Estonian startup earns € 540K for its investment platform that connects investors to non-bank ND

IncomeA fintech company located in Talin that connects the audited non-bank ND to the retailers and institutional investors, to scale its platform, to make its nder-donor base more widening, and $ 1.5 million for the Mexico and the Philippines to enter the Motpine funds.

This amount was committed by long -term shareholder Dr. Hauptman, the company is now providing $ 250 for retailers through CWLink.

CEO Lava The platform is responding to more mature retail investor categories: “Retailers are no longer satisfied with opaque, yield-stricken platforms. We have created income to serve a new investor profile, more informed, more alert and growing protection that mirrors mirror the institutional valueThe “

Established in 2021, income is an investment platform that connects the non-bank ND to the Retailers and Institutional investors’ emerging and advanced markets. The platform appoints a structural risk structure with junior shares, cashflow buffer, and a bake -back obligation to strengthen the protection of investors in personal debt portfolios.

As in 2021, more than $ 1 million loans have been funded by income, more than 9,000 approved investors and $ 19 million for investment.

In response to a increasing investigation into investors in private debt markets and increasingly investigating the quality of the LOAN, the income of the income is more transparent and risk-metering alternatives for the conventional peer-to-peer nding.

According to income, their model removes the previous platforms that emphasize the yield of risk transparency. Its legal and operational structure is structured to allocate the risk between the LOAN -promoters and investors to provide more elastic and estimated investment experiences.

Prior to this round, income collected about $ 3 million in Equity Capital. The initial € 1 million pre-marks support the structure of the company and the development of the initial platform, then the platform is dedicated to scaling € 1.3 million and the operational continuity indicates € 700K.

The amount of income ended with $ 19 million for LOAN invest in 2024, which identifies a 77% increase in comparison to the previous year. During the same period the revenue increased by 54% at € 509K, while the company recorded the net loss of € 599K. Since the launch, the platform has made it easier for $ 150 million in Loans and currently supports more than 9,000 approved investors.

In anticipation of 2025, outstanding investments to reach $ 36 million have reached an active investor base on € 908K and over 8,000 accounts. Although the company remains in an growth stage and predicts the net loss of € 428K for the year, management expects that AOM is expected to reach the operational brakes as they approach the $ 35-40 million range. By 2026, the company’s goal is to increase the AOM to $ 5 million, to generate $ 1.4747 million in revenue and reach more than $ 5 active investors.

The main part of the platform value proposal is its multi-level approach for risk management. LOAN -ORRIANDERS need to retain a portion of each LOAN, mentioned as junior shares, the losses are first identified in their default. In addition, the income cash flow ordered the use of the buffer, which is forced to cover the ND owners to cover the money paid. If a NDD is facing a financial crisis, the income process can be accepted through the predetermined legal system. Each LOAN also includes an obligation to buy a re -purchase, adding an additional layer of protection for investors.

Founding Kimo RightcaneWho had earlier Indonesian Digital Bank was co-founded, emphasized that these structural features are more than cosmetics: “The structure we applied is not a marketing equipment, it is a deliberate system to manage the low quality risk. This is what investors care now.“

The current fund will be used to expand investors’ base, to expand the new non-bank ND to the ship, to increase the usability of the platform, and to hire the main role in engineering and analysis.

Income currently works with a team of nine employees and plans to scale the selected by increasing the complexity of the product and market. A major product milestone for 2021 is the introduction of a secondary market that allows investors to get out of position before maturity, which adds a common fluidity anxiety to private Debt markets.

There are plans to double the number of LOAN -promoters on the platform of income, and by 2021, it has increased from 1 to 22 by 2021. Expansion in Mexico and the Philippines are already running, in terms of areas where bank financing is limited and non-bank capital demand is increasing.

According to Tudakov, these markets present a compulsory intersection of credit and regulatory exposure.

The company has informed that internal interests are increased from institutional investors across Europe and Southeast Asia, run by the growing hunger for alternative credit exposure. Conversations, once fully focused on the yield, are now centered on the power of legal protection and the transparency of the loan promoters.

“It is no longer anymore to promise the return” Two Connected ”The question is: What happens when things go wrong? Our model shows its strength hereThe “