Income Marketplace

Launched in early 2021, Income Marketplace,  also known as getincome.com, is an unlicensed peer-to-peer lending platform based in Estonia. The platform offers a range of loans, including car loans, litigation loans, and short-term consumer loans, sourced from various loan originators primarily located in Eastern Europe, Spain, Kosovo, the UK, and Indonesia.

Income Marketplace is open to both individuals and companies, provided they hold a bank account within the European Economic Area (EEA). Since its inception, the platform has facilitated over €162.7 million in loan investments and has repaid approximately €148.9 million to investors. Over the past 12 months, Income Marketplace has recorded an average monthly investment volume of €5.55 million and has about 9,586 investors.^[1]

• The minimum investment is €0.01 per loan, but the platform recommends at least €10.
• All loans include a buyback guarantee
• Income Marketplace offers interest rates ranging from 7% to 13.5%.
• Loan terms range from 4 months to 6 years, with bullet loans repaid at term-end and installment loans repaid monthly.

Income Marketplace offers the following types of investments:

• Car loans
• Litigation loans
• Short-term consumer loans

Loans are sourced from a range of originators, primarily in Eastern Europe, including Lithuania, Latvia, Estonia, and Bulgaria. The platform also collaborates with originators in Spain, the UK, and more recently, Kosovo. Outside of Europe, it offers access to loans from Indonesia. Income Marketplace has recently suspended its loan originator in Brazil and reported inactivity in Colombia and Finland. The minimum investment is €0.01 per loan; however, the platform recommends at least €10 to avoid rounding issues.^[2] All loans include a buyback guarantee, requiring the originator to repurchase loans over 60 days past due, returning the full principal and interest.^[3]

Investments range from €799 to €17,787, with loan durations spanning from 4 months to 6 years.^[4] Loan repayments are structured as follows:

• Bullet loans: The full principal and interest are repaid at the end of the term for short-term borrowing.
• Installment loans: Repayments for longer-term loans are made monthly, with both principal and interest paid, specific to each loan agreement.

Income Marketplace offers an auto-invest feature to queue new investments. It is also available on mobile devices via the Apple App Store and Google Play. However, the platform does not offer a secondary market for early investment exits. Income Marketplace does not deduct taxes on earnings; however, it is the investor’s responsibility to comply with the tax regulations of their respective country.

Among the listed investments, Income Marketplace offers interest rates ranging from 7% to 13.5%. The platform has returned more than €148.92 million to investors since its inception. According to the platform:

• 25.66% of total outstanding loans are delayed by 1 to 30 days.
• 8.10% are delayed by 30 to 60 days.

The default rate is not clearly disclosed. However, it is worth noting that approximately 1% of the loans are under buyback conditions, having been delayed by more than 60 days.^[5] There are no fees charged to investors; instead, the platform generates revenue by charging fees to loan originators.^[6]

Income Marketplace was launched by Kimmo Rytkönen, Mikk Läänemets and Meliina Räty. Rytkönen also co-founded Tunaiku, the lending arm of Indonesia’s Amar Bank, a joint venture between Amar Bank and the Tolaram Group, which is also a key investor in the platform. Since October 2023, Lavrenti Tsudakov has served as CEO of Income Marketplace while also holding the position of COO at Bonsay Tech, an IT recruitment agency in Estonia. Supporting him is Jüri Pruulmann, an experienced CTO who serves as the technical architect, ensuring the platform’s technical security and operational stability. Maciej Wenerski, Head of Due Diligence, brings financial audit expertise from EY and leads the assessment of loan originators.

The platform is owned by Income Company OÜ, incorporated in Tallinn, Estonia. Its largest shareholder is Karlheinz Hauptmann, holding over 39% of the shares. KJ Holdings OÜ, fully owned by co-founder Kimmo Rytkönen, controls about 17%, while MR Holdings OÜ, owned by former COO and co-founder Meliina Räty, is the third largest shareholder. Tolaram Group, which holds a 5.11% stake and has led early funding rounds, is also a key investor and previously owned ClickCash, a loan originator now suspended by the platform.^[7]

Income Marketplace has raised €3.3 million across three funding rounds. The latest, a Seed round led by Tolaram Group on March 28, 2022, brought Tolaram’s ownership to 5.11%.^[8]

Income Marketplace reported a 17.5% increase in revenue to €509,000 in 2024, with a net loss of €613,000 due to investments in growth and depreciation. The company expanded its fintech partnerships and onboarded its first institutional investor. As of early 2025, monthly recurring revenue and invested assets have increased. A new funding round is planned to support further growth and move toward operational profitability.^[9]

In March 2025, Income Marketplace added Virtus Lending as a new loan originator. Based in Kosovo, Virtus Lending has offered used car leasing and consumer loans since 2019, using a fully automated digital-first process for fast approvals, often within minutes. The company has issued €16.4 million in loans and maintains a strong loan book with low defaults and solid profitability. Investors can now access Virtus Lending’s car and consumer loans on the platform, offering 10 to 12% interest rates, backed by a buyback obligation and risk-adjusted Junior Shares.^[10]

1. P2PMarketdata: “Income Marketplace Statistics”
2. Income Marketplace: “Help - What is the minimum amount that can be invested?”
3. Income Marketplace: “Security - Solutions - Buyback Obligation”
4. Income Marketplace: “Invest - Loan Amount - Remaining Term”
5. Income Marketplace: “Statistics”
6. Income Marketplace: “General - Are  there any fees for investors?”
7. Estonia Business Register: “Income Company OÜ”
8. Crunchbase: “Income - Financials”
9. Income Marketplace: “Blog - Income Company OÜ 2024 Financial Results”
10. Income Marketplace: “Blog - Meet Virtus Lending!”

Launched in early 2021, Income Marketplace,  also known as getincome.com, is an unlicensed peer-to-peer lending platform based in Estonia. The platform offers a range of loans, including car loans, litigation loans, and short-term consumer loans, sourced from various loan originators primarily located in Eastern Europe, Spain, Kosovo, the UK, and Indonesia.

Income Marketplace is open to both individuals and companies, provided they hold a bank account within the European Economic Area (EEA). Since its inception, the platform has facilitated over €162.7 million in loan investments and has repaid approximately €148.9 million to investors. Over the past 12 months, Income Marketplace has recorded an average monthly investment volume of €5.55 million and has about 9,586 investors.^[1]

• The minimum investment is €0.01 per loan, but the platform recommends at least €10.
• All loans include a buyback guarantee
• Income Marketplace offers interest rates ranging from 7% to 13.5%.
• Loan terms range from 4 months to 6 years, with bullet loans repaid at term-end and installment loans repaid monthly.

Income Marketplace offers the following types of investments:

• Car loans
• Litigation loans
• Short-term consumer loans

Loans are sourced from a range of originators, primarily in Eastern Europe, including Lithuania, Latvia, Estonia, and Bulgaria. The platform also collaborates with originators in Spain, the UK, and more recently, Kosovo. Outside of Europe, it offers access to loans from Indonesia. Income Marketplace has recently suspended its loan originator in Brazil and reported inactivity in Colombia and Finland. The minimum investment is €0.01 per loan; however, the platform recommends at least €10 to avoid rounding issues.^[2] All loans include a buyback guarantee, requiring the originator to repurchase loans over 60 days past due, returning the full principal and interest.^[3]

Investments range from €799 to €17,787, with loan durations spanning from 4 months to 6 years.^[4] Loan repayments are structured as follows:

• Bullet loans: The full principal and interest are repaid at the end of the term for short-term borrowing.
• Installment loans: Repayments for longer-term loans are made monthly, with both principal and interest paid, specific to each loan agreement.

Income Marketplace offers an auto-invest feature to queue new investments. It is also available on mobile devices via the Apple App Store and Google Play. However, the platform does not offer a secondary market for early investment exits. Income Marketplace does not deduct taxes on earnings; however, it is the investor’s responsibility to comply with the tax regulations of their respective country.

Among the listed investments, Income Marketplace offers interest rates ranging from 7% to 13.5%. The platform has returned more than €148.92 million to investors since its inception. According to the platform:

• 25.66% of total outstanding loans are delayed by 1 to 30 days.
• 8.10% are delayed by 30 to 60 days.

The default rate is not clearly disclosed. However, it is worth noting that approximately 1% of the loans are under buyback conditions, having been delayed by more than 60 days.^[5] There are no fees charged to investors; instead, the platform generates revenue by charging fees to loan originators.^[6]

Income Marketplace was launched by Kimmo Rytkönen, Mikk Läänemets and Meliina Räty. Rytkönen also co-founded Tunaiku, the lending arm of Indonesia’s Amar Bank, a joint venture between Amar Bank and the Tolaram Group, which is also a key investor in the platform. Since October 2023, Lavrenti Tsudakov has served as CEO of Income Marketplace while also holding the position of COO at Bonsay Tech, an IT recruitment agency in Estonia. Supporting him is Jüri Pruulmann, an experienced CTO who serves as the technical architect, ensuring the platform’s technical security and operational stability. Maciej Wenerski, Head of Due Diligence, brings financial audit expertise from EY and leads the assessment of loan originators.

The platform is owned by Income Company OÜ, incorporated in Tallinn, Estonia. Its largest shareholder is Karlheinz Hauptmann, holding over 39% of the shares. KJ Holdings OÜ, fully owned by co-founder Kimmo Rytkönen, controls about 17%, while MR Holdings OÜ, owned by former COO and co-founder Meliina Räty, is the third largest shareholder. Tolaram Group, which holds a 5.11% stake and has led early funding rounds, is also a key investor and previously owned ClickCash, a loan originator now suspended by the platform.^[7]

Income Marketplace has raised €3.3 million across three funding rounds. The latest, a Seed round led by Tolaram Group on March 28, 2022, brought Tolaram’s ownership to 5.11%.^[8]

Income Marketplace reported a 17.5% increase in revenue to €509,000 in 2024, with a net loss of €613,000 due to investments in growth and depreciation. The company expanded its fintech partnerships and onboarded its first institutional investor. As of early 2025, monthly recurring revenue and invested assets have increased. A new funding round is planned to support further growth and move toward operational profitability.^[9]

In March 2025, Income Marketplace added Virtus Lending as a new loan originator. Based in Kosovo, Virtus Lending has offered used car leasing and consumer loans since 2019, using a fully automated digital-first process for fast approvals, often within minutes. The company has issued €16.4 million in loans and maintains a strong loan book with low defaults and solid profitability. Investors can now access Virtus Lending’s car and consumer loans on the platform, offering 10 to 12% interest rates, backed by a buyback obligation and risk-adjusted Junior Shares.^[10]

1. P2PMarketdata: “Income Marketplace Statistics”
2. Income Marketplace: “Help - What is the minimum amount that can be invested?”
3. Income Marketplace: “Security - Solutions - Buyback Obligation”
4. Income Marketplace: “Invest - Loan Amount - Remaining Term”
5. Income Marketplace: “Statistics”
6. Income Marketplace: “General - Are  there any fees for investors?”
7. Estonia Business Register: “Income Company OÜ”
8. Crunchbase: “Income - Financials”
9. Income Marketplace: “Blog - Income Company OÜ 2024 Financial Results”
10. Income Marketplace: “Blog - Meet Virtus Lending!”

Launched in early 2021, Income Marketplace,  also known as getincome.com, is an unlicensed peer-to-peer lending platform based in Estonia. The platform offers a range of loans, including car loans, litigation loans, and short-term consumer loans, sourced from various loan originators primarily located in Eastern Europe, Spain, Kosovo, the UK, and Indonesia.

Income Marketplace is open to both individuals and companies, provided they hold a bank account within the European Economic Area (EEA). Since its inception, the platform has facilitated over €162.7 million in loan investments and has repaid approximately €148.9 million to investors. Over the past 12 months, Income Marketplace has recorded an average monthly investment volume of €5.55 million and has about 9,586 investors.^[1]

• The minimum investment is €0.01 per loan, but the platform recommends at least €10.
• All loans include a buyback guarantee
• Income Marketplace offers interest rates ranging from 7% to 13.5%.
• Loan terms range from 4 months to 6 years, with bullet loans repaid at term-end and installment loans repaid monthly.

Income Marketplace offers the following types of investments:

• Car loans
• Litigation loans
• Short-term consumer loans

Loans are sourced from a range of originators, primarily in Eastern Europe, including Lithuania, Latvia, Estonia, and Bulgaria. The platform also collaborates with originators in Spain, the UK, and more recently, Kosovo. Outside of Europe, it offers access to loans from Indonesia. Income Marketplace has recently suspended its loan originator in Brazil and reported inactivity in Colombia and Finland. The minimum investment is €0.01 per loan; however, the platform recommends at least €10 to avoid rounding issues.^[2] All loans include a buyback guarantee, requiring the originator to repurchase loans over 60 days past due, returning the full principal and interest.^[3]

Investments range from €799 to €17,787, with loan durations spanning from 4 months to 6 years.^[4] Loan repayments are structured as follows:

• Bullet loans: The full principal and interest are repaid at the end of the term for short-term borrowing.
• Installment loans: Repayments for longer-term loans are made monthly, with both principal and interest paid, specific to each loan agreement.

Income Marketplace offers an auto-invest feature to queue new investments. It is also available on mobile devices via the Apple App Store and Google Play. However, the platform does not offer a secondary market for early investment exits. Income Marketplace does not deduct taxes on earnings; however, it is the investor’s responsibility to comply with the tax regulations of their respective country.

Among the listed investments, Income Marketplace offers interest rates ranging from 7% to 13.5%. The platform has returned more than €148.92 million to investors since its inception. According to the platform:

• 25.66% of total outstanding loans are delayed by 1 to 30 days.
• 8.10% are delayed by 30 to 60 days.

The default rate is not clearly disclosed. However, it is worth noting that approximately 1% of the loans are under buyback conditions, having been delayed by more than 60 days.^[5] There are no fees charged to investors; instead, the platform generates revenue by charging fees to loan originators.^[6]

Income Marketplace was launched by Kimmo Rytkönen, Mikk Läänemets and Meliina Räty. Rytkönen also co-founded Tunaiku, the lending arm of Indonesia’s Amar Bank, a joint venture between Amar Bank and the Tolaram Group, which is also a key investor in the platform. Since October 2023, Lavrenti Tsudakov has served as CEO of Income Marketplace while also holding the position of COO at Bonsay Tech, an IT recruitment agency in Estonia. Supporting him is Jüri Pruulmann, an experienced CTO who serves as the technical architect, ensuring the platform’s technical security and operational stability. Maciej Wenerski, Head of Due Diligence, brings financial audit expertise from EY and leads the assessment of loan originators.

The platform is owned by Income Company OÜ, incorporated in Tallinn, Estonia. Its largest shareholder is Karlheinz Hauptmann, holding over 39% of the shares. KJ Holdings OÜ, fully owned by co-founder Kimmo Rytkönen, controls about 17%, while MR Holdings OÜ, owned by former COO and co-founder Meliina Räty, is the third largest shareholder. Tolaram Group, which holds a 5.11% stake and has led early funding rounds, is also a key investor and previously owned ClickCash, a loan originator now suspended by the platform.^[7]

Income Marketplace has raised €3.3 million across three funding rounds. The latest, a Seed round led by Tolaram Group on March 28, 2022, brought Tolaram’s ownership to 5.11%.^[8]

Income Marketplace reported a 17.5% increase in revenue to €509,000 in 2024, with a net loss of €613,000 due to investments in growth and depreciation. The company expanded its fintech partnerships and onboarded its first institutional investor. As of early 2025, monthly recurring revenue and invested assets have increased. A new funding round is planned to support further growth and move toward operational profitability.^[9]

In March 2025, Income Marketplace added Virtus Lending as a new loan originator. Based in Kosovo, Virtus Lending has offered used car leasing and consumer loans since 2019, using a fully automated digital-first process for fast approvals, often within minutes. The company has issued €16.4 million in loans and maintains a strong loan book with low defaults and solid profitability. Investors can now access Virtus Lending’s car and consumer loans on the platform, offering 10 to 12% interest rates, backed by a buyback obligation and risk-adjusted Junior Shares.^[10]

1. P2PMarketdata: “Income Marketplace Statistics”
2. Income Marketplace: “Help - What is the minimum amount that can be invested?”
3. Income Marketplace: “Security - Solutions - Buyback Obligation”
4. Income Marketplace: “Invest - Loan Amount - Remaining Term”
5. Income Marketplace: “Statistics”
6. Income Marketplace: “General - Are  there any fees for investors?”
7. Estonia Business Register: “Income Company OÜ”
8. Crunchbase: “Income - Financials”
9. Income Marketplace: “Blog - Income Company OÜ 2024 Financial Results”
10. Income Marketplace: “Blog - Meet Virtus Lending!”

Launched in early 2021, Income Marketplace,  also known as getincome.com, is an unlicensed peer-to-peer lending platform based in Estonia. The platform offers a range of loans, including car loans, litigation loans, and short-term consumer loans, sourced from various loan originators primarily located in Eastern Europe, Spain, Kosovo, the UK, and Indonesia.

Income Marketplace is open to both individuals and companies, provided they hold a bank account within the European Economic Area (EEA). Since its inception, the platform has facilitated over €162.7 million in loan investments and has repaid approximately €148.9 million to investors. Over the past 12 months, Income Marketplace has recorded an average monthly investment volume of €5.55 million and has about 9,586 investors.^[1]

• The minimum investment is €0.01 per loan, but the platform recommends at least €10.
• All loans include a buyback guarantee
• Income Marketplace offers interest rates ranging from 7% to 13.5%.
• Loan terms range from 4 months to 6 years, with bullet loans repaid at term-end and installment loans repaid monthly.

Income Marketplace offers the following types of investments:

• Car loans
• Litigation loans
• Short-term consumer loans

Loans are sourced from a range of originators, primarily in Eastern Europe, including Lithuania, Latvia, Estonia, and Bulgaria. The platform also collaborates with originators in Spain, the UK, and more recently, Kosovo. Outside of Europe, it offers access to loans from Indonesia. Income Marketplace has recently suspended its loan originator in Brazil and reported inactivity in Colombia and Finland. The minimum investment is €0.01 per loan; however, the platform recommends at least €10 to avoid rounding issues.^[2] All loans include a buyback guarantee, requiring the originator to repurchase loans over 60 days past due, returning the full principal and interest.^[3]

Investments range from €799 to €17,787, with loan durations spanning from 4 months to 6 years.^[4] Loan repayments are structured as follows:

• Bullet loans: The full principal and interest are repaid at the end of the term for short-term borrowing.
• Installment loans: Repayments for longer-term loans are made monthly, with both principal and interest paid, specific to each loan agreement.

Income Marketplace offers an auto-invest feature to queue new investments. It is also available on mobile devices via the Apple App Store and Google Play. However, the platform does not offer a secondary market for early investment exits. Income Marketplace does not deduct taxes on earnings; however, it is the investor’s responsibility to comply with the tax regulations of their respective country.

Among the listed investments, Income Marketplace offers interest rates ranging from 7% to 13.5%. The platform has returned more than €148.92 million to investors since its inception. According to the platform:

• 25.66% of total outstanding loans are delayed by 1 to 30 days.
• 8.10% are delayed by 30 to 60 days.

The default rate is not clearly disclosed. However, it is worth noting that approximately 1% of the loans are under buyback conditions, having been delayed by more than 60 days.^[5] There are no fees charged to investors; instead, the platform generates revenue by charging fees to loan originators.^[6]

Income Marketplace was launched by Kimmo Rytkönen, Mikk Läänemets and Meliina Räty. Rytkönen also co-founded Tunaiku, the lending arm of Indonesia’s Amar Bank, a joint venture between Amar Bank and the Tolaram Group, which is also a key investor in the platform. Since October 2023, Lavrenti Tsudakov has served as CEO of Income Marketplace while also holding the position of COO at Bonsay Tech, an IT recruitment agency in Estonia. Supporting him is Jüri Pruulmann, an experienced CTO who serves as the technical architect, ensuring the platform’s technical security and operational stability. Maciej Wenerski, Head of Due Diligence, brings financial audit expertise from EY and leads the assessment of loan originators.

The platform is owned by Income Company OÜ, incorporated in Tallinn, Estonia. Its largest shareholder is Karlheinz Hauptmann, holding over 39% of the shares. KJ Holdings OÜ, fully owned by co-founder Kimmo Rytkönen, controls about 17%, while MR Holdings OÜ, owned by former COO and co-founder Meliina Räty, is the third largest shareholder. Tolaram Group, which holds a 5.11% stake and has led early funding rounds, is also a key investor and previously owned ClickCash, a loan originator now suspended by the platform.^[7]

Income Marketplace has raised €3.3 million across three funding rounds. The latest, a Seed round led by Tolaram Group on March 28, 2022, brought Tolaram’s ownership to 5.11%.^[8]

Income Marketplace reported a 17.5% increase in revenue to €509,000 in 2024, with a net loss of €613,000 due to investments in growth and depreciation. The company expanded its fintech partnerships and onboarded its first institutional investor. As of early 2025, monthly recurring revenue and invested assets have increased. A new funding round is planned to support further growth and move toward operational profitability.^[9]

In March 2025, Income Marketplace added Virtus Lending as a new loan originator. Based in Kosovo, Virtus Lending has offered used car leasing and consumer loans since 2019, using a fully automated digital-first process for fast approvals, often within minutes. The company has issued €16.4 million in loans and maintains a strong loan book with low defaults and solid profitability. Investors can now access Virtus Lending’s car and consumer loans on the platform, offering 10 to 12% interest rates, backed by a buyback obligation and risk-adjusted Junior Shares.^[10]

1. P2PMarketdata: “Income Marketplace Statistics”
2. Income Marketplace: “Help - What is the minimum amount that can be invested?”
3. Income Marketplace: “Security - Solutions - Buyback Obligation”
4. Income Marketplace: “Invest - Loan Amount - Remaining Term”
5. Income Marketplace: “Statistics”
6. Income Marketplace: “General - Are  there any fees for investors?”
7. Estonia Business Register: “Income Company OÜ”
8. Crunchbase: “Income - Financials”
9. Income Marketplace: “Blog - Income Company OÜ 2024 Financial Results”
10. Income Marketplace: “Blog - Meet Virtus Lending!”

Launched in early 2021, Income Marketplace,  also known as getincome.com, is an unlicensed peer-to-peer lending platform based in Estonia. The platform offers a range of loans, including car loans, litigation loans, and short-term consumer loans, sourced from various loan originators primarily located in Eastern Europe, Spain, Kosovo, the UK, and Indonesia.

Income Marketplace is open to both individuals and companies, provided they hold a bank account within the European Economic Area (EEA). Since its inception, the platform has facilitated over €162.7 million in loan investments and has repaid approximately €148.9 million to investors. Over the past 12 months, Income Marketplace has recorded an average monthly investment volume of €5.55 million and has about 9,586 investors.^[1]

• The minimum investment is €0.01 per loan, but the platform recommends at least €10.
• All loans include a buyback guarantee
• Income Marketplace offers interest rates ranging from 7% to 13.5%.
• Loan terms range from 4 months to 6 years, with bullet loans repaid at term-end and installment loans repaid monthly.

Income Marketplace offers the following types of investments:

• Car loans
• Litigation loans
• Short-term consumer loans

Loans are sourced from a range of originators, primarily in Eastern Europe, including Lithuania, Latvia, Estonia, and Bulgaria. The platform also collaborates with originators in Spain, the UK, and more recently, Kosovo. Outside of Europe, it offers access to loans from Indonesia. Income Marketplace has recently suspended its loan originator in Brazil and reported inactivity in Colombia and Finland. The minimum investment is €0.01 per loan; however, the platform recommends at least €10 to avoid rounding issues.^[2] All loans include a buyback guarantee, requiring the originator to repurchase loans over 60 days past due, returning the full principal and interest.^[3]

Investments range from €799 to €17,787, with loan durations spanning from 4 months to 6 years.^[4] Loan repayments are structured as follows:

• Bullet loans: The full principal and interest are repaid at the end of the term for short-term borrowing.
• Installment loans: Repayments for longer-term loans are made monthly, with both principal and interest paid, specific to each loan agreement.

Income Marketplace offers an auto-invest feature to queue new investments. It is also available on mobile devices via the Apple App Store and Google Play. However, the platform does not offer a secondary market for early investment exits. Income Marketplace does not deduct taxes on earnings; however, it is the investor’s responsibility to comply with the tax regulations of their respective country.

Among the listed investments, Income Marketplace offers interest rates ranging from 7% to 13.5%. The platform has returned more than €148.92 million to investors since its inception. According to the platform:

• 25.66% of total outstanding loans are delayed by 1 to 30 days.
• 8.10% are delayed by 30 to 60 days.

The default rate is not clearly disclosed. However, it is worth noting that approximately 1% of the loans are under buyback conditions, having been delayed by more than 60 days.^[5] There are no fees charged to investors; instead, the platform generates revenue by charging fees to loan originators.^[6]

Income Marketplace was launched by Kimmo Rytkönen, Mikk Läänemets and Meliina Räty. Rytkönen also co-founded Tunaiku, the lending arm of Indonesia’s Amar Bank, a joint venture between Amar Bank and the Tolaram Group, which is also a key investor in the platform. Since October 2023, Lavrenti Tsudakov has served as CEO of Income Marketplace while also holding the position of COO at Bonsay Tech, an IT recruitment agency in Estonia. Supporting him is Jüri Pruulmann, an experienced CTO who serves as the technical architect, ensuring the platform’s technical security and operational stability. Maciej Wenerski, Head of Due Diligence, brings financial audit expertise from EY and leads the assessment of loan originators.

The platform is owned by Income Company OÜ, incorporated in Tallinn, Estonia. Its largest shareholder is Karlheinz Hauptmann, holding over 39% of the shares. KJ Holdings OÜ, fully owned by co-founder Kimmo Rytkönen, controls about 17%, while MR Holdings OÜ, owned by former COO and co-founder Meliina Räty, is the third largest shareholder. Tolaram Group, which holds a 5.11% stake and has led early funding rounds, is also a key investor and previously owned ClickCash, a loan originator now suspended by the platform.^[7]

Income Marketplace has raised €3.3 million across three funding rounds. The latest, a Seed round led by Tolaram Group on March 28, 2022, brought Tolaram’s ownership to 5.11%.^[8]

Income Marketplace reported a 17.5% increase in revenue to €509,000 in 2024, with a net loss of €613,000 due to investments in growth and depreciation. The company expanded its fintech partnerships and onboarded its first institutional investor. As of early 2025, monthly recurring revenue and invested assets have increased. A new funding round is planned to support further growth and move toward operational profitability.^[9]

In March 2025, Income Marketplace added Virtus Lending as a new loan originator. Based in Kosovo, Virtus Lending has offered used car leasing and consumer loans since 2019, using a fully automated digital-first process for fast approvals, often within minutes. The company has issued €16.4 million in loans and maintains a strong loan book with low defaults and solid profitability. Investors can now access Virtus Lending’s car and consumer loans on the platform, offering 10 to 12% interest rates, backed by a buyback obligation and risk-adjusted Junior Shares.^[10]

1. P2PMarketdata: “Income Marketplace Statistics”
2. Income Marketplace: “Help - What is the minimum amount that can be invested?”
3. Income Marketplace: “Security - Solutions - Buyback Obligation”
4. Income Marketplace: “Invest - Loan Amount - Remaining Term”
5. Income Marketplace: “Statistics”
6. Income Marketplace: “General - Are  there any fees for investors?”
7. Estonia Business Register: “Income Company OÜ”
8. Crunchbase: “Income - Financials”
9. Income Marketplace: “Blog - Income Company OÜ 2024 Financial Results”
10. Income Marketplace: “Blog - Meet Virtus Lending!”