{"id":289682,"date":"2025-05-05T11:14:44","date_gmt":"2025-05-05T11:14:44","guid":{"rendered":"https:\/\/northern.finance\/unkategorisiert\/income-marketplace-review-2025-everything-about-the-new-p2p-provider\/"},"modified":"2026-05-04T18:20:52","modified_gmt":"2026-05-04T18:20:52","slug":"income-marketplace-review","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/income-marketplace-review\/","title":{"rendered":"Income Marketplace review 2026: Everything about the new P2P provider"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\"><strong>Income Marketplace is a relatively new P2P provider with which I have already had my first experience. For this article, I analysed the platform in detail and answered the most important questions in an interview with CEO Kimmo Rytk\u00f6nen. <\/strong><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">High yields, consumer lending with short terms, location Estonia. <strong>Income P2P Marketplace <\/strong><\/span> <span style=\"font-weight: 400;\">appears at first glance to be another typical marketplace for personal loans. But with a new approach to securing investments, it is probably the most modern and unusual P2P provider! Let&#8217;s take a look at Income Marketplace and the experiences of investors.   <\/span><\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\">In brief:<\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">Income Marketplace is a new P2P market (lending since 2021) from Estonia<\/li>\n<li class=\"infobox-li\">Typical functions (auto-invest, buy-back guarantee) and the usual high returns of up to 12% make an appealing impression<\/li>\n<li class=\"infobox-li\">The biggest difference to the competition is the sophisticated security mechanisms<\/li>\n<li class=\"infobox-li\">The \u2018cash flow buffer\u2019 and \u2018junior share\u2019 have found ways to protect investors against lender insolvency and payment defaults<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Review: What is Income Marketplace?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Income Marketplace is a platform that enables you to invest in personal loans. If you lend your own capital to borrowers in this way, you can achieve high returns &#8211; I myself have had very good experiences with this form of investment in recent years! I have also recently become active with Income and have already achieved success. The company has been allowing investment in <a href=\"https:\/\/northern.finance\/en\/p2p\/the-big-p2p-loan-comparison\/\" data-type=\"URL\" data-id=\"https:\/\/northern.finance\/p2p-plattformen-erfahrungen\/aktuelles-p2p-kredite-ranking\/\">P2P lending<\/a> since 2021, making it one of the younger players in the highly competitive market.    <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Here we offer lending from the \u2018consumer lending\u2019 category, i.e. lending for private individuals. These are often used to bridge a short period of time until the next salary payment for planned purchases. Accordingly, the term is often only one to a maximum of six months.   <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Although Income has only been active for a short time, it has already attracted a great deal of media attention. In addition, the company currently has the highest growth rates in the entire P2P market. In January 2023, the company had already granted one million euros worth of lending &#8211; a very good result so soon after its launch!  <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The most important data at a glance:<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Founded:<\/strong><\/td><td>2020 as an income-generating company<\/td><\/tr><tr><td><strong>Company headquarters:<\/strong><\/td><td>Tallinn, Estonia, operating as O\u00dc<\/td><\/tr><tr><td><strong>Number of investors:<\/strong><\/td><td>+10,900<\/td><\/tr><tr><td><strong>Financing volume of lending:<\/strong><\/td><td>+5,7 Million \u20ac (04\/2026)<\/td><\/tr><tr><td><strong>Returns:<\/strong><\/td><td>13.78 % according to official data from the platform<\/td><\/tr><tr><td><strong>Minimum investment amount:<\/strong><\/td><td>10 EUR<\/td><\/tr><tr><td><strong>Buyback guarantee:<\/strong><\/td><td>Yes<\/td><\/tr><tr><td><strong>Auto Invest:<\/strong><\/td><td>Yes<\/td><\/tr><tr><td><strong>Secondary market:<\/strong><\/td><td>No, but in planning<\/td><\/tr><tr><td><strong>Issue of a tax certificate:<\/strong><\/td><td>No, but there is a normal account statement<\/td><\/tr><tr><td><strong>Loyalty programme for investors:<\/strong><\/td><td>No<\/td><\/tr><tr><td><strong>Starting bonus:<\/strong><\/td><td>1% on your first investment (<a href=\"https:\/\/northern.finance\/income-marketplace\">get it with this link<\/a>)<\/td><\/tr><tr><td><strong>Evaluation:<\/strong><\/td><td>Take a look at our&nbsp;<a href=\"https:\/\/northern.finance\/en\/p2p\/the-big-p2p-loan-comparison\/\" target=\"_blank\" rel=\"noreferrer noopener\">review of the P2P platforms<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Review: How investing in Income Marketplace works<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Like so many other P2P providers, Income Marketplace originates from Estonia, the unofficial centre for this form of investment. With this form of investment, private investors can use their capital to finance lending to individuals or companies.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The processing is handled by lenders. These companies are the point of contact for people who want to borrow money and later take care of repayments or the collection procedure in the event of default. However, they do not provide the money for these lending programmes themselves, but offer interested investors the opportunity to invest their capital.   <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\"><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In return, investors usually receive a very high interest rate &#8211; 12 % and more are not uncommon! However, this sum can be reduced in some cases due to late payment or even defaults.  <\/span><span style=\"font-weight: 400;\">Marketplaces like Income are web platforms where lenders and investors come together. It is therefore a kind of intermediary service. At the same time, Income Marketplace offers us additional security, as it controls the lenders and ensures that everything is above board.   <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">There are currently nine lenders to whom you can entrust your money on the Income platform. They operate in Estonia, Latvia, Finland, Brazil, Indonesia, Columbia and Bulgaria. More lenders will be added over time.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you would also like to benefit from the 12% interest, then register now via the link and take advantage of my Income bonus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The risk with Income Marketplace: buyback guarantee as the current standard<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Investments in personal loans are among the riskiest forms of investment, as there is always a risk of non-payment or default. To overcome this problem, Income (like most of its competitors) offers a buyback guarantee: if a borrower is unable to repay their instalments on time or even defaults completely, the outstanding amount will be refunded to you. <\/span><\/p>\n\n\n<div class=\"wp-block-image is-resized\">\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"888\" height=\"550\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18.png\" alt=\"Income Marketplace \" class=\"wp-image-240685\" style=\"width:562px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18.png 888w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-300x186.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-1024x634.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-767x475.png 767w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-1536x951.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-2048x1268.png 2048w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-1080x669.png 1080w, https:\/\/northern.finance\/wp-content\/uploads\/2022\/03\/Bildschirmfoto-2022-03-01-um-14.52.18-788x488.png 788w\" sizes=\"(max-width: 888px) 100vw, 888px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This makes an investment much safer for you, as you can sleep soundly even if a loan is in arrears. However, two problems overshadow P2P lending despite the buyback guarantee: the possible insolvency or unwillingness of a lender.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If the company granting the lending gets into financial difficulties, your capital may be at risk: in many cases, repayment is then no longer possible &#8211; buyback guarantee or not. Many investors have already had to make this painful experience. There are also known cases in which a lender simply refuses to honour its obligations for other reasons.   <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Unlike its competitors, however, Income does not simply rely on trust in the lenders &#8211; it specifically creates the opportunity to ensure that repayment is enforced if the worst comes to the worst! This is because the P2P platform grants itself the right to collect the outstanding amount itself in an emergency and pay it out to the investors.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">At the same time, further measures have been taken to ensure that lenders&#8217; insolvencies can also be compensated. Income Marketplace thus appears to have found a way to avoid the greatest risks in the P2P sector.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>How the Junior Share works at Income Marketplace<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">With the \u2018Junior Share\u2019, Income has introduced a sensible adaptation of the well-known \u2018skin in the game\u2019 concept. Lenders are always invested in a loan with their own capital. However, this amount is usually only 5 to a maximum of 10 per cent of the total value. The rest of the money comes from the investors.    <\/span><\/p>\n\n\n<div class=\"wp-block-image is-resized\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"939\" height=\"1024\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-2-25-939x1024.png\" alt=\"\" class=\"wp-image-289706\" style=\"width:400px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-2-25-939x1024.png 939w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-2-25-275x300.png 275w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-2-25-768x838.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-2-25.png 1408w\" sizes=\"(max-width: 939px) 100vw, 939px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">This amount is referred to as \u2018skin in the game\u2019 and is intended to motivate the lender to ensure the quality of the loans granted, timely repayment, etc. The assumption is that there is a corresponding motivation through the lender&#8217;s own involvement.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In reality, however, this sum is hardly sufficient to always encourage lenders to adopt good business practices. As there is a high chance of recovering the few per cent skin in the game in the event of a default, companies have little concern about a loan default. For investors, on the other hand, the risk is much greater as they provide the majority of the capital.   <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The junior share adapts this concept, in which the two parties are no longer equal investors: If a lending defaults, the investors are paid out preferentially. In return, the lenders&#8217; share is used up first. Only if further money can be recovered later do the lending companies also get their money back.   <\/span><span style=\"font-weight: 400;\">This prioritisation by Junior Share ensures that lenders are much more motivated to ensure the quality of the loans granted. After all, in the event of an emergency, they are the first to suffer losses due to a payment default. <\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Extra security thanks to the cash flow buffer<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">With the Junior Share, Income Marketplace has found a good way to motivate lenders to grant good loans and to better secure repayment. However, this has not yet solved one major problem: the risk of lender bankruptcy. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In the past, it has already happened on other platforms that an entire credit company has slipped into insolvency. In this case, the investors&#8217; capital was usually completely or at least partially lost. With the Cashflow Buffer, Income has created an interesting security concept designed to remedy this situation. The idea behind it is quite simple: the loans granted are not repaid to the lender, but to Income Marketplace itself.    <\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"800\" height=\"569\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-3-5-2.png\" alt=\"\" class=\"wp-image-289711\" style=\"width:633px;height:auto\" title=\"Income Cashflow\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-3-5-2.png 800w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-3-5-2-300x213.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-3-5-2-768x546.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The lender only receives its share once the liabilities to the investors have been covered. In the event of bankruptcy, the money is therefore not lost, as it is in the hands of Income Marketplace.  <\/span><span style=\"font-weight: 400;\">If the lender no longer fulfils its payment obligations or the buyback guarantee, Income Marketplace has the contractually guaranteed right to take over the loan company&#8217;s portfolio. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">With the borrower data that Income always has at its disposal, loans can be recovered quickly. The company states that it is already in contact with debt collection companies in the relevant countries so that it can act quickly if the worst comes to the worst.  <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is Income Marketplace safe?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">As investors, we are concerned about how secure an investment with P2P providers such as Income is. Such high interest rates are usually only possible if there is a correspondingly high level of risk.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Personal loans are indeed generally categorised as high-risk investments. The reasons for this are primarily the dangers of late payment or lender default. However, Income Marketplace has already tackled both problems with its security measures.   <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">So is the income market a safe investment? That would be going too far. Despite extensive security mechanisms, P2P lending remains risky.   Compared to other providers, however, Income seems to have taken better precautions. <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If the platform&#8217;s concept proves itself in the coming months, Income could undoubtedly be described as the safest provider on the P2P market. This could open up an enormous market for investors with a medium risk appetite. However, until Income has gained the necessary experience, the actual security remains uncertain.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Income Marketplace Auto Invest function makes the P2P platform exciting<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">At Income Marketplace, you can select lending for your investment manually or use the auto-invest function. Your capital is automatically used for available loans according to your specifications.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">You can specify the maximum amount, desired return, term and more here. Automatic reinvestment of your earnings is also possible. You can even evenly distribute your investments among the available lenders to avoid clumping risks.   <\/span><\/p>\n\n\n<div class=\"wp-block-image is-resized\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"461\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9-1024x461.png\" alt=\"\" class=\"wp-image-289716\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9-1024x461.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9-300x135.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9-768x346.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9-1536x692.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9-2048x923.png 2048w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-4-9.png 2344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Further advantages of Income Marketplace at a glance:<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The security features of Income Marketplace are certainly the most interesting unique selling point; however, the provider should not be reduced to this alone! The platform has numerous other advantages to offer.  <\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Clarity and simple structure<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Income Marketplace has a clear, easy-to-use website. It offers all the important functions at a glance. Other providers could take a leaf out of the book when it comes to the simple design!  <\/span><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"800\" height=\"518\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-5-1-4.png\" alt=\"\" class=\"wp-image-289721\" style=\"width:725px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-5-1-4.png 800w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-5-1-4-300x194.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-5-1-4-768x497.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Own app<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">An app for Android and iOS is also available to investors. All important functions can be found here in the usual clear interface. Ideal for taking a look at the growing portfolio  on the go.   <\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. High transparency<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Income offers a statistics section that gives you insights into important key figures of the platforms and your own investment. This type of transparency is crucial for P2P providers &#8211; investors have already had plenty of bad experiences with marketplaces that do not disclose their data.  <\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Automatic tax report<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">If you are paid out profits for your investment, you must declare this accordingly on your tax return. Income Marketplace provides you with a tax report that can be generated with just a few clicks. This saves you a lot of work!  <\/span><\/p>\n\n\n<div class=\"wp-block-image is-resized\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"990\" height=\"1024\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-6-4-990x1024.png\" alt=\"\" class=\"wp-image-289726\" style=\"width:590px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-6-4-990x1024.png 990w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-6-4-290x300.png 290w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-6-4-768x795.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-6-4-1484x1536.png 1484w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Grafik-6-4.png 1979w\" sizes=\"(max-width: 990px) 100vw, 990px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion: My review of Income Marketplace<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Income Marketplace is a typical P2P platform that stands out from the crowd with its unique security features. With high interest rates of up to 12 %, short terms and strong growth, it is an exciting option for many investors.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">However, the additional protection provided by the cash flow buffer and junior share will undoubtedly attract the greatest interest. Investors who have already been affected by the bankruptcy of a lender or extensive payment defaults will be particularly pleased with this offer! <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">After all, well thought-out concepts could potentially prevent such scenarios in the future. However, it remains to be seen whether this ambitious plan will work: Income Marketplace is still a very young platform whose security mechanisms have not yet been tested in a real case.  <\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">However, the company has recognised and tackled an important weakness of previous P2P platforms. In my opinion, this makes Income the most innovative provider that the market for personal loans has seen in a long time.  <\/span><span style=\"font-weight: 400;\">My experience with Income Marketplace so far has been consistently positive. I will therefore continue to invest and am very excited about the future development of the platform! <\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>FAQ &#8211; Frequently asked questions about Income Marketplace<\/strong><\/h2>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-c2c3f1ca uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-false uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-e9c4eb9a wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-e9c4eb9a\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is Income Marketplace safe?<\/span><\/div><div class=\"uagb-faq-content\"><p>Investments in P2P lending are always associated with risk &#8211; and Income Marketplace is no exception. However, thanks to its innovative security mechanisms, the platform appears to be better protected against payment defaults or the insolvency of a lender.  <br><br>On paper, Income appears to be much more secure than the competition. However, this security must first be proven in practice, as Income is still a very young provider whose protection mechanisms have not yet been tested.  <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-4148b5bd wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-4148b5bd\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What does Income Marketplace cost?<\/span><\/div><div class=\"uagb-faq-content\"><p>Income Marketplace is completely free of charge for investors. No fees are charged for your investment. The company earns from the interest and fees paid by debtors.  <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-d2cbfc45 wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-d2cbfc45\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Is Income Marketplace legal and reputable?<\/span><\/div><div class=\"uagb-faq-content\"><p>Income Marketplace is a legal, regulated financial services provider. The company is listed in Estonia and is therefore subject to the laws of the country and the EU.  <br><br>The provider&#8217;s management team has been active in the P2P sector for a long time, which &#8211; despite its young history &#8211; speaks in favour of the seriousness of Income Marketplace. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-868496e3 wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-868496e3\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">In which countries can I invest with Income Marketplace?<\/span><\/div><div class=\"uagb-faq-content\"><p>Income Marketplace offers consumer lending from Latvia, Estonia and Finland. In addition to these typical P2P lending countries, you can also invest in loans from Brazil, Mexico and Indonesia.  <br><br>Further lenders are expected to join the platform over the course of the year. It is therefore to be expected that the number of available countries will also increase. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c3ca512c wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-c3ca512c\" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Do I have to pay taxes at Income Marketplace?<\/span><\/div><div class=\"uagb-faq-content\"><p>Profits from investments with Income Marketplace are taxable, i.e. they must be declared in your tax return. If you exceed the annual tax-free allowance, you will have to pay tax accordingly.  <br><br>Income makes it easier for you to complete your tax return with automatic tax reports, which in my experience can be created with just a few mouse clicks. <\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Income Marketplace is a relatively new P2P provider with which I have already had my first experience. For this article, I analysed the platform in detail and answered the most important questions in an interview with CEO Kimmo Rytk\u00f6nen. High yields, consumer lending with short terms, location Estonia. Income P2P Marketplace appears at first glance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":289695,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1017],"tags":[],"class_list":["post-289682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter.png",1280,720,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter-1024x576.png",1024,576,true],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter.png",1280,720,false],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/10\/Thumbnail-Income-Marketplace-Erfahrungen-2024-Alles-zum-neuen-P2P-Anbieter.png",1280,720,false]},"uagb_author_info":{"display_name":"Aleks","author_link":"https:\/\/northern.finance\/en\/author\/aleks\/"},"uagb_comment_info":0,"uagb_excerpt":"Income Marketplace is a relatively new P2P provider with which I have already had my first experience. For this article, I analysed the platform in detail and answered the most important questions in an interview with CEO Kimmo Rytk\u00f6nen. High yields, consumer lending with short terms, location Estonia. Income P2P Marketplace appears at first glance&hellip;","_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/289682","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=289682"}],"version-history":[{"count":19,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/289682\/revisions"}],"predecessor-version":[{"id":332958,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/289682\/revisions\/332958"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/289695"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=289682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=289682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=289682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}