Income
Income Marketplace is an Estonian P2P lending platform founded in 2020 and launched in January 2021. Headquartered in Tallinn, the platform connects investors with international loan originators offering consumer, car, and business loans as well as litigation funding. Income distinguishes itself through enhanced investor protection mechanisms including a 60-day buyback guarantee, junior/senior share structure, and cash flow buffers. The platform has facilitated investments in loans from originators across Europe, the UK, and Indonesia.
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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)
12.2%
Based on 234 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 99 stated strategies
Combined portfolio value
€1,634,916
Investors on P2P Dash
327
Interest earned all-time
€360,315
Median cash drag
2.5%
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
11.4%
96 investors
12.2%
2022
13.6%
2023
13.1%
2024
11.9%
2025
11.0%
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
+€233,749
327 investors tracking
In Q2 2026, Income ranks 19 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Alternatives to Income
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 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 234 Income portfolios tracked on P2P Dash, the median net return (XIRR) is 12.2%. The middle 50% of investors earn between 10.8% and 13.3% (as of August 3, 2026).
How many investors track Income on P2P Dash?
327 investors track their Income portfolios on P2P Dash, with a combined portfolio value of €1,634,916 and €360,315 in interest earned all-time.
How does Income rank among P2P platforms?
Income ranks 13 of 34 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 99 stated strategies for Income, 59% plan to add funds or reinvest, 16% intend to hold, and 25% plan to reduce or exit (as of August 3, 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 Nectaro, Afranga, Modena. Each platform page shows real median returns and investor numbers from the P2P Dash community.