Review of Lendermarket

Top 4 Regulated Yield
Updated | November 2026

*Independent analysis and review: P2P crowdfunding, yield, security, and default risks.

Yield
Up to 14%
Type
P2P Private Individuals
Risk
(2/10)
Very High
Liquidity
No Liquidity
Regulated
Yes
Country
Ireland

InvantAPPs score

57/100
  • Deficient
  • On alert
Visit Lendermarket

Breakdown by Category

Detailed scores for each area assessed

 0/20 
Significance within its sector
 0/10 
Ease of use and mobile app
 0/10 
Compound interest payable
 0/10 
Welcome bonus and referral bonus
 0/10 
Tax-friendly
 0/10 
Investment liquidity
 0/30 
Returns and fees

Features

Minimum investment:
10,00 €
Regulation:
ECSP
Withdrawal fee:
Free
Payment methods:
Card · SEPA
Type of investor:
Private individual/Business
Suitability test:
Yes
Geographical exclusions:
Only EU and Switzerland

Platform statistics

Assets under management
60.600.000,00 €
Updated: October 2026
Portfolio health:
Healthy
Current loans: 100%
In arrears/recovery: 0%
34500
Investors

8

Years in active service
2018
Founded
Loans financed:
700.600.000,00 €
Average interest:
13.5%
Audited accounts:
Yes

InvantAPPs Portfolio

  • Withdrawal of capital
Total portfolio:
5.924,00 €

TIR:

16.85%
From:
February 2022
My current investment
View My Portfolio
Roll in a wallet:
Yield

Security: A regulated platform or one with a long track record in the sector.

Liquidity: A platform where funds can be withdrawn quickly.

Returns: A platform offering high returns but carrying a higher level of risk.

Suggested allocation:
3
-5

%

Percentage of the total recommended portfolio capital.

Dedication:
High

Required active management time.

Surveillance:
Active alert

Long term = No worries.

Short-term = Something to watch out for.

Active alert = Immediate attention.

Visit the platform and start investing
Visit Lendermarket
Join our Telegram community to ask questions and connect with other investors.
Join Telegram for free

Videos about Lendermarket

https://youtu.be/Ecqu0ImGJdk
https://youtu.be/bKdHh0dGXJI
https://youtu.be/YgrLQtvbke4
https://youtu.be/LrE785spk2A
https://youtu.be/uKSs3K136j4
https://youtu.be/Wa6L0G5yQUY

Taxation

Withholding tax:
It does not retain
Tax-friendly:
Yes
Model 720:
No
Income Tax Category:
Share capital
Tax certificate:
Yes
According to Lendermarket, refunds are paid without any deductions or withholding taxes, and you are the one who must declare and pay taxes in your country of residence. You can download a Tax Report from your account. Tax Report does Lendermarket not provide tax advice.
Learn more about model 720

Liquidity

Second-hand market:
Early exit:
No
Average loan term:
1-60 months
Time to settle:
Not available
▸ There is no secondary market or early exit: the capital remains until maturity. Its terms warn that you may not be able to sell your investments when you want to.

Yield

Stated return:
Up to 14%
Self-investment:
Yes
Payment frequency:
Monthly

Regulation

  • Regulated
License:
ECSP
Specific European authorization for crowdfunding platforms. There is supervision and transparency, but there is no compensation if the platform fails.
Regulatory entity:
ESMA
Regulated since:
December 2024
See review in the official record:
View details
Supervisory entity:
Central Bank of Ireland
Country of origin of the supervisor:
Ireland
▸ The legal entity is Lendermarket Limited, registered in Ireland with number 585178. It holds an ECSP license from the Central Bank of Ireland since December 2024 and is registered in the ESMA register. According to its terms, the purchase of claims is a separate service that is not regulated by that regulation. Investments are not covered by deposit guarantee or investor compensation schemes.
Learn more about regulation

Guarantees and risk mitigation

A) Type of guarantee
A company in the same group as the borrower agrees to cover the debt with its own assets if the borrower cannot pay. There is no specific asset involved; it depends on the solvency of the lending company.
  • Corporate guarantee
▸ If a loan is delayed for more than 60 days, the originator must repurchase it, with the principal outstanding plus the accrued interest. It is an obligation of the originator, not Lendermarket, and depends on its solvency. According to its terms, the group company of the originator guarantees that buyback with a corporate guarantee. The capital is not guaranteed.
B) Stress scenario
▸ Your uninvested funds are kept separate from those of the platform. They are in a client account protected by a trust declaration. Their terms do not describe a specific closing plan. The investments are not covered by investor compensation schemes.
▸ Depending on the terms, Lendermarket or a guarantor agent claims on your behalf against the originator or the lender, and you cannot manage the collection on your own. If the originator fails to make the buyback, the group company must cover it. If they do not do so, the collection depends on what is recovered from the borrower.
▸ Lendermarket operates under the ECSP framework and maintains investors' funds in a separate client account from its own. According to its general terms and conditions, investments are not covered by deposit guarantee schemes or investor compensation schemes.
C) Additional guarantees

The originator undertakes to buy back the loan from you if the borrower is more than X days in arrears, repaying you the principal and interest. This is subject to the originator remaining solvent.

Buyback

Yes
(60 days)
Originator

A financial buffer that the platform sets aside from its own commission to cover defaults before they affect you. Its effectiveness depends on its actual size relative to the total amount lent.

Reserve fund

No

The originator invests a portion of its own capital in the same loan or portfolio alongside the investors, thereby aligning its interests with those of the investors in ensuring that the loan is repaid in full.

Skin in the game

Yes

Your uninvested money is held in an account separate from the company’s balance sheet, at a bank or regulated payment institution. If the platform goes bankrupt, that money is not included in the distribution to its creditors.

Segregation of accounts

Yes
Visit the platform and start investing
Visit Lendermarket

InvantAPPs Summary

What is it Lendermarket?

Lendermarket It is an Irish crowdlending platform, founded in 2018, to invest in consumer loans from international originators. It holds an ECSP license from the Central Bank of Ireland since December 2024, and if a loan is overdue for more than 60 days, the originator must recomprarepay it. There is no secondary market or early exit. In our scale, it Lendermarket has a moderate-high risk.

https://youtu.be/Ecqu0ImGJdk

Lendermarket Limited is an Irish company founded in 2018 that manages a marketplace for consumer lending from international originators. It offers two services: loans regulated by the European regulation on participatory financing and, in addition, the purchase of claims (Claims), which according to its terms is not regulated.

He holds an ECSP license from the Central Bank of Ireland as of December 2024 and is registered with ESMA. His terms indicate that the investments are not covered by deposit guarantee or investor compensation schemes. Your uninvested funds are kept separate from those of the platform.

If a loan is delayed for more than 60 days, the originator must make recomprait. It is an obligation of the originator, not of the company Lendermarket, and depends on its solvency; the group company backs it with a corporate guarantee. According to our information, most of the offer comes from the Creditstar group, which concentrates the risk.

There is no secondary market or early exit: the capital remains until maturity. Withdrawals are free. The rest of the fees are listed in their price list.

Lendermarket it does not withhold taxes at source, so you declare the interest yourself using the Tax Report that you can download.

We started investing in Lendermarket in 2022. Between 2022 and 2024 we experienced delays in payments from the primary originator that blocked funds for months. In our scale, Lendermarket has a moderate-high risk. We view it as a small and monitored position.

Key points

ECSP license from the Central Bank of Ireland from December 2024.
Corporate guarantee of the originator's group regarding the buyback.
Concentration in a leading group: it buyback depends on its solvency.
There is no secondary market or early exit.
The purchase of claims is a separate service, not regulated.

Pros and cons

ECSP license from the Central Bank of Ireland for its regulated loans.
The group's originator's company backs the deal buyback with a corporate guarantee.
Your uninvested funds are kept separate from those of the platform.
Automatic investment and low minimum deposit, and withdrawing funds is free.
Most of the offering comes from the Creditstar group, which concentrates the risk.
There is no secondary market or early exit.
The purchase of claims is an unregulated service, and investments are not covered by investor compensation schemes.

Experience and social proof

Trustpilot

743 Reviews
4.1/5
See Review

ScamAdviser

0%
Trust score: 71/100
View Analysis
Updated: October 2026

Social media activity

🟡 Not very active
🟡 Not very active
  • Telegram
Private
🟡 Not very active
  • Instagram
⚪ No profile
  • Facebook
⚪ No profile

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Frequently Asked Questions

Is it safe Lendermarket?

Lendermarket It has an ECSP license from the Central Bank of Ireland since December 2024. Its terms indicate that the investments are not covered by deposit guarantee or investor compensation schemes. If a loan is delayed for more than 60 days, the originator must recompracover it with a guarantee from their group. In our scale, it Lendermarket has a moderate-high risk.

How much should I invest in Lendermarket?

We recommend allocating between 3% and 5% of your crowdlending portfolio as a position of yield. The automatic investment allows you to spread it across many loans, which is useful because the offer is concentrated in a single origin group.

How to declare interests Lendermarket in the IRPF?

Interest is taxed like investment income in the base of the IRPF savings, with progressive rates depending on the bracket. It does Lendermarket not withhold taxes at source, so you declare the interest yourself. You can download a tax report from your account. If the 720 form affects you, consult it with an advisor.

What happens if it Lendermarket closes?

Your uninvested funds are kept separate from those on the platform. Their terms do not describe a specific closing plan. The y buyback and its guarantee remain obligations of the originator and its group, and what you recover will depend on them.

Can I leave Lendermarket before the expiration date?

There is no secondary market or early exit: the capital remains until maturity.

What commissions do you have Lendermarket?

Withdrawal of funds is free. The rest of the services with a commission are listed in their price list, and their terms allow you to deduct them from your funds. It is advisable to review them before investing.

Contact and support

Email: support@lendermarket.com
  • High accessibility
They provide service in Spanish:
Yes
Live chat:
Yes
Telegram:
No
Response time:
1–24 hours
Official FAQ:
See the FAQs

Corporate identity

Legal name:
Lendermarket Limited
Country of registration:
Ireland
Registration code:
585178
Registered office:
77 Sir John Rogerson’s Quay, Block C, Grand Canal Docklands, Dublin 2, D02 VK60, Ireland
Work email:
dpo@lendermarket.com

Regulation and equipment

Licence type:
ECSP
Management team
CEO
Carles Federico
Head of Finance
Aldar Tsybikov
CTO
Helari Laurent
Verified profiles:
Profiles that have not been publicly verified
  • The information is taken from public sources and may not be up to date. Always check the official website.

About the author

Antonio Hernández – Founder of InvantApps

Antonio Hernández

Engineer, economist and founder of Invant APPs. I help you achieve financial freedom through smart investing and passive income.

About Me

Legal notice

Investing in crowdlending and crowdfunding involves risks, including the partial or total loss of the capital invested, and past performance is no guarantee of future results. The content on this site is for information purposes only and reflects our personal experience and opinion: it does not constitute financial or tax advice. Some links are affiliate links; the platform pays us a commission, which does not incur any cost to you nor does it influence our analysis.

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