Lendermarket

Ireland · Consumo · Fondata 2019

Nostro punteggio

5,8

Rendimento medio

13,46%

media della piattaforma

Regolamentazione: ECSPR licence C513967 (Central Bank of Ireland, 17 Dec 2024)

1,5 % di cashback sui fondi netti investiti in 90 giorni

Apri un conto su Lendermarket Leggi la recensione completa Vedi le condizioni del bonus

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Il nostro giudizio

Lendermarket holds a crowdfunding licence from the Central Bank of Ireland (since 17 December 2024) and has grown from three active lenders in 2025 to nine in 2026, but its largest and longest-standing lender, Creditstar Group, shares its owner, SA Financial Investments OÜ. Between 2022 and 2024 Creditstar repayments sat in pending payments for long periods — independent coverage reports waits of up to 720 days — before Lendermarket reportedly announced them settled in October 2025. The operator itself lost EUR 1.12 million in 2025, and its auditor reported a material going-concern uncertainty, with continuation depending on support from group companies. The licence is real, but it does not cover the separate Claims Assignment Service, and it does not protect against the related-party risk that matters most here.

Leggi la nostra recensione completa di LendermarketRegolamentazione, rendimenti, costi, rischi e il nostro verdetto, in dettaglio (in inglese).

Cosa funziona

Crowdfunding service provider authorisation from the Central Bank of Ireland since 17 December 2024 (ref. C513967)
Nine lenders listed in 2026, up from three active in 2025
No purchase, management or deposit fees, and a EUR 10 minimum per loan
Creditstar Group, the main lender, reported a EUR 13.5 million net profit for 2025, audited by KPMG Baltics

Cosa non funziona

Related-party lender: Lendermarket and Creditstar Group are both owned by SA Financial Investments OÜ, so the platform is rating and chasing its own sister company
Creditstar pending payments built up between 2022 and 2024 and were reported settled only in October 2025; up to six 30-day extensions can still delay the buyback
The operator lost EUR 1.12 million in 2025 and its auditor reported a material uncertainty on going concern
No secondary market, a 3.5% fee to exit Auto Invest FLEX early, and the Claims Assignment Service sits outside the licence and its protections

A chi si rivolge

Investors who have read the Creditstar pending-payment history, spread money across lenders, and keep Lendermarket a small, deliberate position rather than a core holding.