Lendermarket

Lendermarket is a peer-to-peer lending platform registered in Ireland, operating from Tallinn, Estonia and Ireland. The platform serves as the bridge connecting investors, both individual and institutional, to loans facilitated by digital consumer finance companies across diverse European countries, and recently Mexico. Established in 2019 by Aaro Sosaar, who also serves as the CEO and founder of Creditstar Group, a loan originator that offer investments on the platform. 

Investors from the European Economic Area (EEA), the United Kingdom, and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a requirement for participating is a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €428 million from investors, boasting a consistent monthly volume averaging €5.21 million.^[1] The platform claims to have attracted more than 16,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt notes starting at a minimum of €10.
• The platform is owned by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• Loan durations range from 30 days to several years, with interest rates ranging from 10% to 18%.
• All loans on Lendermarket come with a buyback guarantee.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe and LATAM. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators. Among its partners are Creditstar Group, where Lendermarket's founder currently serves as the CEO, as well as Dineo, ITF, QuickCheck, RapiCredit, and the recently joined CrediFiel from Mexico.^[3]

Investors can choose from various consumer debt investment products that start at €10, including short and long-term loans with durations ranging from 431 days to more than 8.5 years across the current 391 available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €454 to €10,000.^[4]

All loans on Lendermarket come with a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it at the original amount, including both principal and interest.^[5] Furthermore, loan originators are required to invest a specific percentage in each loan, typically maintaining a 5% stake in the game for any particular loan.^[6]

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 loan originators, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists more than 5,000 debt notes available for investment with interest rates ranging from 10% to 18%.^[7] Since its launch, the platform has paid out over €19 million in interest to investors. However, Lendermarket does not disclose payment delays, or loan default statistics.^[8]

The platform does not impose direct fees on lenders. Lendermarket 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 current 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 has been Lendermarket's CEO since September 2023, previously managed Creditstar in Spain, initiating the establishment of a financial microloan company branch. Alongside Federico, Helari Laurent serves as the CTO and Gerad Kostak is the Head of Growth, bringing experience in operations and business development.

According to Lendermarket it tried applying for the crowdfunding license application under European regulations (ECSPR). During that period, new loan listings were temporarily paused.^[9] The deadline for applying to the ECSP crowdfunding license was November the 10th, 2023. The platform has today not received the license as a Crowdfunding platform but is again reselling loans as an investment platform without a specific license.

Lendermarket's last publicly available annual report for the year 2023 shows a profit of €87,836 during the period spanning from December 2022 to December 2023. This profit represents an improvement compared to FY2022’s loss of €257,097. In the same time period the turnover has increased from €1,250,994 from 1,036,016. ^[11]

1. P2PMarketData: “Lendermarket Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Originators”
4. Lendermarket: “Loan Listings - Amount ”
5. Lendermarket: “FAQ - How safe are investments?”
6. Lendermarket: “FAQ - What is skin in the game?”
7. Lendermarket: “Loan Listings - Interest rate ”
8. Lendermarket: “Loan Statistics”
9. Lendermarket: “Navigating Regulatory Waters”
10. Kreedix Group - Score Storybook: “SA Financial Investments OU - Financials”
11. Grant Thornton: “Lendermarket Annual Audit Report 2023”

Lendermarket is a peer-to-peer lending platform registered in Ireland, operating from Tallinn, Estonia and Ireland. The platform serves as the bridge connecting investors, both individual and institutional, to loans facilitated by digital consumer finance companies across diverse European countries, and recently Mexico. Established in 2019 by Aaro Sosaar, who also serves as the CEO and founder of Creditstar Group, a loan originator that offer investments on the platform. 

Investors from the European Economic Area (EEA), the United Kingdom, and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a requirement for participating is a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €428 million from investors, boasting a consistent monthly volume averaging €5.21 million.^[1] The platform claims to have attracted more than 16,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt notes starting at a minimum of €10.
• The platform is owned by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• Loan durations range from 30 days to several years, with interest rates ranging from 10% to 18%.
• All loans on Lendermarket come with a buyback guarantee.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe and LATAM. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators. Among its partners are Creditstar Group, where Lendermarket's founder currently serves as the CEO, as well as Dineo, ITF, QuickCheck, RapiCredit, and the recently joined CrediFiel from Mexico.^[3]

Investors can choose from various consumer debt investment products that start at €10, including short and long-term loans with durations ranging from 431 days to more than 8.5 years across the current 391 available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €454 to €10,000.^[4]

All loans on Lendermarket come with a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it at the original amount, including both principal and interest.^[5] Furthermore, loan originators are required to invest a specific percentage in each loan, typically maintaining a 5% stake in the game for any particular loan.^[6]

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 loan originators, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists more than 5,000 debt notes available for investment with interest rates ranging from 10% to 18%.^[7] Since its launch, the platform has paid out over €19 million in interest to investors. However, Lendermarket does not disclose payment delays, or loan default statistics.^[8]

The platform does not impose direct fees on lenders. Lendermarket 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 current 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 has been Lendermarket's CEO since September 2023, previously managed Creditstar in Spain, initiating the establishment of a financial microloan company branch. Alongside Federico, Helari Laurent serves as the CTO and Gerad Kostak is the Head of Growth, bringing experience in operations and business development.

According to Lendermarket it tried applying for the crowdfunding license application under European regulations (ECSPR). During that period, new loan listings were temporarily paused.^[9] The deadline for applying to the ECSP crowdfunding license was November the 10th, 2023. The platform has today not received the license as a Crowdfunding platform but is again reselling loans as an investment platform without a specific license.

Lendermarket's last publicly available annual report for the year 2023 shows a profit of €87,836 during the period spanning from December 2022 to December 2023. This profit represents an improvement compared to FY2022’s loss of €257,097. In the same time period the turnover has increased from €1,250,994 from 1,036,016. ^[11]

1. P2PMarketData: “Lendermarket Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Originators”
4. Lendermarket: “Loan Listings - Amount ”
5. Lendermarket: “FAQ - How safe are investments?”
6. Lendermarket: “FAQ - What is skin in the game?”
7. Lendermarket: “Loan Listings - Interest rate ”
8. Lendermarket: “Loan Statistics”
9. Lendermarket: “Navigating Regulatory Waters”
10. Kreedix Group - Score Storybook: “SA Financial Investments OU - Financials”
11. Grant Thornton: “Lendermarket Annual Audit Report 2023”

Lendermarket is a peer-to-peer lending platform registered in Ireland, operating from Tallinn, Estonia and Ireland. The platform serves as the bridge connecting investors, both individual and institutional, to loans facilitated by digital consumer finance companies across diverse European countries, and recently Mexico. Established in 2019 by Aaro Sosaar, who also serves as the CEO and founder of Creditstar Group, a loan originator that offer investments on the platform. 

Investors from the European Economic Area (EEA), the United Kingdom, and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a requirement for participating is a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €428 million from investors, boasting a consistent monthly volume averaging €5.21 million.^[1] The platform claims to have attracted more than 16,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt notes starting at a minimum of €10.
• The platform is owned by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• Loan durations range from 30 days to several years, with interest rates ranging from 10% to 18%.
• All loans on Lendermarket come with a buyback guarantee.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe and LATAM. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators. Among its partners are Creditstar Group, where Lendermarket's founder currently serves as the CEO, as well as Dineo, ITF, QuickCheck, RapiCredit, and the recently joined CrediFiel from Mexico.^[3]

Investors can choose from various consumer debt investment products that start at €10, including short and long-term loans with durations ranging from 431 days to more than 8.5 years across the current 391 available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €454 to €10,000.^[4]

All loans on Lendermarket come with a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it at the original amount, including both principal and interest.^[5] Furthermore, loan originators are required to invest a specific percentage in each loan, typically maintaining a 5% stake in the game for any particular loan.^[6]

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 loan originators, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists more than 5,000 debt notes available for investment with interest rates ranging from 10% to 18%.^[7] Since its launch, the platform has paid out over €19 million in interest to investors. However, Lendermarket does not disclose payment delays, or loan default statistics.^[8]

The platform does not impose direct fees on lenders. Lendermarket 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 current 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 has been Lendermarket's CEO since September 2023, previously managed Creditstar in Spain, initiating the establishment of a financial microloan company branch. Alongside Federico, Helari Laurent serves as the CTO and Gerad Kostak is the Head of Growth, bringing experience in operations and business development.

According to Lendermarket it tried applying for the crowdfunding license application under European regulations (ECSPR). During that period, new loan listings were temporarily paused.^[9] The deadline for applying to the ECSP crowdfunding license was November the 10th, 2023. The platform has today not received the license as a Crowdfunding platform but is again reselling loans as an investment platform without a specific license.

Lendermarket's last publicly available annual report for the year 2023 shows a profit of €87,836 during the period spanning from December 2022 to December 2023. This profit represents an improvement compared to FY2022’s loss of €257,097. In the same time period the turnover has increased from €1,250,994 from 1,036,016. ^[11]

1. P2PMarketData: “Lendermarket Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Originators”
4. Lendermarket: “Loan Listings - Amount ”
5. Lendermarket: “FAQ - How safe are investments?”
6. Lendermarket: “FAQ - What is skin in the game?”
7. Lendermarket: “Loan Listings - Interest rate ”
8. Lendermarket: “Loan Statistics”
9. Lendermarket: “Navigating Regulatory Waters”
10. Kreedix Group - Score Storybook: “SA Financial Investments OU - Financials”
11. Grant Thornton: “Lendermarket Annual Audit Report 2023”

Lendermarket is a peer-to-peer lending platform registered in Ireland, operating from Tallinn, Estonia and Ireland. The platform serves as the bridge connecting investors, both individual and institutional, to loans facilitated by digital consumer finance companies across diverse European countries, and recently Mexico. Established in 2019 by Aaro Sosaar, who also serves as the CEO and founder of Creditstar Group, a loan originator that offer investments on the platform. 

Investors from the European Economic Area (EEA), the United Kingdom, and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a requirement for participating is a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €428 million from investors, boasting a consistent monthly volume averaging €5.21 million.^[1] The platform claims to have attracted more than 16,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt notes starting at a minimum of €10.
• The platform is owned by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• Loan durations range from 30 days to several years, with interest rates ranging from 10% to 18%.
• All loans on Lendermarket come with a buyback guarantee.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe and LATAM. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators. Among its partners are Creditstar Group, where Lendermarket's founder currently serves as the CEO, as well as Dineo, ITF, QuickCheck, RapiCredit, and the recently joined CrediFiel from Mexico.^[3]

Investors can choose from various consumer debt investment products that start at €10, including short and long-term loans with durations ranging from 431 days to more than 8.5 years across the current 391 available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €454 to €10,000.^[4]

All loans on Lendermarket come with a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it at the original amount, including both principal and interest.^[5] Furthermore, loan originators are required to invest a specific percentage in each loan, typically maintaining a 5% stake in the game for any particular loan.^[6]

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 loan originators, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists more than 5,000 debt notes available for investment with interest rates ranging from 10% to 18%.^[7] Since its launch, the platform has paid out over €19 million in interest to investors. However, Lendermarket does not disclose payment delays, or loan default statistics.^[8]

The platform does not impose direct fees on lenders. Lendermarket 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 current 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 has been Lendermarket's CEO since September 2023, previously managed Creditstar in Spain, initiating the establishment of a financial microloan company branch. Alongside Federico, Helari Laurent serves as the CTO and Gerad Kostak is the Head of Growth, bringing experience in operations and business development.

According to Lendermarket it tried applying for the crowdfunding license application under European regulations (ECSPR). During that period, new loan listings were temporarily paused.^[9] The deadline for applying to the ECSP crowdfunding license was November the 10th, 2023. The platform has today not received the license as a Crowdfunding platform but is again reselling loans as an investment platform without a specific license.

Lendermarket's last publicly available annual report for the year 2023 shows a profit of €87,836 during the period spanning from December 2022 to December 2023. This profit represents an improvement compared to FY2022’s loss of €257,097. In the same time period the turnover has increased from €1,250,994 from 1,036,016. ^[11]

1. P2PMarketData: “Lendermarket Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Originators”
4. Lendermarket: “Loan Listings - Amount ”
5. Lendermarket: “FAQ - How safe are investments?”
6. Lendermarket: “FAQ - What is skin in the game?”
7. Lendermarket: “Loan Listings - Interest rate ”
8. Lendermarket: “Loan Statistics”
9. Lendermarket: “Navigating Regulatory Waters”
10. Kreedix Group - Score Storybook: “SA Financial Investments OU - Financials”
11. Grant Thornton: “Lendermarket Annual Audit Report 2023”

Lendermarket is a peer-to-peer lending platform registered in Ireland, operating from Tallinn, Estonia and Ireland. The platform serves as the bridge connecting investors, both individual and institutional, to loans facilitated by digital consumer finance companies across diverse European countries, and recently Mexico. Established in 2019 by Aaro Sosaar, who also serves as the CEO and founder of Creditstar Group, a loan originator that offer investments on the platform. 

Investors from the European Economic Area (EEA), the United Kingdom, and Switzerland can join the platform. For family trusts, partnerships, and LLC companies, a requirement for participating is a bank account in the EEA, or Switzerland. Since its inception in 2019, Lendermarket has successfully attracted over €428 million from investors, boasting a consistent monthly volume averaging €5.21 million.^[1] The platform claims to have attracted more than 16,000 investors.^[2]

• Lendermarket links investors with loan originators enabling investors access to investments in consumer debt notes starting at a minimum of €10.
• The platform is owned by the same company that owns Creditstar Group, which provides investment opportunities on Lendermarket.
• Loan durations range from 30 days to several years, with interest rates ranging from 10% to 18%.
• All loans on Lendermarket come with a buyback guarantee.

Lendermarket serves as a gateway, connecting investors with various loan originators in Europe and LATAM. Investors enter into loan agreements with Lendermarket, which facilitates the connection between its investor community and the loan originators. Among its partners are Creditstar Group, where Lendermarket's founder currently serves as the CEO, as well as Dineo, ITF, QuickCheck, RapiCredit, and the recently joined CrediFiel from Mexico.^[3]

Investors can choose from various consumer debt investment products that start at €10, including short and long-term loans with durations ranging from 431 days to more than 8.5 years across the current 391 available investments. Loan repayments are made monthly, structured as amortized loans with interest paid and partial principal returned to investors. Lendermarket loans range from €454 to €10,000.^[4]

All loans on Lendermarket come with a buyback guarantee. If a loan is more than 60 days overdue, the loan originator repurchases it at the original amount, including both principal and interest.^[5] Furthermore, loan originators are required to invest a specific percentage in each loan, typically maintaining a 5% stake in the game for any particular loan.^[6]

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 loan originators, where Lendermarket’s founder serves as the CEO, implying some control over the loan supply for investors.

Lendermarket currently lists more than 5,000 debt notes available for investment with interest rates ranging from 10% to 18%.^[7] Since its launch, the platform has paid out over €19 million in interest to investors. However, Lendermarket does not disclose payment delays, or loan default statistics.^[8]

The platform does not impose direct fees on lenders. Lendermarket 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 current 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 has been Lendermarket's CEO since September 2023, previously managed Creditstar in Spain, initiating the establishment of a financial microloan company branch. Alongside Federico, Helari Laurent serves as the CTO and Gerad Kostak is the Head of Growth, bringing experience in operations and business development.

According to Lendermarket it tried applying for the crowdfunding license application under European regulations (ECSPR). During that period, new loan listings were temporarily paused.^[9] The deadline for applying to the ECSP crowdfunding license was November the 10th, 2023. The platform has today not received the license as a Crowdfunding platform but is again reselling loans as an investment platform without a specific license.

Lendermarket's last publicly available annual report for the year 2023 shows a profit of €87,836 during the period spanning from December 2022 to December 2023. This profit represents an improvement compared to FY2022’s loss of €257,097. In the same time period the turnover has increased from €1,250,994 from 1,036,016. ^[11]

1. P2PMarketData: “Lendermarket Statistics”
2. Lendermarket: “Homepage - About Us - Registered Users”
3. Lendermarket: “Loan Originators”
4. Lendermarket: “Loan Listings - Amount ”
5. Lendermarket: “FAQ - How safe are investments?”
6. Lendermarket: “FAQ - What is skin in the game?”
7. Lendermarket: “Loan Listings - Interest rate ”
8. Lendermarket: “Loan Statistics”
9. Lendermarket: “Navigating Regulatory Waters”
10. Kreedix Group - Score Storybook: “SA Financial Investments OU - Financials”
11. Grant Thornton: “Lendermarket Annual Audit Report 2023”