Help centre

Pending Payments represent earned interest and principal repayments that have not yet reached your Available Balance.

You can deposit funds into your Lendermarket account using either a bank transfer from your personal or business bank account or by making a deposit with your card (additional charges may apply from the card provider). Bank transfers are low cost and reliable while card deposits provide a faster and more convenient way to top up your account instantly. Card deposits may be subject to a processing fee, which is shown before completing the transaction.Transfers in EUR can be done easily and at low cost using SEPA (Single Euro Payments Area) transfer. If your bank does not use SEPA transfers, your payment will be automatically rejected as we do not accept SWIFT transfers.

Please note that it is mandatory to include your reference number in the payment description in order for us to correctly associate the deposit to your account.

Lendermarket is an investment platform that connects investors with investment opportunities offered by a range of carefully selected lending partners (“Loan Originators”). We provide a way for individuals and businesses to earn passive income by investing in these loans.
Lendermarket Limited is regulated by the Central Bank of Ireland and provides services regulated under Regulation EU 2020/1503 (the Crowdfunding Regulation) as well as services not covered by the Crowdfunding Regulation.

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Loan Originators are independent lending companies that originate loans to end borrowers and offer these loans for investment through the Lendermarket platform. They are responsible for borrower underwriting, loan servicing, and repayments to investors. Lendermarket does not issue loans to borrowers and does not act as a lender.

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Simply browse our loan list available here to find the loans that meet your investment preferences. Alternatively, you can avail of our useful Auto Invest function to optimize your efforts even more.

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Investors select whether they wish to invest in Regulated or Unregulated services during onboarding and can review this selection at any time in their account settings.

Regulated service: Crowdfunding Service offered by Lendermarket as a Crowdfunding Service Provider authorised by the Central Bank of Ireland in line with Regulation (EU) 2020/1503.

Unregulated service: Claims Assignment Service offered by Lendermarket falling outside of the framework of Regulation (EU) 2020/1503.

For further info about the difference between the Regulated Service and the Unregulated Service, please refer to the Services Statement and the website.
For investors, the key difference is stronger and more structured protection for regulated services. Under the ECSP framework, investors receive clearer risk warnings, have their investment knowledge assessed, and can make informed choices by pre selecting services before investing.

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As with all investment opportunities, investments on the Lendermarket platform involve a degree of risk. While all investing involves risk, Lendermarket uses a multi-layered security approach to protect your capital:

Due Diligence: We only partner with Loan Originators who pass a strict audit. This includes checking their financial health, underwriting standards and management history.

The Buyback Guarantee: If a borrower is more than 60 days late on a payment, the Loan Originator is contractually obligated to buy back your investment at full principal value plus accrued interest.

Ongoing Monitoring: Partners must provide quarterly financial reports. We use "covenants" (legal safeguards) to ensure their risk levels do not increase over time.

Asset Security: the Loan Originator grants to the Investor a security interest in Loan Receivables to secure payment of the Limited Recourse Loan and performance of all Loan Originator’s obligations under this agreement and the Buyback Agreement.

In the event the borrower does not repay in accordance with their obligations or at all, the Loan Originator will pay you back the principal amount and accrued interest, thereby significantly reducing the risk of capital loss, subject to the Loan Originator’s ability to meet its obligations.

Yes, you can make a deposit from a joint bank account as long as your name is clearly indicated as an owner of the bank account. When making a deposit please make sure to include your investor ID (12 digit number starting with 5) in the payment reference field.
​To avoid any potential delays, we recommend sending deposits from your personal bank account, as often joint bank accounts do not show account holder names clearly, or in full.

Creating an account is quick and easy, simply visit our sign up page and follow the instructions on the platform. You can set-up your account as a Private or a Business account. After the registration process is complete, you are required to verify your identity through our trusted partner Veriff. Once your identity is successfully verified you can deposit funds and start investing. Please note, user acceptance is subject to our Platform Rules.

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Loan Originators may be regulated in their respective jurisdictions depending on the country in which they operate. Their regulatory status and key details are disclosed on the platform and in the relevant loan documentation.

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Once you have reviewed and confirmed your investment, it cannot normally be cancelled.
However, under the EU Crowdfunding Regulation (EU) 2020/1503, non-sophisticated investors have a 4-day cooling-off period, during which they may cancel their investment without penalty. For more details, please see below “Unregulated service” description.

You can pause, edit, or delete your Auto Invest portfolio at any time. All investments made through Auto Invest are fully visible in your account, just like manual investments. You can also reactivate Auto Invest at any moment by clicking the Activate button.
Please note, if you edit your Auto Invest portfolio, any existing investments will continue as they are. The updated settings will only apply to new investments going forward.

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Protecting your personal data is a top priority for us. Lendermarket stores and processes all information using secure, encrypted systems that comply with the highest industry standards and applicable data protection laws, including the GDPR.
We implement strict access controls, secure data storage and continuous monitoring to ensure that your information is protected from unauthorized access, misuse, or loss.

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When the borrower repays the loan before the scheduled term, your earned amount will be calculated according to the actual loan repayment date and transferred to your investor’s account.

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We only accept deposits from bank accounts that are verified and registered in the investor’s name.

No, you can only have one investor account on Lendermarket.

Yes. Lendermarket may onboard new Loan Originators in order to provide  investors broader investment opportunities. Any material changes are communicated transparently to investors. Loan Originators  “Project Owners” may join or pause their activity on the platform in line with their changing operational needs and broader market conditions.

Lendermarket is open to new business opportunities and to provide funding to your business, for more details, please visit Loan Originators page.

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The minimum investment in any loan on the Lendermarket platform is €10.00.

Once you confirm your investment criteria, Auto Invest automatically reviews the loan list and begins investing in loans that match your selected preferences. Whenever you update your investment settings, the system will review the loan list again and identify any new loans that meet your amended criteria.

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The investment agreements are made between Investors and Loan Originators, whereas Lendermarket’s role is to service the contract. 

The agreement models that Lendermarket operates under are Limited Recourse Loan Agreements, Limited Payment Loan Agreements and Assignment Agreements respectively.. The use of differing agreement models is in response to the need to respect and adhere to the banking laws of some of the jurisdictions that our Loan Originators operate in. 

With the Assignment Agreement, Loan Originators assign the title and economic rights in the underlying loan receivables to Investors, whereas, the Limited Recourse and Limited Payment Loan agreements perform as a repayable loan instrument.

We only accept transfers in Euro, however as part of our Product Vision 2026, we are aiming to support multi currency accounts.

We invite both individuals and companies to invest through the Lendermarket platform. 

Individual investors are required to:

• be at least 18 years old;
• have a bank account in the European Economic Area or Switzerland;
• have their identity successfully verified by the Lendermarket team;
• have a tax residency within the EU or Switzerland

In some cases, loans may be made available through intermediary or structured arrangements, depending on regulatory or jurisdictional requirements.
In such cases, full details are disclosed in the relevant loan documentation and Key Investor Information Sheet (“KIIS”).

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There is no maximum investment amount. However, your investment is limited by the “Available for investment” amount shown for each loan.

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When Auto Invest is not investing, it is most often because there are no available loans that match your specific investment preferences.  It is also a good idea to review your settings as your portfolio size limit may have been reached or the Reinvest feature may not be enabled.

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There are two different types of KIIS document which are offered under Regulated services and Auto Invest:

Platform KIIS is a single document relating to the Auto Invest function provided by Lendermarket. This document provides a general overview of the Lendermarket platform, including how it works, risks involved, investor rights, fees, and legal protections. It is not linked to any specific investment, but explains the overall investing environment, structure, and regulatory framework of the platform.

A Project KIIS is a document that relates to each individual loan offered on the Lendermarket platform. It contains specific information about the loan (crowdfunding project) and the Project Owner (Loan Originator). Under the EU Crowdfunding Regulation, the Project KIIS must be provided by the Project Owner (LO) and made available at the moment the loan is published on the platform. According to EU law, the KIIS must contain specific information. The specific information requirements are set out by Article 23 of the European Crowdfunding Service Providers Regulation, 2020/1503, available here. 

Please inform us at support@lendermarket.com about the error as soon as possible.

To open a Business account, we must complete ‘Know Your Business (“KYB”)’ checks before any funds can be deposited. KYB checks are required under Anti-Money Laundering and Combatting the Financing of Terrorism (“AML/CFT”) regulations in order to verify the company, its authorised representative, and its Ultimate Beneficial Owners (UBOs).

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The quickest way is to log in to your account and check the “Earnings Breakdown” block on the Dashboard, which shows your earned interest. Alternatively, you can view all transactions in your account on the “Statement” page. Use the filters to see the income earned from your investments at any given period.

You can set the priority of your Auto Invest portfolios by dragging the six dots next to the portfolio number and dropping the portfolio up or down, according to your preference.. The system follows this priority order when selecting which portfolio to use.

Lendermarket Limited observes strict ‘Know-Your-Customer (KYC)’ and ‘Anti-Money Laundering & Combatting the Financing of Terrorism (AML/CFT)’ controls. All of the information requested from you will enable us to sufficiently monitor AML/CFT activities. Therefore, Lendermarket Limited reserves the right to seek additional information and documentation from you in order to satisfy our regulatory and legal obligations in respect to this area. 

In addition, once regulated, we need to classify investors based on their knowledge and experience, and establish investment limits based on investor’s wealth.  

For full details on the platform and service fees, please visit www.lendermarket.com/fees.

All interest rates are calculated up until the repayment date and expressed as annual figures. Interest rates are calculated based on the following formula: Residual amount invested x Interest rate (%) / 360 x Period of investment.

You must provide updated information to Lendermarket whenever there are changes to your personal or company details that could affect your investor profile, regulatory status, or risk assessment.
Investors must provide updated details in the following instances:

All investors

• Change in Tax Residency;
• Change in Bank Account details;
• Change in PEP (Politically Exposed Person) status;
• Change in your Source of Funds;
• Change in your purpose of using the Platform.

Companies

• Insolvency Event;
• Change in BOs (Beneficial Owners);
• Change in your Investment Policy;

The investor is fully responsible for paying all taxes arising from any repayments obtained as a result of its investment based on the legislation of the respective country. All repayments will be paid from Lendermarket to the investor’s bank account without any deduction or withholding for or on account of any tax obligations.
Lendermarket does not provide any tax advisory services to the investors and we strongly suggest seeking professional tax advice.

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Interest rate shows the weighted average interest rate for all the investments you have made.

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For maximum security, we recommend activating Two-Factor Authentication (2FA) and updating your password regularly. If you feel unsafe or suspect your account has been hacked, please contact our support team as soon as possible.

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No, only when the funds have been released to your Available Balance they can be withdrawn.

It's easy! You need to transfer at least €0.01 (one cent) from your new bank account to Lendermarket's bank account for verification purposes. Your new bank account will be registered under your profile, then you will be able to deposit and withdraw funds to such account.

Please note that you can only switch to a bank account opened in a bank operating within the European Economic Area (EEA), UK or Switzerland.

The graph illustrates your account value over the last 3 months.

Yes! If you invite your friend to invest, we will give you both a €75 bonus once your friend makes a cumulative deposit of at least €500 and fully invests it within 30 days of creating their account. For full terms, please login and visit our referral link.

You can initiate a withdrawal at any time for the funds shown as “Available balance” in your investor account. Please note that you cannot withdraw funds that are currently invested in loans.

You can download your Tax Report by logging into your account, clicking on your initials in the top right corner, and selecting “Tax Report”. Tax reports are provided for informational purposes only and may not reflect individual tax obligations in all jurisdictions.

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Join the Lendermarket Affiliate Program and start earning from every lead you bring!

You’ll earn a commission on each referred investor and continue earning a percentage of their investments from the 90th day onward. It’s a powerful way to build ongoing passive income while helping investors discover new opportunities.

For more information or to join, please contact our Partnership team at partnerships@lendermarket.com.

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Card withdrawals are subject to a processing fee which is displayed before confirmation.

Lendermarket imposes no charges for the first withdrawal in the calendar month to a Bank account. Any additional bank account withdrawals during the same calendar month will be subject to a €2 withdrawal fee. Please note, your bank or money transfer service provider may charge additional fees for transfers. We suggest consulting your bank or money transfer service provider to get more information on any such fees.

Loan Originators provide Buyback Guarantees on Lendermarket’s platform. The Buyback Guarantee obligates the Loan Originator to repurchase loans which are more than 60 days past their due date.
Due dates can change depending on the Loan Originator’s extension policy and the borrower’s circumstances. Each Loan Originator’s extension policy is accessible under each loan.
When a loan is overdue, you continue accruing interest until the end-borrower pays back the loan or the  Buyback Guarantee is activated.  Buybacks are paid at the nominal value of the outstanding principal plus accrued interest.
Full details of the Buyback terms are available on each investment.

You can request an account closure at any time after withdrawing all of your available funds and there are no active investments. Certain regulatory obligations may require us to retain account data for a defined period.

In most cases, Lendermarket will process your withdrawal within 3 business days after your request.
Processing times may vary during public holidays or if additional compliance checks are required.

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“Skin in the game” means that the Loan Originator has invested their own money into the loan or project.
For example, if a project is worth €10,000 and the Loan Originator has 10% skin in the game, they have invested €1,000 of their own funds. This means they also share the risk if the project fails, they lose their own money too. On Lendermarket, all Loan Originators are required to keep a portion of every loan they offer.

So if a Loan Originator keeps 10% skin in the game, the remaining 90% is made available for investors to fund. This helps ensure that Loan Originators’ interests are aligned with those of investors.

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Yes, it’s easy! To verify your new bank account, you need to transfer at least €0.01 to your Lendermarket’s account. Once verified, the new bank account will be registered under your profile, and you will be able to deposit and withdraw funds using that account.
Please note that you can only switch to a bank account opened in a bank operating within the European Economic Area (EEA) or Switzerland.

You can see the expected payments from your investments under “My Investments” > “Investment section” and “Estimated next payment.”

Yes, the minimum amount for withdrawal is 50.00 €. If the account value is less than 50.00 €, investors can only withdraw the total amount of their account value.

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