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Income Marketplace is a new player in the FinTech field. Based in Estonia, this crowdlending marketplace offers its investors a platform that’s safe and transparent. Their Cashflow Buffer and diverse Loan Originators make P2P investing look promising.

If you’re interested in this new platform, then keep reading. We’ll be reviewing Income Marketplace in this review to help you decide whether or not it’s right for you.

Income Marketplace Overview

Income Marketplace was founded in 2020. It’s one of Estonia’s newest crowdlending marketplaces that allows you to select and control Loan Originators while using risk management mechanisms like Cashflow Buffers. It’s an interesting way to invest in P2P.

Their CEO, Kimmo Rytkönen has a solid background in FinTech. One of the companies he has helped to build is Tunaiku, the lending arm of recently IPO’d Amar Bank in Indonesia. The whole team also has a proven track record in their field. They have a background in management, fundraising, international finance, consumer lending, and P2P investment.

The company’s goal is to make loan investing more transparent and secure. It’s a place where you can invest in loans to earn passive income effortlessly.

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Peer-to-Peer lending creates a marketplace that offers both parties what they seek. On the one hand, the system allows borrowers to avoid the hassle of turning to a bank and oftentimes – benefit from more competitive interest rates.

In the case of lenders, the phenomenon allows you to invest your money into third-party loans that typically offer a much higher yield than that of traditional assets.

Robocash is one such provider that caught my eye. Launched in 2017 – it offers a fully automated financial platform that follows the core principles of the peer-to-portfolio model. The service delivers an opportunity for you to invest in loans facilitated by Robocash Group.

In this review, I explore the ins and outs of how Robocash works, what loans you are investing in, how much you should expect to make, and of course – what risks to consider.

What is Robocash?

Robocash is behind a group of subsidiaries that offer robotic financial services in the lending marketplace, subsequently funding alternative loans. It focuses on providing automated fintech solutions and making international investments accessible to everyone.

The peer-to-peer lending process sits at the core of RoboCash Group. It primarily targets European investors, albeit, plans are being made to expand further afield in the near future.

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Bondster is an online peer-to-peer (P2P) lending platform that allows you to invest in loans of various types. You will be financing loan originators who in turn will lend the money to the end borrower. All in all, Bondster offers some of the highest yields in this particular space at up to 17% annually.

But, to what extent is your money at risk?

This is exactly what I intend on finding out in my Bondster review. Within it, I cover everything you need to know to determine whether this P2P lending site is right for you. I’ll explain how the Bondster platform works, who you’ll be lending money to, what returns to expect and ultimately – how safe your investments are.

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The online crowdfunding arena now touches a vast number of investment sectors. As you likely well know, this covers everything from real estate, consumer and business loans, development financing, and even fine art. With that said, a rather interesting sector that is yet to fully take-off is that of litigation crowdfunding.

This is where you will be – alongside your fellow crowdfunding platform members, financing legal cases. In return – and on the proviso that legal proceedings are financially successful, you as an investor will be entitled to your share.

If you’re keen to find out more about this somewhat innovative crowdfunding opportunity, I welcome you to read my in-depth AxiaFunder Review. I cover each and every metric that I think you should consider before taking the plunge – such as how AxiaFunder works, what types of cases you can invest in, expected returns, and of course – the underlying risks involved.

What is AxiaFunder?

Founded in 2016, AxiaFunder is an online crowdfunding platform that specializes exclusively in litigation finance. Before I go any further, it is relevant for me to quickly outline the fundamentals of what litigation finance actually is – as it might be something you haven’t previously come across.

In its most basic form, litigation finance allows those seeking financial damages through the courts to fund their claim when they are unable to do so themselves.

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In this review, I’ll be taking a look at Swaper, one of my favorite P2P lending platforms in both function and design.

Swaper is one of the latest entries into the P2P lending space in Europe, having started operations in May 2019. They have found success pretty quickly though, amassing more than 4000 active investors, 160m euro in investments and 2.1m euro in interest paid back to investors.

What is Swaper?

Swaper is a P2P lending platform, where you can earn up to 16% annually. The minimum investment is €10. There are no fees for investors, including the secondary market.

Swaper differs from other platforms by operating with only one loan originator, Wandoo, as well as offering all loans at a fixed 14% interest return. If you’re a VIP investor (details below) you will earn 2% more, therefore 16% annually.

You can invest in either EUR and GBP to avoid money transfer fees.

A buyback guarantee is also in place, whereby when borrowers are late for more than 30 days, Swaper will buy back the loan from the investor.

As an investor, you can also make use of the auto-invest system to invest money automatically, for example a set amount every week, or also to reinvest the interest received.

Swaper operates and provides its services under the legislative acts of the Republic of Estonia. Swaper is not a regulated financial institution and the claim rights offered for purchase on Swaper’s website are not considered as securities or any other regulated financial instruments.

Therefore the business activities of Swaper do not fall under the supervision of any Financial Supervisory Authority. Your investments are not guaranteed in any way. This is pretty normal for P2P lending platforms, although if this is your first P2P lending investment I would advise that you take this into consideration and make sure you’re comfortable with the risk before taking the plunge.

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