Lendermarket

Lendermarket, founded in 2019 by Aaro Sosaar, who is also the CEO of Creditstar Group, a loan originator affiliated with the platform, has recently received authorization from the Central Bank of Ireland to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503. The platform connects individual and institutional investors to loans provided by consumer and personal loan companies across Europe, including Spain, Finland, Denmark, Sweden, Czech Republic, and Estonia. It also offers investments in loans from loan originators in Mexico and Colombia.

Investors from the European Economic Area (EEA), and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a prerequisite for participation is the possession of a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €456 million from investors, boasting a consistent monthly volume averaging €5.71 million.^[1] The platform claims to have attracted more than 17,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt products starting at a minimum of €10.
• The platform is operated by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• All loans on Lendermarket come with a buyback guarantee.
• Loan durations range from 1 month to 8 years, with interest rates ranging from 10% to 18%.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe, Mexico and Colombia. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators.

Investors can choose from various consumer and personal debt investment products that start at €10, including short and long-term loans with durations ranging from 1 month to 8 years across the current available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €34 to €14,900.^[3]

All loans on Lendermarket include a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it for the original amount, including principal and interest.^[4] Loan originators must also invest 5% to 10% of each loan, ensuring they maintain a stake in the loan.^[5]

Lendermarket does not provide a secondary market for early exits but offers an auto-invest feature to queue new investments. The platform primarily offers loans from Creditstar Group, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists investments with interest rates ranging from 10% to 18%.^[6] Since its launch, the platform has paid out over €24 million in interest to investors. However, Lendermarket has not disclosed the total amount returned to investors, payment delays, or loan default statistics.^[7]

Lendermarket does not impose direct fees on lenders. The platform primarily generates revenue via service fees and brokerage fees collected from loan originators. The exact amount or percentage of these fees charged to borrowers has not been disclosed.

Aaro Sosaar, the CEO of Creditstar Group, is the sole owner of SA Financial Investments OU, holding 100% of the shares in both Lendermarket and Creditstar. Carles Federico, who became Lendermarket’s CEO in September 2023, previously managed Creditstar in Spain and played a key role in establishing a financial microloan company branch. He is joined by Helari Laurent, the CTO, and Gerald Kostak, the Head of Growth, both bringing valuable experience in operations and business development. Aldar Tsybikov, head of Finance, has extensive experience in financial institutions and fintech.

Lendermarket recently announced to have received authorization from the Central Bank of Ireland in December 2024 to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503.^[8]

Lendermarket’s audited financial report for FY23, prepared by Azets Audit Services Ireland Ltd, showed a positive performance shift. The company posted a net profit of €87,836, up from a loss of €257,097 in FY22. Assets grew to €1,765,823, while liabilities dropped by over €2 million to €721,997. Gross profit also increased to €1.215 million, up from €999,278 in FY22, reflecting a stronger financial position.^[9]

1. P2PMarketData: “Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Listings - Amount ”
4. Lendermarket: “FAQ - How safe are investments?”
5. Lendermarket: “Loan Originators - Skin in the game”
6. Lendermarket: “Loan Listings - Interest rate ”
7. Lendermarket: “Loan Statistics”
8. Lendermarket: “Blog - Lendermarket Secures Authorisation to Operate as a Crowdfunding Service Provider in the EU​”
9. Lendermarket: “Annual Report 2023 - Income Statement”

Lendermarket, founded in 2019 by Aaro Sosaar, who is also the CEO of Creditstar Group, a loan originator affiliated with the platform, has recently received authorization from the Central Bank of Ireland to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503. The platform connects individual and institutional investors to loans provided by consumer and personal loan companies across Europe, including Spain, Finland, Denmark, Sweden, Czech Republic, and Estonia. It also offers investments in loans from loan originators in Mexico and Colombia.

Investors from the European Economic Area (EEA), and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a prerequisite for participation is the possession of a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €456 million from investors, boasting a consistent monthly volume averaging €5.71 million.^[1] The platform claims to have attracted more than 17,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt products starting at a minimum of €10.
• The platform is operated by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• All loans on Lendermarket come with a buyback guarantee.
• Loan durations range from 1 month to 8 years, with interest rates ranging from 10% to 18%.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe, Mexico and Colombia. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators.

Investors can choose from various consumer and personal debt investment products that start at €10, including short and long-term loans with durations ranging from 1 month to 8 years across the current available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €34 to €14,900.^[3]

All loans on Lendermarket include a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it for the original amount, including principal and interest.^[4] Loan originators must also invest 5% to 10% of each loan, ensuring they maintain a stake in the loan.^[5]

Lendermarket does not provide a secondary market for early exits but offers an auto-invest feature to queue new investments. The platform primarily offers loans from Creditstar Group, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists investments with interest rates ranging from 10% to 18%.^[6] Since its launch, the platform has paid out over €24 million in interest to investors. However, Lendermarket has not disclosed the total amount returned to investors, payment delays, or loan default statistics.^[7]

Lendermarket does not impose direct fees on lenders. The platform primarily generates revenue via service fees and brokerage fees collected from loan originators. The exact amount or percentage of these fees charged to borrowers has not been disclosed.

Aaro Sosaar, the CEO of Creditstar Group, is the sole owner of SA Financial Investments OU, holding 100% of the shares in both Lendermarket and Creditstar. Carles Federico, who became Lendermarket’s CEO in September 2023, previously managed Creditstar in Spain and played a key role in establishing a financial microloan company branch. He is joined by Helari Laurent, the CTO, and Gerald Kostak, the Head of Growth, both bringing valuable experience in operations and business development. Aldar Tsybikov, head of Finance, has extensive experience in financial institutions and fintech.

Lendermarket recently announced to have received authorization from the Central Bank of Ireland in December 2024 to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503.^[8]

Lendermarket’s audited financial report for FY23, prepared by Azets Audit Services Ireland Ltd, showed a positive performance shift. The company posted a net profit of €87,836, up from a loss of €257,097 in FY22. Assets grew to €1,765,823, while liabilities dropped by over €2 million to €721,997. Gross profit also increased to €1.215 million, up from €999,278 in FY22, reflecting a stronger financial position.^[9]

1. P2PMarketData: “Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Listings - Amount ”
4. Lendermarket: “FAQ - How safe are investments?”
5. Lendermarket: “Loan Originators - Skin in the game”
6. Lendermarket: “Loan Listings - Interest rate ”
7. Lendermarket: “Loan Statistics”
8. Lendermarket: “Blog - Lendermarket Secures Authorisation to Operate as a Crowdfunding Service Provider in the EU​”
9. Lendermarket: “Annual Report 2023 - Income Statement”

Lendermarket, founded in 2019 by Aaro Sosaar, who is also the CEO of Creditstar Group, a loan originator affiliated with the platform, has recently received authorization from the Central Bank of Ireland to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503. The platform connects individual and institutional investors to loans provided by consumer and personal loan companies across Europe, including Spain, Finland, Denmark, Sweden, Czech Republic, and Estonia. It also offers investments in loans from loan originators in Mexico and Colombia.

Investors from the European Economic Area (EEA), and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a prerequisite for participation is the possession of a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €456 million from investors, boasting a consistent monthly volume averaging €5.71 million.^[1] The platform claims to have attracted more than 17,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt products starting at a minimum of €10.
• The platform is operated by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• All loans on Lendermarket come with a buyback guarantee.
• Loan durations range from 1 month to 8 years, with interest rates ranging from 10% to 18%.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe, Mexico and Colombia. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators.

Investors can choose from various consumer and personal debt investment products that start at €10, including short and long-term loans with durations ranging from 1 month to 8 years across the current available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €34 to €14,900.^[3]

All loans on Lendermarket include a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it for the original amount, including principal and interest.^[4] Loan originators must also invest 5% to 10% of each loan, ensuring they maintain a stake in the loan.^[5]

Lendermarket does not provide a secondary market for early exits but offers an auto-invest feature to queue new investments. The platform primarily offers loans from Creditstar Group, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists investments with interest rates ranging from 10% to 18%.^[6] Since its launch, the platform has paid out over €24 million in interest to investors. However, Lendermarket has not disclosed the total amount returned to investors, payment delays, or loan default statistics.^[7]

Lendermarket does not impose direct fees on lenders. The platform primarily generates revenue via service fees and brokerage fees collected from loan originators. The exact amount or percentage of these fees charged to borrowers has not been disclosed.

Aaro Sosaar, the CEO of Creditstar Group, is the sole owner of SA Financial Investments OU, holding 100% of the shares in both Lendermarket and Creditstar. Carles Federico, who became Lendermarket’s CEO in September 2023, previously managed Creditstar in Spain and played a key role in establishing a financial microloan company branch. He is joined by Helari Laurent, the CTO, and Gerald Kostak, the Head of Growth, both bringing valuable experience in operations and business development. Aldar Tsybikov, head of Finance, has extensive experience in financial institutions and fintech.

Lendermarket recently announced to have received authorization from the Central Bank of Ireland in December 2024 to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503.^[8]

Lendermarket’s audited financial report for FY23, prepared by Azets Audit Services Ireland Ltd, showed a positive performance shift. The company posted a net profit of €87,836, up from a loss of €257,097 in FY22. Assets grew to €1,765,823, while liabilities dropped by over €2 million to €721,997. Gross profit also increased to €1.215 million, up from €999,278 in FY22, reflecting a stronger financial position.^[9]

1. P2PMarketData: “Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Listings - Amount ”
4. Lendermarket: “FAQ - How safe are investments?”
5. Lendermarket: “Loan Originators - Skin in the game”
6. Lendermarket: “Loan Listings - Interest rate ”
7. Lendermarket: “Loan Statistics”
8. Lendermarket: “Blog - Lendermarket Secures Authorisation to Operate as a Crowdfunding Service Provider in the EU​”
9. Lendermarket: “Annual Report 2023 - Income Statement”

Lendermarket, founded in 2019 by Aaro Sosaar, who is also the CEO of Creditstar Group, a loan originator affiliated with the platform, has recently received authorization from the Central Bank of Ireland to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503. The platform connects individual and institutional investors to loans provided by consumer and personal loan companies across Europe, including Spain, Finland, Denmark, Sweden, Czech Republic, and Estonia. It also offers investments in loans from loan originators in Mexico and Colombia.

Investors from the European Economic Area (EEA), and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a prerequisite for participation is the possession of a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €456 million from investors, boasting a consistent monthly volume averaging €5.71 million.^[1] The platform claims to have attracted more than 17,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt products starting at a minimum of €10.
• The platform is operated by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• All loans on Lendermarket come with a buyback guarantee.
• Loan durations range from 1 month to 8 years, with interest rates ranging from 10% to 18%.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe, Mexico and Colombia. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators.

Investors can choose from various consumer and personal debt investment products that start at €10, including short and long-term loans with durations ranging from 1 month to 8 years across the current available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €34 to €14,900.^[3]

All loans on Lendermarket include a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it for the original amount, including principal and interest.^[4] Loan originators must also invest 5% to 10% of each loan, ensuring they maintain a stake in the loan.^[5]

Lendermarket does not provide a secondary market for early exits but offers an auto-invest feature to queue new investments. The platform primarily offers loans from Creditstar Group, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists investments with interest rates ranging from 10% to 18%.^[6] Since its launch, the platform has paid out over €24 million in interest to investors. However, Lendermarket has not disclosed the total amount returned to investors, payment delays, or loan default statistics.^[7]

Lendermarket does not impose direct fees on lenders. The platform primarily generates revenue via service fees and brokerage fees collected from loan originators. The exact amount or percentage of these fees charged to borrowers has not been disclosed.

Aaro Sosaar, the CEO of Creditstar Group, is the sole owner of SA Financial Investments OU, holding 100% of the shares in both Lendermarket and Creditstar. Carles Federico, who became Lendermarket’s CEO in September 2023, previously managed Creditstar in Spain and played a key role in establishing a financial microloan company branch. He is joined by Helari Laurent, the CTO, and Gerald Kostak, the Head of Growth, both bringing valuable experience in operations and business development. Aldar Tsybikov, head of Finance, has extensive experience in financial institutions and fintech.

Lendermarket recently announced to have received authorization from the Central Bank of Ireland in December 2024 to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503.^[8]

Lendermarket’s audited financial report for FY23, prepared by Azets Audit Services Ireland Ltd, showed a positive performance shift. The company posted a net profit of €87,836, up from a loss of €257,097 in FY22. Assets grew to €1,765,823, while liabilities dropped by over €2 million to €721,997. Gross profit also increased to €1.215 million, up from €999,278 in FY22, reflecting a stronger financial position.^[9]

1. P2PMarketData: “Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Listings - Amount ”
4. Lendermarket: “FAQ - How safe are investments?”
5. Lendermarket: “Loan Originators - Skin in the game”
6. Lendermarket: “Loan Listings - Interest rate ”
7. Lendermarket: “Loan Statistics”
8. Lendermarket: “Blog - Lendermarket Secures Authorisation to Operate as a Crowdfunding Service Provider in the EU​”
9. Lendermarket: “Annual Report 2023 - Income Statement”

Lendermarket, founded in 2019 by Aaro Sosaar, who is also the CEO of Creditstar Group, a loan originator affiliated with the platform, has recently received authorization from the Central Bank of Ireland to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503. The platform connects individual and institutional investors to loans provided by consumer and personal loan companies across Europe, including Spain, Finland, Denmark, Sweden, Czech Republic, and Estonia. It also offers investments in loans from loan originators in Mexico and Colombia.

Investors from the European Economic Area (EEA), and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a prerequisite for participation is the possession of a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €456 million from investors, boasting a consistent monthly volume averaging €5.71 million.^[1] The platform claims to have attracted more than 17,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt products starting at a minimum of €10.
• The platform is operated by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• All loans on Lendermarket come with a buyback guarantee.
• Loan durations range from 1 month to 8 years, with interest rates ranging from 10% to 18%.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe, Mexico and Colombia. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators.

Investors can choose from various consumer and personal debt investment products that start at €10, including short and long-term loans with durations ranging from 1 month to 8 years across the current available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €34 to €14,900.^[3]

All loans on Lendermarket include a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it for the original amount, including principal and interest.^[4] Loan originators must also invest 5% to 10% of each loan, ensuring they maintain a stake in the loan.^[5]

Lendermarket does not provide a secondary market for early exits but offers an auto-invest feature to queue new investments. The platform primarily offers loans from Creditstar Group, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists investments with interest rates ranging from 10% to 18%.^[6] Since its launch, the platform has paid out over €24 million in interest to investors. However, Lendermarket has not disclosed the total amount returned to investors, payment delays, or loan default statistics.^[7]

Lendermarket does not impose direct fees on lenders. The platform primarily generates revenue via service fees and brokerage fees collected from loan originators. The exact amount or percentage of these fees charged to borrowers has not been disclosed.

Aaro Sosaar, the CEO of Creditstar Group, is the sole owner of SA Financial Investments OU, holding 100% of the shares in both Lendermarket and Creditstar. Carles Federico, who became Lendermarket’s CEO in September 2023, previously managed Creditstar in Spain and played a key role in establishing a financial microloan company branch. He is joined by Helari Laurent, the CTO, and Gerald Kostak, the Head of Growth, both bringing valuable experience in operations and business development. Aldar Tsybikov, head of Finance, has extensive experience in financial institutions and fintech.

Lendermarket recently announced to have received authorization from the Central Bank of Ireland in December 2024 to operate as a Crowdfunding Service Provider under EU Regulation 2020/1503.^[8]

Lendermarket’s audited financial report for FY23, prepared by Azets Audit Services Ireland Ltd, showed a positive performance shift. The company posted a net profit of €87,836, up from a loss of €257,097 in FY22. Assets grew to €1,765,823, while liabilities dropped by over €2 million to €721,997. Gross profit also increased to €1.215 million, up from €999,278 in FY22, reflecting a stronger financial position.^[9]

1. P2PMarketData: “Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Listings - Amount ”
4. Lendermarket: “FAQ - How safe are investments?”
5. Lendermarket: “Loan Originators - Skin in the game”
6. Lendermarket: “Loan Listings - Interest rate ”
7. Lendermarket: “Loan Statistics”
8. Lendermarket: “Blog - Lendermarket Secures Authorisation to Operate as a Crowdfunding Service Provider in the EU​”
9. Lendermarket: “Annual Report 2023 - Income Statement”