Income Marketplace
Estonia · Consumer · Founded 2020
Our score
Average return
13.51%
platform average
Regulation: No licence. Income Company OÜ is not on the Estonian FSA's crowdfunding register
Partner link — we may earn a commission at no cost to you. It does not affect the score above.
Our verdict
Income has designed its protection around lender failure: every loan carries a 60-day buyback from the lender, backed by a subordinated junior share and a cash-flow buffer sized against the lender's own loan book, and it publishes more about its lenders than most platforms its size. But Income Company OÜ holds no financial licence and is not on Finantsinspektsioon's list of crowdfunding providers, so no supervisor or compensation scheme stands behind a platform that reported a 2025 net loss of €437,981 and equity of €94,175. The one real test, ClickCash, suspended in November 2022 with €182,878 unpaid, stood at 50.8% recovered after nearly four years, partly from Income's own bridge payments. The buyback is only as strong as each lender, and the buffer has not been tested at scale.
Read our full Income Marketplace reviewRegulation, returns, fees, risks and our verdict — in depth.What works
- Buyback, a subordinated junior share and a cash-flow buffer go further than a buyback alone
- Detailed lender disclosure, including lenders' yearly financial statements posted on Income's blog
- No investor fees for investing, Auto Invest, deposits or withdrawals
- Small losses so far: one suspended lender, ClickCash, with about €183,000 unpaid against more than €200m invested since 2021
What doesn't
- No financial licence: Income Company OÜ is not a licensed crowdfunding provider or investment firm, and no compensation scheme applies
- Thin, loss-making operator: 2025 net loss of €437,981 and equity of €94,175
- ClickCash is 50.8% recovered after nearly four years, partly from Income's own money
- ITF Group and Danarupiah made up about 69% of 2025 listings, and the secondary market promised for Q2 2026 had not launched by September 2026
Who this is for
Experienced investors who read lender reports, want a small position in non-bank lending, and accept the platform itself as an unregulated counterparty.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: getincome.com · Sep 21, 2026 · 13.51% average interest rate for 2025, from Income's own 2025 recap. A contracted rate, not a return after losses.
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.
