Income Marketplace is a peer-to-peer lending platform located in Estonia. The company was founded in 2020, and its headquarters are in Tallinn. The minimum investment per loan is 10 euros. There is no minimum withdrawal. Income was created by Kimmo Rytkönen, who has over 20 years of experience in lending. The current CEO of Income is Lavrenti Tsudakov, who has over 10 years of management experience. He maintains excellent communication with investors, especially on Telegram, where he is available to quickly answer daily questions. Every loan on the site comes with a buyback guarantee, and in the event of default by Clickcash, Income would take possession of the receivables and be reimbursed.
There are no delays of more than 60 days; all buyback guarantees have been honored.
The platform shows no defaults and no definitive losses.
The platform features excellent credit companies with growing businesses.
Key figures for two companies present on Income:
DanaRupiah Company
🟢 Profits 2024: €13,800,000
🟢 Profits 2023: €13,700,000
🟢 Profits 2022: €5,037,170
ITF Company:
🟢 Profits 2024: €1,800,000 (+74%)
🟢 Profits 2023: €1,100,000
🟢 Profits 2022: €264,000
Total funds invested on the platform: €173,818,802
Average return: 13.78%
Total interest paid: €151,370 (May 2025)
Monthly invested amounts by investors exceed €2,500,000.
I have been investing on the platform since May 2024. I have a total of over €11.9K in investments and I aim to double that figure. I prioritize growing companies that demonstrate timely capital repayments.
The investor holds a simple fixed-rate loan. It is a classic debt instrument for peer-to-peer personal loans (P2P). They pay interest fixed at issuance according to a predefined periodicity until maturity.
The average expected yield of projects is 13.5%
Yields are calculated based on the projects analyzed on this site and not on all projects.
⚠️ The higher the yield, the higher the risk.
✅ Income has a buy back guarantee
In P2P lending A buyback guarantee is a guarantee provided by a loan originator regarding a specific loan. If repayment of that particular loan is delayed by more than a specified number of days (usually 60), then the loan originator is obligated to buy back the loan.
The delay rate for more than 6 months at Income is 0.00%.
The delayed time is computed based on the contractual date and not target date
The permanent loss rate at Income is 0.00%.
The minimum amount to invest is 1€.
Income has a very low minimum amount to invest
🌎 The financial income are taxable in the investor's country of tax residence.
In France, since January 1, 2018, income from movable capital as well as capital gains from securities sales are subject, when taxed, to a flat-rate withholding tax (PFU) of 12.8%, to which social security contributions of 17.2% are added, making a total rate of 30%.
However, you can choose, when declaring your income, for a global taxation of these income and gains at the progressive income tax rate by checking box 2OP. You may be exempted from the portion corresponding to the flat-rate withholding tax of 12.8% for income tax purposes if your reference fiscal income for year N-2 was less than €25,000 (€50,000 if you are married). When making your declaration, you have the option to maintain the choice for taxation at 30%, or to submit your capital gains to the progressive income tax rate (to which 17.2% social security contributions will be added).
➡️ Search for previous reviews of chez Income
A real estate crowdfunding operation involves several categories of risks:
➡️ Operational Risk: human errors, incompetence, material shortages, delivery delays, poor management, accidents on site, provider bankruptcy...
➡️ Technical Risk: unpleasant surprises during soil and foundation studies, pollution, thermal, acoustic issues...;
➡️ Administrative and Legal Risk: difficulties in obtaining a fully cleared building or development permit, administrative authorizations, Financial Completion Guarantees, Construction Insurance, or All-Risks Site insurance, compliance of sales documents, poorly assessed urban planning authorizations;
➡️ Financial Risk: poor cost analysis, budget overruns, lower profit margins, obtaining bank credit, etc.;
➡️ Commercial Risk: insufficient pre-marketing, insufficient local market study (prices, needs, location...), delays in lot sales (commercialization), neglected suspensive conditions, unfavorable market evolution, risky sales strategy, overly optimistic exit prices, etc.
Beyond the analysis of the real estate project itself, crowdfunding platforms examine the financial and operational strength of the companies participating in the operation, which also face potential risks, mainly financial.
The evaluation thus focuses on numerous criteria, including:
➡️ Legal and Financial: capital structure, ongoing disputes, income statements and financial statements, solvency, profitability, liquidity, level of equity, etc.
➡️ Operational: organizational chart, experience of the executives, history of successfully completed operations, quality of previous programs, reputation, etc.
➡️ Financial Statements: financial statements (balance sheet and income statement) of the operator must be analyzed to determine its financial health.
➡️ Fraud: The operator may file for bankruptcy fraudulently or abscond with funds, which is why guarantees on cash flows are necessary.
Even with good preparation, it is impossible to anticipate climatic events (flooding, frost, storms...), macroeconomic factors such as sudden changes in property prices or interest rates, high inflation, etc., or legislative changes (regulatory modifications, taxation changes...), or situations of war. These risks are difficult to control. It is essential that operators have taken out the necessary insurance and that sufficient financial margin is planned to cope with potential contingencies.
Join the group on TelegramBy joining the club, you join a community of investors driven by the same interests and passions.
