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Available for EU residents

Income Marketplace Review

Updated | 11. July 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 4150 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 Originators4
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:

€ 14M

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Loss of investors' money:

Not available

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Number of investors:


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Average portfolio size:

€ 7.899

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Funds in recovery:

€ 266.902

    Table of contents

Table of contents

Income Marketplace Review Summary

The Income Marketplace may not be as user-friendly as other P2P lending platforms and lacks a secondary market. However, investors can still earn a stable return of over 10% per year, which is higher than the returns 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


  • 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
  • It is less user-friendly than other platforms
  • "Funds in Recovery" are not presented on the statistics page

⭐ Learn more about our rating criteria

Income's underlying technological infrastructure and loan portfolio monitoring are 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 learn more about the platform.

Our Opinion Of Income

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 remains interested in recovering the debt.

During our visit to Income's office in Tallinn, we spoke in depth with the founder, CEO, compliance officer, and 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 it evaluates portfolio quality and cash value.

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

While the Income Marketplace isn't a bad platform, it isn't the best. The diversification options are limited, and although the platform advertised a high level of safety, it couldn't keep up with its promises, as investors experienced first-hand when Income's lending partner ClickCash from Brazil stopped the repayments.

The offered yield on Income is higher than that of other marketplaces, reflecting the higher risk for investors. If you are interested in earning yield on Income, we suggest studying the loan book performance of the available lenders and monitoring their repayment morale. 

Since Income isn't profitable even after several years of operation, investors should approach the platform with caution.

Although we believe Income's management has good intentions, past experience shows that lenders can still fail despite advanced security measures. In such cases, Income may struggle to recover the debt promptly.

You can learn more about our exposure to P2P loans in our P2P portfolio.

Income Invitation Code

The income marketplace offers 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 using our partner link or enter the referral code to benefit from this Income Marketplace bonus.

Ready to earn passive income on


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

  1. You must have a bank account registered in your name in one of 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 to take a quick selfie and a photo of your ID card.

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

Remember 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 take no more than two business days.

Remember that you must reside within the EU or EEA to invest in 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 loan originators' financial information 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 lenders' financials and loan performance.

Remember that certain loan originators list their loans on Income via an SPV. Non-European lenders typically incorporate an SPV that lists loans on the marketplace. 

Loan Originators

As of month year, most of the available loans on the platform originated from the Indonesian company Danarupiah, the Estonian lender Hoovi, and the Bulgarian lending company ITF Group JSC. 

This means that the Income Marketplace is only suitable for you if you want to diversify your loan portfolio across the mentioned regions. 

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 platform considers the loan book performance and portfolio profitability as key factors.

The Head of Onboarding on Income reviews the lender's financial statements and examines the information from various perspectives.

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.

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

Junior Share & Cashflow Buffer Explained

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

Junior Share is an 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 examine the differences between Skin in the Game and Junior Share to understand the unique Income protection better.

income marketplace skin in the game

So, let’s say a lender with a €1 million loan portfolio and 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. Forty percent would be bad debt, and six percent would go 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, of which 35% is reserved as Junior Shares. That means that only 65% of the portfolio is investable by investors.

It’s important to highlight that Junior Share is subordinated to investors’ funds. Let’s examine what this 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 being paid to the lender.

In this case, investors receive all the recovered funds, resulting in only a 5% loss.

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.

Loan performance analysis is a crucial element in any due diligence process as it gives an idea of a portfolio's cash value over a specific time period.

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, the 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 platform fees. Let’s assume it’s 104%.

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

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 differs between the investable amount and the expected repayment.

A side note 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 considers 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 bear the default risk, 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 Tallinn (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 Lavreti Tsudakov leads the team behind The platform was founded by Kimmo Rytkönnen, who 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 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 Polish lending company. Mikk, as well as Kimmo, has previously worked at Supernova JV, a company related to Aasa.

Alexander Hauptmann is the 28-year-old son of Karl Hauptmann, the Supervisory Board Member. He oversees 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 fully understand your rights and obligations.

Storage of Funds

Income clarifies 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 investing. Unfortunately, Income doesn’t publicly share the loan agreements before investing. This is something that you should pay good attention to.

This is likely due to 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.

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


Income's usability is not the best, but it is sufficient for most P2P investors. The platform allows you to invest manually or set up an 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. The number of lenders regularly listing loans on the platform is limited.

🧾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 introduced an "Early Buyback" option that allows you to exit your position in long-term loans before the end date of the loan term. This is useful for investors who are interested in investing in particular lenders that only offer long-term loans. 

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

early buyback income marketplace

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


Income’s support is somewhat responsive. The founder is also very active on social media, which isn’t always the case with other founders 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 Income Marketplace office 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 than other P2P lending platforms, the loan availability is usually limited to a handful of lenders. This might result in cash drag, so you could 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.

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 crops. LANDE is one of the best-performing platforms in year, with plenty of available loans.

Read our LANDE review to learn how to earn more than 10% annually 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.


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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 most of the time.

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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: