Lendermarket
Ireland · Consumo · Fundada 2019
A nossa nota
Retorno médio
13,46%
média da plataforma
Regulação: ECSPR licence C513967 (Central Bank of Ireland, 17 Dec 2024)
1,5 % de cashback sobre os fundos líquidos investidos em 90 dias
Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.
O nosso veredicto
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.
Ler a nossa análise completa da LendermarketRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).O que funciona
- 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
O que não funciona
- 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
Para quem é
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.
Como se decompõe a nota
Como esta pontuação é calculadaCada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.
Número retirado de: lendermarket.com · 18 de set. de 2026 · 13.46% weighted average interest rate; 27,000+ investors; regulated by the Central Bank of Ireland
Monitorização das condições
Relemos diariamente as condições públicas desta plataforma e registamos o que muda.
