Income
Income Marketplace is an Estonian loan marketplace operated by Income Company OÜ in Tallinn, registered in July 2020 and open to investors since January 2021. Investors buy assigned claims on loans that third-party lending companies have already issued: consumer and short-term loans, car rental and rent-to-buy contracts, business loans and litigation funding. According to the platform, every loan listed carries a buyback guarantee owed by the lending company that issued it, triggered once a borrower is more than 60 days late and covering principal and accrued interest. Income itself does not guarantee repayment. Each lending company also keeps a junior share of the loans it lists, which ranks behind the investors' claims, and if that company fails, Income applies the junior share together with the interest and fees of its portfolio to pay investors first. There is no secondary market, so an investment runs to maturity. The lending companies operate in Bulgaria, Estonia, Indonesia, Kosovo, Latvia, Lithuania, North Macedonia, the Philippines, Spain and the United Kingdom. One lending company, ClickCash in Brazil, was suspended in November 2022 for not honouring its buyback obligation; Income has been paying those investors in instalments out of its own funds ever since, and the case is still open.
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Income in real numbers
Anonymized statistics from all Income portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
12.0%
Based on 287 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 132 stated strategies
Combined portfolio value
€2,115,412
Investors on P2P Dash
405
Interest earned all-time
€446,480
Median cash drag
2.7%
Share of funds sitting uninvested
Compare Income head-to-head
Income returns over time
Median annual return of Income investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
11.6%
128 investors
12.2%
2022
13.7%
2023
13.2%
2024
11.9%
2025
11.5%
2026
Is money moving into Income?
Monthly deposits minus withdrawals across Income investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€551,912
405 investors tracking
In Q3 2026, Income ranks 13 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Income changing?
The strategies Income investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
64
as of Nov 12, 2026
Last 7 days
0
- More cautious
- 1
- More confident
- 0
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 64 | 129 | 1 | 1 | 1 | 0 | 33% | 30% | 14% | 9% | 15% |
| Oct 26 to Nov 1, 2026 | 64 | 128 | 3 | 0 | 1 | 0 | 33% | 30% | 15% | 8% | 15% |
| Oct 19 to Oct 25, 2026 | 63 | 127 | 3 | 1 | 1 | 0 | 31% | 30% | 14% | 9% | 16% |
| Oct 12 to Oct 18, 2026 | 62 | 126 | 1 | 1 | 2 | 1 | 29% | 30% | 16% | 10% | 15% |
| Oct 5 to Oct 11, 2026 | 62 | 125 | 2 | 0 | 4 | 1 | 29% | 31% | 16% | 8% | 16% |
| Sep 28 to Oct 4, 2026 | 61 | 122 | 3 | 3 | 3 | 0 | 26% | 33% | 16% | 7% | 17% |
| Sep 21 to Sep 27, 2026 | 61 | 119 | 1 | 1 | 2 | 0 | 27% | 32% | 15% | 10% | 16% |
| Sep 14 to Sep 20, 2026 | 61 | 117 | 1 | 4 | 2 | 0 | 28% | 31% | 15% | 10% | 16% |
| Sep 7 to Sep 13, 2026 | 61 | 115 | 0 | 0 | 5 | 2 | 30% | 29% | 15% | 10% | 17% |
| Aug 31 to Sep 6, 2026 | 62 | 112 | 2 | 1 | 3 | 2 | 30% | 29% | 15% | 11% | 15% |
| Aug 24 to Aug 30, 2026 | 61 | 111 | 0 | 1 | 3 | 0 | 30% | 29% | 14% | 11% | 16% |
| Aug 17 to Aug 23, 2026 | 62 | 108 | 0 | 0 | 3 | 0 | 31% | 28% | 15% | 10% | 16% |
| Aug 10 to Aug 16, 2026 | 62 | 105 | 0 | 1 | 4 | 0 | 31% | 29% | 14% | 10% | 16% |
| Aug 3 to Aug 9, 2026 | 62 | 101 | 0 | 2 | 3 | 0 | 31% | 29% | 15% | 9% | 17% |
| Jul 27 to Aug 2, 2026 | 63 | 98 | 2 | 1 | 3 | 0 | 32% | 29% | 15% | 8% | 16% |
Alternatives to Income
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking:Consumer loans →Business loans (SME) →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Income
Answers based on anonymized community data from P2P Dash investors.
What is Income?
Income is a peer-to-peer lending platform, founded in 2020 (headquarters: Estonia). On P2P Dash, investors import their Income account statements to track the real net return they earn there.
What return do investors actually earn with Income?
Across 287 Income portfolios tracked on P2P Dash, the median net return (XIRR) is 12.0%. The middle 50% of investors earn between 10.5% and 13.2% (as of November 12, 2026).
How many investors track Income on P2P Dash?
405 investors track their Income portfolios on P2P Dash, with a combined portfolio value of €2,115,412 and €446,480 in interest earned all-time.
How does Income rank among P2P platforms?
Income ranks 10 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Income?
Of 132 stated strategies for Income, 63% plan to add funds or reinvest, 14% intend to hold, and 23% plan to reduce or exit (as of November 12, 2026).
Is Income regulated?
No, Income does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Income offer a buyback guarantee?
Yes, Income offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Income portfolio?
Export your transaction history from Income (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Income?
Based on the community ranking, the closest alternatives to Income in the same asset class are Modena, Revest, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.