies that operate in different markets.

Investing on Income can earn you up to 15% annual interest. The platform is transparent when sharing relevant financial overviews, but can it compete with other P2P lending sites? That’s what you will discover in our in-depth Income Marketplace review.

income marketplace review

⭐ Learn more about our rating criteria

Income's underlying technological infrastructure and loan portfolio monitoring is superior to what we have seen on other platforms or P2P marketplaces. The cash buffer and junior share are also unique, making Income an exciting investment site.

Are you wondering how the Income Marketplace works? Watch our Income Marketplace review to get learn more about the platform.

Pros And Cons Of Getincome

As with any Peer-to-Peer lending platform, there are always pros and cons that you should consider.


  • Up to 15% interest rate
  • Better protection scheme as on most P2P marketplaces
  • Experienced management
  • Based in Estonia


  • No secondary market
  • Support is not always up to users' expectations
  • Less user-friendly than other platforms
  • "Funds in Recovery" are not presented on the statistics page

Income Invitation Code

The Income marketplace does offer an Income referral code for newly registered investors. Type in the Income invitation code VI1MHQ to get a 1% cashback bonus calculated from your invested amount during the first 30 days of your registration.

income marketplace invitation code

Sign up with our partner link or enter the referral code to benefit from this Income Marketplace bonus.

Ready to earn passive income on

Income’s Requirements

To earn interest on your investment on Getincome, you must meet specific requirements.

  1. Have a bank account in your name registered in either the EEA (European Economic Area) countries, Norway, Iceland, or Liechtenstein.
  2. Be at least 18 years of age
  3. Provide your identification documents

If you don’t have a bank account in EUR, you can open a free N26 account, use Revolut or get the Wise card. Remember that you can only transfer EUR from an account in your name.

The verification of your identity takes less than 2 minutes. You will get a QR code allowing you to take a quick selfie and a photo of your ID card.

To transfer money to Income, you must deposit funds to the LHV bank account of Income.

Don’t forget to add your reference number so the marketplace can allocate your deposit to your investor account. You can find the reference number in your Getincome account. The transfer should not take more than two business days.

Remember that you must reside within the EU or EEA to invest on the Income P2P Marketplace. The platform doesn't offer investment opportunities for investors from outside of Europe.

Risk & Return

When it comes to P2P lending, you should always be able to evaluate the quality of the protection scheme and the quality of the loans you invest in.

In other words, look at the buyback guarantee, and check the financial information of the loan originators and the performance of their loan book.

Let’s first look at the buyback guarantee.

Buyback Guarantee Explained

A 60-day buyback guarantee on Income backs your investment. This means that the loan originator promises to repurchase your investment and repay the accrued interest if the loan repayments are delayed by 60 days.

Experienced investors understand that the buyback guarantee is only as good as the financials of the lenders and the performance of their loans.

Remember that certain loan originators list their loans on Income via SPV. Non-European lenders typically incorporate an SPV that lists loans on the marketplace. This is the case with ClickCash Brazil as well as Danabijak Indonesia. Let’s briefly review the three loan originators.

Vivus Mexico

Vivus Mexico is a payday lender in North America, financing a portion of the portfolio with P2P investors. A pledge secures the loans. The pledge equals about 33% Junior Share, which should be enough to cover investors if the loan originator defaults.

The lending company is taking on the FX risk as the loans are issued in MXN but financed in EUR. Most loans from Vivus Mexico have a loan term of up to six months. 

vivus mexico income

Readers of our project who support us financially have access to our exclusive interview with the CEO of Vivus Mexico to learn more about the lending business in Mexico.

Danabijak Indonesia

Danabijak is an Indonesian fintech company providing payday loans to the underbanked middle class in Indonesia.

Danabijak was founded in 2016, and since then, the company has originated €16M in loans. Currently, the loan portfolio accounts for €788,000.

Like ClickCash, Danabijak also uses an SPV to list loans on the Income Marketplace.

Review the security structure below to learn more about the process.

income marketplace statistics

By investing in loans from Danabijak, you are funding loans in EUR that are issued in IDR. This means that the lender is carrying the FX risk.

While Kreston International audits the financial report for 2020, this report isn’t publicly available on the Income Marketplace. From the listed financial information sheet, we have learned that Danabijak lost €601,000 in 2020 due to the impact of the COVID-19 pandemic.

Are you wondering how Income compares to other platforms? Check out our comparison between Income Marketplace and Esketit.

FIN Yritysrahoitus

FIN Yritysrahoitus is a Finnish lender lending money to SMEs (small and medium enterprises). The borrower's APR ranges from 16.2% to 133.8%. The lender was founded in 2015, and since then, the company has originated €6.8M in loans.

The current portfolio accounts for €1.2M. The loans from this Finnish lender are listed through an SPV (Income EST SPV OU).

Here is the security structure:

income marketplace statistics

FIN Yritysrahoitus Oy is audited by Aurinkolahden Tilintarkastus OY. Audited reports are, however, not publicly available on the Income Marketplace.

What you should also be aware of is the fact that the CEO of Income acts as a board advisor to FIN Yritysrahoitus.

IN 2020, FIN Yritysrahoitus was not profitable.

The Income Marketplace is constantly onboarding new loan originators. You can now invest in Danarupiah (Indonesia) or Vivus Mexico loans. The platform recently onboarded Juancho Te Presta, a lender backed by Rapicredit that you may also find on Bondster.

Income's Due Diligence And Onboarding

Let's get into more detail about the onboarding process of lenders on the Income Marketplace.

income marketplace onboarding

First, the platform collects data about the lending company. The lender has to provide legal documentation and financial statements and explain how the company originates loans.

In the second step, Income’s risk manager analyses the documentation. The key factors that the platform is considering are the loan book performance and portfolio profitability.

The Head of Onboarding on Income looks at the information from various dimensions and reviews the lender's financial statements.

Sometimes, a group guarantee is required if the lender doesn’t have a good track record. This could be a case where the lending company is a startup operating under a more prominent financial institution.

Next, the marketplace calculates the junior share and submits the results to the management for approval. If the decision is favorable, the lender receives an offer.

As soon as the offer is accepted, the platform conducts a sanity check and reviews the loan agreements, bank statements, and loan documents to see if the loans are backed by collateral.

If all goes well, the lender is onboarded, and API integration with the company is established so that Income can mirror the performance of the listed loans directly from the lender’s loan management system.

Every six months, the platform runs a completeness check and reviews the performance of the entire loan portfolio, which helps determine a new junior share.

Junior Share & Cashflow Buffer Explained

The Income Marketplace brands itself as the “safest” marketplace in Europe. The marketplace introduces additional protection mechanisms such as “junior share” and “cash flow buffer”.

Junior share is the improved version of “Skin in the Game”. “Skin in the Game” represents the percentage of the loan listed on the platform funded directly from the lender’s balance sheet (not investable for investors). The junior share is subordinated to investors' funds.

The Junior Share protects your money if the lending company defaults.

Let's look at the differences between Skin in the Game and Junior Share to understand the unique protection on Income better.

income marketplace skin in the game

So let’s say that a lender with a €1 million loan portfolio with 10% skin in the game defaults.

In the next step, a collection company starts the recovery process.

Let’s assume that 40% of the portfolio could not be recovered, which means that 60% of the loan book is the final value that will now be distributed proportionally to the lender and the investors.

In this scenario, the lender and the investors are equally likely to recover the debt.

In this case, investors would lose 46% of their investments. 40% is bad debt, and 6% goes to the lender.

That’s basically how skin in the game works.

Now let’s look at the Junior Share.

income marketplace junior share

The lender will list a €1 million portfolio on the platform, from which 35% is reserved as Junior Share. That means that only 65% of the portfolio is investable by the investors.

What’s important to highlight is that Junior Share is subordinated to investors’ funds. Let’s have a look at what it means.

So let’s say the lender goes bust, and the collection agency cannot recover 40% of the loans.

That’s not too bad as investors have invested in only 65% of the loan book. The junior share will be paid first to investors to cover the obligations before paying anything to the lender.

So, in this case, investors get all the recovered funds, which results in only a 5% loss for investors.

That solid protection mechanism significantly reduces your risk of losing money if a lending company defaults.

Junior Share Calculation

Based on the quality of the loan book, the Income Marketplace calculates the appropriate rate of “junior share” for every lender.

Every lender must invest the “junior share” amount from its balance sheet into every loan.


income marketplace junior share

The calculation of the junior share is very straightforward.

First, the platform analyzes the performance of the lender’s portfolio.

The loan performance analysis is a crucial element in any due diligence process as it gives you an idea about the cash value of a portfolio within a specific time.

So let’s assume we expect to receive 120% of the portfolio within three months. This amount also includes the interest and fees that borrowers are paying.

In the lending business, this variable is called the expected repayment coefficient.

To figure this out, the platform must access the loan book performance.

In the next step, Income Marketplace has to figure out how much is the required repayment coefficient to cover obligations to investors.

That includes loan principal, interest rate, and fees for the platform. Let’s assume that it’s 104%.

So now, the platform knows how much is required to recover and how much is expected to be recovered based on the loan book performance.

In the third step, the platform deducts risk margins.

If the lender defaults, there are risks that you won’t be able to recover everything.

A risk factor could be that the borrower decides not to pay, the exchange rate changes, or a global pandemic starts, and borrowers lose their jobs.

The Income Marketplace will calculate every risk margin separately, and it’s never the same for all lenders.

So now, the platform can calculate the investable amount by subtracting the risks from the expected repayment coefficient.

In this case, investors will be allowed to invest 79% into a loan, and they would be fully covered if all the potential risks materialize.

The cash flow buffer is the difference between the investable amount and the expected repayment.

A side note worth mentioning is that Income recalculates the junior share every six months or when the product and its pricing change.

So, the lender has a much larger "Skin in the Game (Junior Share)" if the Income Marketplace determines that the portfolio quality isn't as good or that the risks are too high. It's a similar principle as when evaluating the LTV for real estate properties; just in this case, one evaluates the cash value of the loan book.

In the case of a defaulted lender, Income takes over the collection of loans of the entire portfolio and repays investors before the lender.

Investing on Income or other marketplaces depends on your risk appetite and investment preferences. Remember that any "protection scheme" isn't a 100% guarantee. By investing in P2P loans, you are bearing the default risk, which is valid on any platform.

If you are looking for higher protection, interest payments for delayed loans, better monitoring of lenders, and no pending payments, Income is undoubtedly the best option.

Is Income Safe?

This section of our Income review will dive deeper into the platform's management and terms and conditions.

Income's office in Tallin (HQ) is Tornimäe 5 business center 3rd floor, room D1 (next to Deloitte). It's pretty easy to find.

Here, you can watch the highlights of our visit to the Income Marketplace.

Who Leads The Team?

The CEO and Co-Founder Kimmo Rytkönen lead the team behind Kimmo has previous experience in the Indonesian banking industry. He is also advising companies in the insurance and lending industry in Finland. Previously, Kimmo funded Aasa, a lender that used to list loans from Sweden on Mintos.

According to our research, the company is employing another seven employees. You can learn more about the team on

Who Owns the Platform?

According to the Estonian business registry, Income Company OU is owned by three shareholders Mikk Läänemets, Kimmo Joonas Rytkönen, and Alexander Hauptmann.

Mikk is one of the members listed on the team page of He is a lawyer by profession. He has previously worked at Aasa Global, a lending company from Poland. Mikk, as well as Kimmo, has previously worked at Supernova JV, which is a company related to Aasa.

Alexander Hauptmann is the 26-year-old son of Karl Hauptmann, the Supervisory Board Member. His role is to oversee the family’s interests.

Watch our latest interview with the CEO here:


Are There Any Suspicious Terms And Conditions?

When reviewing P2P lending platforms, you should always review the terms and conditions to know your rights and obligations fully.

Storage of Funds

Income makes it clear that the platform cannot use your funds other than investing in loans on your behalf.

income marketplace statistics

Unfortunately, the platform doesn’t mention how Income safeguards your funds in its terms and conditions.

The platform’s FAQ section stores your funds in a separate bank account. This information should also be mentioned in the terms and conditions.

This info will likely become obsolete as we have learned that the Income Marketplace is moving towards implementing VIBAN accounts with Lemonway. In that case, you would not send your money to Income at all but to your bank account at Lemonway, which will be used to transfer funds to the loan originators.


Income reserves the right to amend terms and conditions at any time. The platform promises to inform you about any upcoming changes but doesn’t mention a specific time frame.

income marketplace statistics

We understand that terms can change; however, it would be more transparent to clarify how much time the users have to review the new terms.

Access To Loan Agreements

Investors should have access to the loan agreements only after making the investment. Unfortunately, Income doesn’t publicly share the loan agreements before investing. This is something that you should pay good attention to.

The reason for this is likely the different structures in various business models. Every lender follows a slightly different scheme, and a template would not provide sufficient data.

You can review the assignment agreements when setting up your auto invest. Every lender has an assignment agreement that fits the business model.

Potential Red Flags

  • The lender ClickCash from Brazil is not fulfilling the buyback guarantee. The ClickCash portfolio represents 1.7% of Income's entire portfolio under management.

Learn more about possible red flags in our guide about how to avoid investing in P2P lending scams.

Our Opinion Of Income Marketplace

Income is very transparent when it comes to sharing the structure of how you invest in loans from various lenders.

The team spent a lot of time figuring out how to improve the buyback guarantee and ensure that the lender is interested in recovering the debt.

During our visit to Income's office in Tallinn, we had in-depth conversations with the CEO, the compliance officer, and the risk manager.

We have also received information about their workflow and the technology that runs the platform and monitors the performance of the loan book.

Income's technological infrastructure is significantly more advanced, which helps to increase monitoring accuracy and decrease possible human errors.

The marketplace has also shown us its portfolio analysis and explained how they evaluate the portfolio quality and its cash value.

Their risk tolerance for country risk is relatively conservative, which also increases the safety of your investments on the platform.

When we talked with the risk manager and asked about his favorite loans on the Income Marketplace, he highlighted the installment loans from Danabijak, which are currently offered for 15% interest per year.

income marketplace review

We have been using the Income Marketplace for almost one year, and our experience with the platform has been good. As the loan availability is somewhat low, we have decreased our exposure on Income in late 2023. You can learn more about our exposure to P2P loans in our P2P portfolio.

Do you enjoy this review? Invite us for a coffee ☕


The usability of Income is not the best but sufficient for most P2P investors. The platform allows you to invest manually or set up your automated investment strategy.

Auto Invest

The auto invest comes with a lot of filter options. You can define the loan amounts, interest rates, loan term, loan type, country, lender, status, and loan extensions.

From our perspective, auto invest offers more than is currently supported by the availability of loans.

Remember that the Income Marketplace is not the best platform for diversifying your portfolio. There are currently only eight lenders listing their loans on the platform.

One could think that Income built the auto invest to accommodate potentially more new lenders and investment products in the future.

🧾Does The Income Marketplace Deduct Taxes?

The Income Marketplace does not collect taxes from your earnings. You may download a PDF file of your account statement for the selected date in your dashboard, showing all your income, including interest and bonuses. When you file your taxes in the country where you are a tax resident, you can save this report and submit it to the appropriate tax authorities.


The Income P2P marketplace has no secondary market or a “one-click” exit button. This means that your portfolio's liquidity relies on the loan term you are investing in.

Income offers investment opportunities in a variety of loans. Many are payday loans from Indonesia with a relatively short loan term of one month.

If you decide to invest in those, you can withdraw most of your investments within two months if you invest in short-term loans.

Early Buyback

The Income P2P Marketplace has recently introduced an "Early Buyback" option that would allow you to exit your position in long-term loans prior to the end date of the loan term. This is useful for investors who would be interested in investing in particular lenders who only offer long-term loans. 

The first lender that offers this option is Hoovi from Estonia. The "Early Buyback" loans will be repurchased 12 months after the initial listing. Those loans are listed on the primary market for 8% annual interest. 

early buyback income marketplace

The lender is offering up to 12% interest for its long-term loans.


Income’s support is somewhat responsive. The CEO is also very active on social media, which isn’t always the case with other CEOs in the industry.

During our initial research, the platform returned to us with answers to our questions within one business day.

We have also visited the office of the Income Marketplace in Tallinn, Estonia.

You can contact Income’s support team by sending them an email to

Remember that the support quality may vary, depending on your expectations and particular case. 

Income P2P Alternatives

While the loan performance on the Income Marketplace is often better compared to other P2P lending platforms, the loan availability is often limited as only seven active lending companies list loans on the platform. This might result in cash drag, so you could also consider investing on other platforms. 


Esketit is one of the best-performing platforms in [year] with €0 loans in recovery, making it a suitable alternative to the Income Marketplace. While the loan availability is limited, the buyback obligation, as well as the platform's Auto Invest with instant cash out option, are exciting features that you will undoubtedly appreciate. While the interest rates on Esketit are slightly lower, so is the platform's risk. Read our Esketit review to learn more about the platform. 


PeerBerry is one of Europe's best P2P lending platforms with an impressive track record. The Lithuanian-based P2P marketplace offers short-term and installment loans from Aventus Group and Gofingo, two well-established lenders operating worldwide. PeerBerry offers a 60-day buyback guarantee and a group guarantee that protects your investments from unexpected market risks. PeerBerry has been offering attractive investment opportunities since 2017. Learn more about this top-rated platform in our PeerBerry review


If you want a better risk and return ratio, invest in agricultural secured loans on LANDE. This Latvia crowdfunding platform offers investments backed by machinery, land, or crop. LANDE is one of the best-performing platforms in 2023 with plenty of available loans. Read our LANDE review to learn how to earn more than 10% per year by investing in secured loans. 


Jakub Krejci




Jakub Krejci, the founder of P2P Empire, brings six years of expertise in navigating and investing across diverse P2P lending platforms. Drawing insights from over 50 interviews with industry CEOs and founders, Jakub offers a unique perspective in the peer-to-peer lending realm. Renowned for his high-quality reporting and regular updates, Jakub stands as a trusted authority for individuals navigating the dynamic P2P investment landscape.

Editorial Note: We earn a commission from partner links on P2P Empire. Commissions do not affect our editors' opinions or evaluations of products.

FAQ About Income Marketplace

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Does Getincome offer a buyback guarantee?

Yes, the P2P marketplace offers a 60-day buyback guarantee on your investments. If the loan you have invested in is delayed by more than 60 days, the loan originator will repurchase the claim and pay back the loan principal and the accrued interest.

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Is Getincome profitable?

Getincome doesn’t publicly share its financial reports or lending partners' reports. Investors should not expect Income to be profitable in the upcoming years as the platform heavily invests in growth.

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What happens if Getincome cease its operations?

In the unlikely event that Income becomes insolvent, the company will appoint an insolvency administrator to facilitate the repayments to investors. According to our knowledge, Income hasn’t set an insolvency manager nor has a reserve in place for this instance.

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What’s the availability of loans?

The availability of loans in Income is sufficient, and there is no cash drag.

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Why are some loans on Getincome frequently delayed?

The portion of delayed loans on income depends mainly on the security structures under which investors invest on the platform. If a loan originator has a pledge structure in place and one loan on the listed book is late, the whole listed loan book is late. This can cause a large portion of Income's listing to move into the LATE status. An additional reason can also be the fact that a borrower is late with its payment. Due to Income's security structures, investors should pay attention to the loans that are 30 - 60 days delayed, when evaluating the performance of Income's listings. The buyback obligation on Income has always been executed on time.


  • Company:
  • Income Company OÜ
  • Legal Address:
  • 5 Tornimäe street, Tallinn, 10145 Estonia
  • Office Address:
  • 5 Tornimäe street, Tallinn, 10145 Estonia
  • Email: