Led · Seed · Mar 2022

Income operates a platform that links retail and institutional investors to vetted non-bank lenders using a structured risk framework (Junior Shares, Cashflow Buffers, and Buyback Obligations) to strengthen investor protection. The company has funded more than €150 million in loans, has over 9,000 approved investors, and reported €19 million in investments outstanding as of 2025. Income ended 2024 with €509k in revenue and a net loss of €599k, and it projects investments outstanding of €36 million and revenue of about €908k for 2025 while forecasting a net loss of €428k. Management expects to reach operational break-even as AUM approaches the €35–40 million range and aims for €60 million AUM and €1.47 million revenue by 2026 with more than 14,000 active investors. Key product developments include a planned secondary market to improve liquidity and a roadmap to double loan originators from 11 in 2024 to 22 by 2026. The company currently employs nine people and plans selective hires in engineering and analytics; planned geographic expansion includes Mexico and the Philippines. Income is an Estonia-based fintech platform (getincome.com) that offers secured investments in loans. In its first year it has partnered with six fintech lenders and attracted more than 1,800 investors who have invested €7 million through the platform. The company reports a post-money valuation of €10 million. CEO and founder Kimmo Rytkönen said demand and growth opportunities are strong, with established fintechs connecting to arrange listings of their loans. The company is focused on expanding its marketplace listings and investor base via crowdfunding channels. Its current financial position includes completion of a Series Seed securities crowdfunding round raising €1.3 million.