What Lendermarket does

Lendermarket is a peer-to-peer lending marketplace that connects individual and institutional investors in Europe with consumer-loan originators in Europe and Latin America. Founded in 2018 and headquartered in Dublin, the company operates an EU-regulated investment platform under Regulation (EU) 2020/1503, supervised by the Central Bank of Ireland. Investors can manually select loans or use the Auto Invest feature to programmatically match funds to loans within a 10–15% target interest band; a 60-day Buyback Guarantee (provided by the originator) plus the originator's own 5–10% skin-in-the-game provide downside protection. As of February 2026, the platform serves 27,000–34,000 registered investors with €610.5M of cumulative inflows, €62.8M of active AUM, €42M+ earned by investors and a self-reported 0.00% default rate.

The platform architecture is a web application with mobile access, localized in seven languages (English, German, Spanish, French, Italian, Finnish, Polish), and is supported by offices in Dublin, Berlin, Madrid, Paris (La Défense) and Tallinn. Core technology components include the quarterly-updated Lendermarket Risk Rating (a five-factor originator scoring model) and an originator onboarding framework. The supply side consists of six consumer-loan originators — Rapicredit (Colombia, 15.56%), Credifiel (Mexico, 12%), Dineo (Spain, 12%), Creditstar Group (Europe, 14%), Gatelink (Estonia, 11.45%) and RapiCredit Iberica (Spain, 15–18%, launched November 2025). The 2026 roadmap adds Auto Invest FLEX, a 360-day Flexible Term Investment product, and a Secondary Market for early exit.

Lendermarket monetizes through transaction/service fees on investor activity and originator listing/onboarding fees, with no publicly disclosed fee schedule ("no hidden fees" messaging). Distribution is product-led and self-serve, with €75-per-referral incentives and multi-channel marketing (paid social, SEO, content, industry events, LinkedIn/YouTube/Instagram/TikTok). Geographic restrictions exclude the US, UK, China and Russia, and individual retail investors are the primary customer segment, with secondary institutional access.

Name

Lendermarket

Legal name

Lendermarket Limited

Website

https://lendermarket.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Lendermarket is an EU-regulated P2P lending marketplace connecting 27,000+ retail investors with six consumer-loan originators across Europe and Latin America, offering automated investing, a 60-day buyback guarantee and a 13.46% weighted-average interest rate.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Consumer Lending (522291)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industry

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)

Keywords

• Peer-to-peer lending
• Consumer loan investment
• Crowdfunding platform
• Passive income investing
• Automated portfolio investing

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Platform Transaction/Service Fees: Lendermarket generates revenue by charging fees for investment services on the platform. The platform explicitly states 'No hidden fees', suggesting transparent fee structure. The company is regulated under EU crowdfunding regulation and provides services both covered and not covered by that regulation.
2. Loan Originator Listing Fees: Loan originators pay to list their loans on the Lendermarket platform, providing funding access through the platform to their borrower networks. Originators include Rapicredit, Credifiel, Dineo, Creditstar, Gatelink, and RapiCredit Iberica.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Lendermarket is a peer-to-peer lending platform that connects individual and institutional investors with borrowers through established loan originators (such as Rapicredit, Credifiel, Creditstar, Dineo, Gatelink, and RapiCredit Iberica). Investors can earn high-yield returns (13.46% weighted average) by investing in short-term consumer loans, with options for manual loan selection or automated investing via the Auto Invest feature. The platform is regulated by the Central Bank of Ireland as an EU Crowdfunding Service Provider and offers a Buyback Guarantee for investor protection.

Product overview

Lendermarket is a peer-to-peer (P2P) lending platform that operates as a unified investment marketplace connecting individual and institutional investors with borrowers through trusted loan originators. The platform offers a core P2P Lending Platform supplemented by flexible investment tools including manual Invest in Loans selection and automated Auto Invest/FLEX features. Key protective mechanisms include the Buyback Guarantee and proprietary Lendermarket Risk Rating system. Upcoming products include Flexible Term Investment and Secondary Market. The platform is EU-regulated and provides services across multiple languages including English, German, French, Spanish, Italian, Finnish, and Polish.

Differentiator

Problem solved

Functional benefit

Products and services

• P2P Lending Investment Platform Core online platform that enables individual and institutional investors to fund short-term consumer loans originated by partner lending companies and earn interest income, with transparent fee structure and a Buyback Guarantee on defaulted loans.
• Auto Invest

Quantifiable outcome

• 13.46% weighted average interest rate for investors
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Six partnerships are on record, tiered supporting and core.

• RapiCredit IbericasupportingTechnology or Integration · 1 November 2025RapiCredit Iberica is the strategic expansion of RapiCredit Colombia model into the European market. Launching operations in November 2025, dedicated to revolutionizing financial inclusion in Spain, targeting 8.5 million adults without access to traditional credit. Average interest rate 15.00% with 10% skin in the game.
• Gatelink International OÜsupportingTechnology or Integration · 1 January 2024Gatelink International OÜ is a Loan Originator headquartered in Estonia, established in 2024. Through the Lendermarket platform, Gatelink raises funding to provide business financing to established lending companies. Average interest rate 11.45% with 5% skin in the game.
• RapicreditcoreTechnology or IntegrationRapicredit is the largest microlending fintech in Colombia, providing consumer loans to individuals without access to traditional banking. They focus on financial inclusion, helping millions transition from informal loans to secure options. Average interest rate 15.56% with 10% skin in the game.
• CredifielcoreTechnology or IntegrationCrediFiel offers innovative financial solutions to underserved sectors in Mexico, aiming to improve quality of life through ethical high-quality services. Average interest rate 12% with 10% skin in the game.
• DineocoreTechnology or IntegrationDineo offers offline and online financial solutions for individuals seeking consumer loans in Spain. With a network of 75 locations, they focus on non-digital users while maintaining strong financial performance. Average interest rate 12% with 5-10% skin in the game.
• Creditstar GroupcoreTechnology or IntegrationCreditstar Group is a leading provider of consumer financial services in Europe, offering unsecured online consumer loans with flexible repayment terms and responsible lending practices. Average interest rate 14% with 5% skin in the game.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Funding Circle: Funding Circle is a UK-based large P2P/SME lending platform listed on the London Stock Exchange. Comparable as an established EU-adjacent P2P incumbent with marketplace structure, though focused on SME rather than consumer credit.
• LendingClub: LendingClub is a US-listed large-scale P2P lending platform originating personal loans directly and offering them to investors. While US-based (excluded from Lendermarket's reach) and operating at much greater scale, it represents the broader P2P consumer lending category in which Lendermarket competes.

Direct peers

• VIAINVEST: VIAINVEST is a Latvia-based P2P lending marketplace owned by VIA SMS Group, offering investments in consumer loans from multiple European originators with a buyback guarantee. Comparable to Lendermarket on multi-originator marketplace model and EU retail investor focus.
• Estateguru: Estateguru is an Estonia-headquartered P2P marketplace focused on real-estate-backed loans across Europe. It is comparable to Lendermarket as another EU-regulated, marketplace-based P2P investment platform, though with a different underlying asset class.
• Mintos: Mintos is a Riga-based P2P lending marketplace operating across Europe with multi-originator loan listings, a buyback guarantee mechanism, and an Auto Invest feature. It is the most direct competitor to Lendermarket in the EU retail P2P space, sharing the same core marketplace model and target investor segment.
• PeerBerry: PeerBerry is a Lithuania-based P2P marketplace backed by Aventus Group, offering consumer and business loans from partner originators with a buyback guarantee. Directly comparable to Lendermarket on marketplace structure, originator-based supply, and EU retail targeting.
• IUVO Group: IUVO is a Bulgaria-based P2P lending marketplace operating with multiple loan originators across Europe, offering consumer loan investments to retail investors with a buyback guarantee. Directly comparable to Lendermarket on platform model and regulatory approach.
• Robo.cash: Robo.cash operates a P2P marketplace connecting investors with short-term consumer loans from a network of originators, primarily in emerging Europe and Asia. It is directly comparable to Lendermarket in marketplace structure, multi-originator model, and target yield range.
• Bondora: Bondora is an Estonia-headquartered P2P platform offering consumer loan investments to EU retail investors with both manual and Go & Grow automated investing products. It is comparable to Lendermarket as an EU-regulated, self-serve retail-investor P2P platform.

Others

• Creditstar Group: Creditstar is both a Lendermarket loan originator partner and an independent consumer lender offering its own lending services in Europe. Included because it represents the originator-counterparty side of Lendermarket's two-sided marketplace and has adjacent consumer credit operations.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@lendermarket
• Facebookfacebook.com/lendermarket
• LinkedInlinkedin.com/company/lendermarket
• Instagraminstagram.com/lendermarket
• TikToktiktok.com/@lendermarket
• Xx.com/lendermarket

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lendermarket