{"id":13101,"date":"2024-03-18T09:48:41","date_gmt":"2024-03-18T09:48:41","guid":{"rendered":"https:\/\/getincome.com\/blog\/funciones-de-seguridad\/"},"modified":"2026-10-28T11:01:20","modified_gmt":"2026-10-28T11:01:20","slug":"funciones-de-seguridad","status":"publish","type":"page","link":"https:\/\/getincome.com\/blog\/es\/funciones-de-seguridad\/","title":{"rendered":"Caracter\u00edsticas de seguridad"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13101\" class=\"elementor elementor-13101 elementor-7114\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-23f4cccb elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"23f4cccb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4c98f33c\" data-id=\"4c98f33c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e915653 elementor-widget elementor-widget-text-editor\" data-id=\"e915653\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><a href=\"\/\" class=\"header-logo\" target=\"_self\"><img decoding=\"async\" src=\"\/img\/income.dd175754.svg\" width=\"110\" alt=\"Income Marketplace\" class=\"income-logo\"><\/a><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-260a49d8\" data-id=\"260a49d8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5cb727c6 elementor-nav-menu__align-end elementor-nav-menu--stretch elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"5cb727c6\" data-element_type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;i class=\\&quot;\\&quot;&gt;&lt;\\\/i&gt;&quot;,&quot;library&quot;:&quot;&quot;},&quot;layout&quot;:&quot;horizontal&quot;,&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<nav class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-none\">\n\t\t\t\t<ul id=\"menu-1-5cb727c6\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10224\"><a href=\"https:\/\/getincome.com\/es\/como-funciona\" class=\"elementor-item\">C\u00f3mo funciona<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10225\"><a href=\"https:\/\/getincome.com\/es\/estadisticas\" class=\"elementor-item\">Estad\u00edsticas<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10226\"><a href=\"https:\/\/getincome.com\/loan-originators\" class=\"elementor-item\">Originadores de Pr\u00e9stamos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10227\"><a href=\"https:\/\/getincome.com\/es\/equipo\" class=\"elementor-item\">Equipo<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10228\"><a href=\"https:\/\/getincome.com\/es\/ayuda\" class=\"elementor-item\">Ayuda<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10229\"><a href=\"https:\/\/getincome.com\/blog\/\" class=\"elementor-item\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10210\"><a href=\"https:\/\/getincome.com\/register\" class=\"elementor-item\"><div style=\"padding: 10px 10px; margin:-10px; color: #fff; background: #30a7fe; box-sizing: border-box;     border-radius: 16px;\">Crear Cuenta<\/div><\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10211\"><a href=\"https:\/\/getincome.com\/login\" class=\"elementor-item\"><strong>Ingresar<\/strong><\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Alternar men\u00fa\" aria-expanded=\"false\">\n\t\t\t<i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open eicon-menu-bar\"><\/i><i aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close eicon-close\"><\/i>\t\t\t<span class=\"elementor-screen-only\">Men\u00fa<\/span>\n\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-5cb727c6\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10224\"><a href=\"https:\/\/getincome.com\/es\/como-funciona\" class=\"elementor-item\" tabindex=\"-1\">C\u00f3mo funciona<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10225\"><a href=\"https:\/\/getincome.com\/es\/estadisticas\" class=\"elementor-item\" tabindex=\"-1\">Estad\u00edsticas<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10226\"><a href=\"https:\/\/getincome.com\/loan-originators\" class=\"elementor-item\" tabindex=\"-1\">Originadores de Pr\u00e9stamos<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10227\"><a href=\"https:\/\/getincome.com\/es\/equipo\" class=\"elementor-item\" tabindex=\"-1\">Equipo<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10228\"><a href=\"https:\/\/getincome.com\/es\/ayuda\" class=\"elementor-item\" tabindex=\"-1\">Ayuda<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10229\"><a href=\"https:\/\/getincome.com\/blog\/\" class=\"elementor-item\" tabindex=\"-1\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10210\"><a href=\"https:\/\/getincome.com\/register\" class=\"elementor-item\" tabindex=\"-1\"><div style=\"padding: 10px 10px; margin:-10px; color: #fff; background: #30a7fe; box-sizing: border-box;     border-radius: 16px;\">Crear Cuenta<\/div><\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-10211\"><a href=\"https:\/\/getincome.com\/login\" class=\"elementor-item\" tabindex=\"-1\"><strong>Ingresar<\/strong><\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-9ecba40 e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"9ecba40\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2105100 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2105100\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-feathershield\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SEGURIDAD DE LAS INVERSIONES P2P<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38b4b97 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"38b4b97\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Tres niveles de protecci\u00f3n.\n<br>  Ninguna otra plataforma P2P hace esto.<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5857b2 elementor-widget__width-inherit animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"b5857b2\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Income Marketplace es la \u00fanica plataforma de inversi\u00f3n P2P que cuenta con un \u00abcolch\u00f3n de flujo de caja\u00bb, un mecanismo exclusivo dise\u00f1ado para proteger tu inversi\u00f3n incluso si el emisor del pr\u00e9stamo se declara en quiebra.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8786c3d e-flex e-con-boxed e-con e-child\" data-id=\"8786c3d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f8ab6c1 e-flex e-con-boxed e-con e-child\" data-id=\"f8ab6c1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc65eab elementor-align-center animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"dc65eab\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/getincome.com\/register\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Empieza a invertir. Hasta un 15 % anual. <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5672687 animated-slow e-flex e-con-boxed elementor-invisible e-con e-parent\" data-id=\"5672687\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58069fb elementor-widget elementor-widget-text-editor\" data-id=\"58069fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>EL MARCO DE SEGURIDAD<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a63fcd elementor-widget elementor-widget-heading\" data-id=\"9a63fcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dos riesgos. Tres medidas de protecci\u00f3n. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a101d6 elementor-widget elementor-widget-text-editor\" data-id=\"4a101d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Los inversores en plataformas P2P se enfrentan a dos riesgos distintos: el impago del prestatario y el impago del originador del pr\u00e9stamo. La mayor\u00eda de las plataformas P2P solo ofrecen un nivel de protecci\u00f3n. En lo que respecta a <strong>la seguridad de las inversiones P2P<\/strong>, Income es la \u00fanica plataforma que aborda ambos riesgos importantes para los inversores con mecanismos espec\u00edficos.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d23a364 e-flex e-con-boxed e-con e-child\" data-id=\"d23a364\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b7ff63 e-flex e-con-boxed e-con e-child\" data-id=\"2b7ff63\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c42d089 elementor-widget elementor-widget-spacer\" data-id=\"c42d089\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfda116 elementor-widget elementor-widget-heading\" data-id=\"bfda116\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Obligaci\u00f3n de Recompra<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b559d3b elementor-widget elementor-widget-text-editor\" data-id=\"b559d3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Si un prestatario se retrasa m\u00e1s de 60 d\u00edas en los pagos, el entidad que ha concedido el pr\u00e9stamo est\u00e1 obligada por contrato a recompr\u00e1rtelo, devolvi\u00e9ndote la totalidad del capital y los intereses devengados. Esto cubre el riesgo de impago del prestatario. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-240b8d4 elementor-widget elementor-widget-button\" data-id=\"240b8d4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Condiciones generales de todos los pr\u00e9stamos<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3aa47e3 e-flex e-con-boxed e-con e-child\" data-id=\"3aa47e3\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2840d1d elementor-widget elementor-widget-spacer\" data-id=\"2840d1d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee5ecdf elementor-widget elementor-widget-heading\" data-id=\"ee5ecdf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reserva de Liquidez<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d26c67f elementor-widget elementor-widget-text-editor\" data-id=\"d26c67f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Un mecanismo exclusivo de Income Marketplace. Si la propia entidad originadora del pr\u00e9stamo incumple sus obligaciones o se declara en quiebra, se activa el \u00abCashflow Buffer\u00bb, dise\u00f1ado para garantizar que los inversores sean los primeros en recibir el reembolso con los fondos recuperados, antes de que la entidad originadora reciba nada.   <span style=\"letter-spacing: -0.015em;\">Esto aborda el riesgo de impago de LO. Esto aborda el riesgo de impago de LO.<\/span><\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-329af10 elementor-widget elementor-widget-button\" data-id=\"329af10\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En exclusiva en Income Marketplace<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba2c54a e-flex e-con-boxed e-con e-child\" data-id=\"ba2c54a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1050c53 elementor-widget elementor-widget-spacer\" data-id=\"1050c53\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d3a674 elementor-widget elementor-widget-heading\" data-id=\"6d3a674\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cuota Junior<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7d994b elementor-widget elementor-widget-text-editor\" data-id=\"e7d994b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Cada entidad originadora posee una parte de cada pr\u00e9stamo (la \u00abparticipaci\u00f3n subordinada\u00bb) que est\u00e1 subordinada a los derechos de los inversores. En caso de impago, esta participaci\u00f3n absorbe las p\u00e9rdidas en primer lugar, lo que significa que los inversores son, estructuralmente, los primeros en la cola de reembolso, y no solo por promesa. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-248174c elementor-widget elementor-widget-button\" data-id=\"248174c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">A los inversores siempre se les devolv\u00eda el dinero primero<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c904666 e-flex e-con-boxed e-con e-parent\" data-id=\"c904666\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0f6e47 elementor-widget elementor-widget-text-editor\" data-id=\"a0f6e47\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>COMPARACI\u00d3N DE PLATAFORMAS<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de63a66 elementor-widget elementor-widget-heading\" data-id=\"de63a66\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo se sit\u00faa Income Marketplace en cuanto a la seguridad de las inversiones P2P<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-166dc1c elementor-widget elementor-widget-text-editor\" data-id=\"166dc1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La mayor\u00eda de las plataformas P2P se quedan en un solo nivel de protecci\u00f3n. Income es la \u00fanica plataforma que aborda los dos principales riesgos para los inversores con mecanismos espec\u00edficos. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-787a69e elementor-widget elementor-widget-html\" data-id=\"787a69e\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.im-compare-wrap {\n    width: 100%;\n    overflow-x: auto;\n    padding: 4px;\n    margin: -4px;\n    opacity: 0;\n    transform: translateY(12px);\n    transition: opacity 640ms cubic-bezier(0.25, 1, 0.5, 1),\n                transform 640ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare-wrap.is-visible {\n    opacity: 1;\n    transform: none;\n  }\n\n  .im-compare {\n    width: 100%;\n    border-collapse: collapse;\n    border-radius: 16px;\n    overflow: hidden;\n    border: 1.5px solid #E5E9F0;\n    background: #FFFFFF;\n    font-family: 'Open Sans', 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!important;\n  }\n  .im-compare tbody tr:hover td:nth-child(2) {\n    background: rgba(48,167,254,0.10) !important;\n  }\n\n  \/* \u2500\u2500 Clickable feature links in column 1 \u2500\u2500 *\/\n  .im-compare-link {\n    color: #071D2D;\n    text-decoration: none;\n    font-weight: 600;\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    transition: color 180ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare-link::after {\n    content: '\u2192';\n    font-size: 14px;\n    color: #30A7FE;\n    opacity: 0;\n    transform: translateX(-4px);\n    transition: opacity 180ms cubic-bezier(0.25, 1, 0.5, 1),\n                transform 180ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare-link:hover,\n  .im-compare tbody tr:hover .im-compare-link {\n    color: #30A7FE;\n  }\n  .im-compare-link:hover::after,\n  .im-compare tbody tr:hover .im-compare-link::after {\n    opacity: 1;\n    transform: translateX(0);\n  }\n\n  .im-compare-icon {\n    display: inline-flex;\n    align-items: center;\n    justify-content: center;\n    margin-right: 6px;\n    vertical-align: middle;\n  }\n  .im-compare-icon svg {\n    width: 15px;\n    height: 15px;\n    stroke-width: 3;\n    fill: none;\n    stroke-linecap: round;\n    stroke-linejoin: round;\n  }\n  .im-compare-icon.check svg { stroke: #00B6A5; }\n  .im-compare-icon.cross svg { stroke: #E74C3C; }\n\n  @media (max-width: 700px) {\n    .im-compare thead th,\n    .im-compare tbody td {\n      padding: 12px 14px;\n      font-size: 13px;\n    }\n  }\n\n  @media (prefers-reduced-motion: reduce) {\n    .im-compare-wrap {\n      opacity: 1 !important;\n      transform: none !important;\n      transition: none !important;\n    }\n    .im-compare-link::after { transition: none !important; }\n  }\n<\/style><div class=\"im-compare-wrap\"><table class=\"im-compare\"><thead><tr><th>Security feature<\/th><th>Income Marketplace<\/th><th>Typical P2P platform<\/th><\/tr><\/thead><tbody><tr><td><a class=\"im-compare-link\" href=\"#buyback\">Buyback Obligation (60-day)<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Yes, on all loans<\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Common<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#cashflow-buffer\">Protection against LO default<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Yes, via Cashflow Buffer<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>Not on most platforms<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#cashflow-buffer\">Cashflow Buffer (structural)<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Exclusive to Income<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>Not available<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#junior-share\">Junior Share (investors repaid first)<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Contractually subordinated<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>\"Skin in the game\" only (equal loss)<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#due-diligence\">Independent financial due diligence per LO<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Rigorous, sets buffer level<\/td><td>Varies by platform<\/td><\/tr><tr><td><a class=\"im-compare-link\" href=\"#due-diligence\">Bank proof required for LO loan data<\/a><\/td><td><span class=\"im-compare-icon check\"><svg viewBox=\"0 0 24 24\"><polyline points=\"20 6 9 17 4 12\"\/><\/svg><\/span>Required (\"Sanity Check\")<\/td><td><span class=\"im-compare-icon cross\"><svg viewBox=\"0 0 24 24\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"\/><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"\/><\/svg><\/span>Rarely required<\/td><\/tr><\/tbody><\/table><\/div><script>(function() {\n  var el = document.currentScript.previousElementSibling;\n  while (el &amp;&amp; !el.classList.contains('im-compare-wrap')) {\n    el = el.previousElementSibling;\n  }\n  if (!el) return;\n  if (!('IntersectionObserver' in window)) {\n    el.classList.add('is-visible');\n    return;\n  }\n  var io = new IntersectionObserver(function(entries) {\n    entries.forEach(function(e) {\n      if (e.isIntersecting) {\n        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data-id=\"d6365f9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2fec4c0 e-con-full e-flex e-con e-child\" data-id=\"2fec4c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1131ff4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1131ff4\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featheruser-x\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6e59aa elementor-widget elementor-widget-heading\" data-id=\"d6e59aa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El prestatario no ha pagado la cuota<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebd2968 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ebd2968\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e3855c e-con-full e-flex e-con e-child\" data-id=\"7e3855c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9602b7 elementor-widget elementor-widget-heading\" data-id=\"a9602b7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00edas 1-60: Proceso de pago atrasado<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-129d3d9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"129d3d9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ae23c0 e-con-full e-flex e-con e-child\" data-id=\"5ae23c0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6cba96 elementor-widget elementor-widget-heading\" data-id=\"f6cba96\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00eda 60+: Se ha alcanzado el umbral de retraso<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89a0e81 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"89a0e81\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7fd2cc8 e-con-full e-flex e-con e-child\" data-id=\"7fd2cc8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-961fd5c e-flex e-con-boxed e-con e-child\" data-id=\"961fd5c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5f2864 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f5f2864\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8408b0 elementor-widget elementor-widget-heading\" data-id=\"f8408b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Se activa la obligaci\u00f3n de recompra<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b942d8 e-flex e-con-boxed e-con e-child\" data-id=\"7b942d8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3cbdf elementor-widget elementor-widget-text-editor\" data-id=\"2b3cbdf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La entidad que concede el pr\u00e9stamo debe recomprarlo<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd8189 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0bd8189\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d7c42 e-con-full e-flex e-con e-child\" data-id=\"04d7c42\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d141027 e-flex e-con-boxed e-con e-child\" data-id=\"d141027\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1020b2 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a1020b2\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-money-bill-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04ed6d1 elementor-widget elementor-widget-heading\" data-id=\"04ed6d1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recibes el capital + los intereses<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6edd8fd e-flex e-con-boxed e-con e-child\" data-id=\"6edd8fd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9cf8df6 elementor-widget elementor-widget-text-editor\" data-id=\"9cf8df6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Independientemente de si el prestatario paga o no<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03d05f4 e-flex e-con-boxed e-con e-child\" data-id=\"03d05f4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7481d31 elementor-widget elementor-widget-heading\" data-id=\"7481d31\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Nivel 1 \u2014 De serie en todos los pr\u00e9stamos<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9244a6 elementor-widget elementor-widget-heading\" data-id=\"c9244a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es la obligaci\u00f3n de recompra?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b09ae18 elementor-widget elementor-widget-text-editor\" data-id=\"b09ae18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La obligaci\u00f3n de recompra es una obligaci\u00f3n contractual que acompa\u00f1a a todos los pr\u00e9stamos de Income Marketplace. Si un prestatario lleva m\u00e1s de 60 d\u00edas sin pagar, el originador del pr\u00e9stamo est\u00e1 obligado por contrato a recomprarte ese pr\u00e9stamo. <\/p>\n<p>Cuando se activa la recompra, recibes todo el capital invertido m\u00e1s todos los intereses devengados hasta ese momento, independientemente de si el originador ha conseguido recuperar los fondos del propio prestatario.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d5de57 e-con-full e-flex e-con e-child\" data-id=\"8d5de57\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9574f9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b9574f9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherinfo\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adcdfcf elementor-widget elementor-widget-heading\" data-id=\"adcdfcf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Esto te protege frente al riesgo A: el impago de un prestatario individual. No tienes que estar pendiente de los pr\u00e9stamos atrasados ni perseguir los cobros. La entidad originadora asume ese riesgo.  <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d00b0bf elementor-widget elementor-widget-text-editor\" data-id=\"d00b0bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La mayor\u00eda de las plataformas P2P modernas ofrecen una garant\u00eda de recompra de serie. Donde Income Marketplace va m\u00e1s all\u00e1 es en las dos capas adicionales que protegen contra el riesgo m\u00e1s grave: el impago por parte del propio emisor. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b70375 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"1b70375\" data-element_type=\"container\" id=\"cashflow-buffer\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-674df9c e-flex e-con-boxed e-con e-child\" data-id=\"674df9c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82bd6ae elementor-widget elementor-widget-heading\" data-id=\"82bd6ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Nivel 2 \u2014 Exclusivo de Income Marketplace<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dae1c08 elementor-widget elementor-widget-heading\" data-id=\"dae1c08\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es el colch\u00f3n de liquidez?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9771ca elementor-widget elementor-widget-text-editor\" data-id=\"e9771ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>El impago por parte del originador del pr\u00e9stamo (Riesgo b) no est\u00e1 cubierto en la mayor\u00eda de las plataformas por ninguna medida de seguridad adicional. Esto significa que, si un originador no puede cumplir su promesa de recompra o se declara en quiebra, los inversores no cuentan con ning\u00fan colch\u00f3n de seguridad que les garantice la devoluci\u00f3n de su dinero. <\/p>\n<p>Income Marketplace es la \u00fanica plataforma que cuenta con un colch\u00f3n de liquidez para proteger a los inversores frente a este riesgo.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fa3b6bd e-con-full e-flex e-con e-child\" data-id=\"fa3b6bd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e82759 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e82759\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherinfo\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d07239a elementor-widget elementor-widget-heading\" data-id=\"d07239a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">El colch\u00f3n de flujo de caja no es un fondo de dinero independiente. Es un c\u00e1lculo estructural que combina la rentabilidad de la cartera de pr\u00e9stamos, los ajustes por riesgo y la participaci\u00f3n subordinada que tiene el originador. <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5375e03 elementor-widget elementor-widget-text-editor\" data-id=\"5375e03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Si el originador incumple sus obligaciones e Income se hace cargo de su cartera, todos los beneficios de esa cartera, junto con la participaci\u00f3n subordinada del originador, se destinan exclusivamente a reembolsar primero el capital y los intereses de los inversores. Solo despu\u00e9s de que los inversores hayan recibido el reembolso \u00edntegro se transfieren los fondos restantes al originador. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c89612 e-flex e-con-boxed e-con e-child\" data-id=\"9c89612\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;background_motion_fx_motion_fx_mouse&quot;:&quot;yes&quot;,&quot;background_motion_fx_mouseTrack_effect&quot;:&quot;yes&quot;,&quot;background_motion_fx_mouseTrack_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1,&quot;sizes&quot;:[]}}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-832c036 e-con-full e-flex e-con e-child\" data-id=\"832c036\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e4215a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5e4215a\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featheruser\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e193af4 e-flex e-con-boxed e-con e-child\" data-id=\"e193af4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa1b14f elementor-widget elementor-widget-heading\" data-id=\"fa1b14f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Participaci\u00f3n del inversor (p. ej., 90 %)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e8fa10 elementor-widget elementor-widget-text-editor\" data-id=\"9e8fa10\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Independientemente de si el prestatario paga o no<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b76e75 e-con-full e-flex e-con e-child\" data-id=\"9b76e75\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a03304 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8a03304\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-long-arrow-alt-down\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9abd14a elementor-widget elementor-widget-heading\" data-id=\"9abd14a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Se paga primero<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3432502 e-con-full e-flex e-con e-child\" data-id=\"3432502\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96d9107 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"96d9107\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"far fa-building\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dafd652 e-flex e-con-boxed e-con e-child\" data-id=\"dafd652\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b19860 elementor-widget elementor-widget-heading\" data-id=\"3b19860\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Responsable de la tramitaci\u00f3n de pr\u00e9stamos (puesto junior)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b117686 elementor-widget elementor-widget-text-editor\" data-id=\"b117686\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Solo se paga una vez que los inversores hayan recuperado toda su inversi\u00f3n<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9740cb6 e-con-full e-flex e-con e-child\" data-id=\"9740cb6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c631a36 e-flex e-con-boxed e-con e-child\" data-id=\"c631a36\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d4e06b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2d4e06b\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherlayers\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf5664 elementor-widget elementor-widget-heading\" data-id=\"1cf5664\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reserva de liquidez =<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64cfa62 e-flex e-con-boxed e-con e-child\" data-id=\"64cfa62\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ccdb244 elementor-widget elementor-widget-text-editor\" data-id=\"ccdb244\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Rentabilidad de los pr\u00e9stamos + Ajustes por riesgo + Participaci\u00f3n subordinada<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69eb85d e-con-full e-flex e-con e-child\" data-id=\"69eb85d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6af58d4 e-flex e-con-boxed e-con e-child\" data-id=\"6af58d4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de87289 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"de87289\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-feathershield\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c92dfcd elementor-widget elementor-widget-heading\" data-id=\"c92dfcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Si el emisor incumple sus obligaciones<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-78128ae e-flex e-con-boxed e-con e-child\" data-id=\"78128ae\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02d7799 elementor-widget elementor-widget-text-editor\" data-id=\"02d7799\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Los ingresos se destinan a la cartera. El 100 % de los beneficios y de las acciones junior se destina, en primer lugar, a reembolsar a los inversores. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee80e89 e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"ee80e89\" data-element_type=\"container\" id=\"junior-share\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-fa06d4e e-con-full e-flex e-con e-child\" data-id=\"fa06d4e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ff9f0a6 e-con-full e-flex e-con e-child\" data-id=\"ff9f0a6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3298c0c e-con-full e-flex e-con e-child\" data-id=\"3298c0c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a26ceb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"8a26ceb\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featheruser\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17fb35d elementor-widget elementor-widget-heading\" data-id=\"17fb35d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Participaci\u00f3n de los inversores: 90 %<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab7baec e-con-full e-flex e-con e-child\" data-id=\"ab7baec\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac3f65d e-transform elementor-widget elementor-widget-heading\" data-id=\"ac3f65d\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">10 % LO Te cuento<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f68b2bd e-con-full e-flex e-con e-child\" data-id=\"f68b2bd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a21a3ff e-con-full e-flex e-con e-child\" data-id=\"a21a3ff\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bfb2b0a elementor-widget elementor-widget-heading\" data-id=\"bfb2b0a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Skin in the Game (otras plataformas)<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d67a97 elementor-widget elementor-widget-text-editor\" data-id=\"3d67a97\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>El 10 % lo tiene LO, con la misma probabilidad de p\u00e9rdida. En caso de impago, tanto el 10 % como el 90 % comparten las p\u00e9rdidas de forma proporcional. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8384de4 e-con-full e-flex e-con e-child\" data-id=\"8384de4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e2a7403 elementor-widget elementor-widget-heading\" data-id=\"e2a7403\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Acci\u00f3n Junior (Renta)<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b913db elementor-widget elementor-widget-text-editor\" data-id=\"3b913db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>El 10 % tiene un rango subordinado respecto al 90 % del inversor. En caso de impago, se reembolsa primero el 90 %. El 10 % absorbe las p\u00e9rdidas.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae7c57c e-con-full e-flex e-con e-child\" data-id=\"ae7c57c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4c7c4ac e-con-full e-flex e-con e-child\" data-id=\"4c7c4ac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25e560a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"25e560a\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-bolt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8258f12 elementor-widget elementor-widget-heading\" data-id=\"8258f12\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Diferencia clave<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd0c45d e-flex e-con-boxed e-con e-child\" data-id=\"fd0c45d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da90af9 elementor-widget elementor-widget-text-editor\" data-id=\"da90af9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Junior Share = alineaci\u00f3n y seguridad.<\/p>\n<p>\u00abArriesgarse de verdad\u00bb = solo se trata de estar en sinton\u00eda.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83ad829 e-flex e-con-boxed e-con e-child\" data-id=\"83ad829\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22990b0 elementor-widget elementor-widget-heading\" data-id=\"22990b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Nivel 3: Alineaci\u00f3n y seguridad\n<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad65dbd elementor-widget elementor-widget-heading\" data-id=\"ad65dbd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es la \u00abJunior Share\u00bb?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5028a68 elementor-widget elementor-widget-text-editor\" data-id=\"5028a68\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Muchas plataformas P2P aplican el principio de \u00abskin in the game\u00bb, seg\u00fan el cual el originador del pr\u00e9stamo retiene un porcentaje de cada pr\u00e9stamo junto con los inversores. Esto hace que los incentivos est\u00e9n alineados, pero, en caso de impago, tanto la parte del originador como la del inversor tienen las mismas probabilidades de sufrir p\u00e9rdidas. <\/p>\n<p>Income Marketplace utiliza, en cambio, las \u00abJunior Share\u00bb. El nombre viene del mundo de la financiaci\u00f3n mediante deuda: <em>la deuda \u00abjunior\u00bb<\/em> tiene menor prioridad a la hora de cobrar que los cr\u00e9ditos de la deuda \u00absenior\u00bb. En caso de impago, a los titulares de deuda \u00abjunior\u00bb solo se les paga despu\u00e9s de que los titulares de deuda \u00absenior\u00bb hayan cobrado \u00edntegramente.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f4f7f8 e-con-full e-flex e-con e-child\" data-id=\"5f4f7f8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-480a9b9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"480a9b9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"iconfeather icon-featherinfo\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f9c2c7 elementor-widget elementor-widget-heading\" data-id=\"9f9c2c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">En t\u00e9rminos de P2P: la participaci\u00f3n subordinada del originador est\u00e1 subordinada a la de los inversores. Si el originador del pr\u00e9stamo incumple el pago, se reembolsa primero la participaci\u00f3n del inversor. La participaci\u00f3n subordinada del originador absorbe la mayor parte de las p\u00e9rdidas.  <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ceb121 elementor-widget elementor-widget-text-editor\" data-id=\"4ceb121\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Es importante destacar que la \u00abcuota subordinada\u00bb no es un indicador fijo del nivel de riesgo. Income Marketplace la establece tras un an\u00e1lisis financiero exhaustivo. Si la calidad del pr\u00e9stamo es lo suficientemente alta, la \u00abcuota subordinada\u00bb puede ser del 0 % y, aun as\u00ed, los inversores siguen teniendo prioridad estructural en el reembolso.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8a1b09 e-flex e-con-boxed e-con e-parent\" data-id=\"b8a1b09\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2846252 elementor-widget elementor-widget-heading\" data-id=\"2846252\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Ejemplo pr\u00e1ctico real<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e53e479 elementor-widget elementor-widget-heading\" data-id=\"e53e479\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 pasa realmente cuando un prestamista incumple sus obligaciones?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34dce88 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"34dce88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Tomando el ejemplo publicado por la propia Income Marketplace: 1.000 pr\u00e9stamos, un originador incumple el pago. As\u00ed es exactamente c\u00f3mo el \u00abCashflow Buffer\u00bb pretende protegerte. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bbdbdde e-grid e-con-boxed e-con e-child\" data-id=\"bbdbdde\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9414fd3 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"9414fd3\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e04fafd elementor-widget elementor-widget-heading\" data-id=\"e04fafd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1,000<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbe0eb0 elementor-widget elementor-widget-heading\" data-id=\"dbe0eb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Total de pr\u00e9stamos concedidos por el LO<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69df8da e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"69df8da\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:100}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2f7d0f elementor-widget elementor-widget-heading\" data-id=\"c2f7d0f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">800<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c36d76 elementor-widget elementor-widget-heading\" data-id=\"0c36d76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Pr\u00e9stamos que se est\u00e1n pagando con normalidad<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d24bda animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"5d24bda\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dce427e elementor-widget elementor-widget-heading\" data-id=\"dce427e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">200<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8576ef elementor-widget elementor-widget-heading\" data-id=\"c8576ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Pr\u00e9stamos morosos (20 %)<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c45db11 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"c45db11\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10d6bf0 elementor-widget elementor-widget-heading\" data-id=\"10d6bf0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">0<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcdaacd elementor-widget elementor-widget-heading\" data-id=\"bcdaacd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">P\u00e9rdidas de los inversores en este escenario<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5cdf808 e-grid e-con-boxed e-con e-child\" data-id=\"5cdf808\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-86befc0 im-rwe-step-card animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"86befc0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c9b1eff im-step-num elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c9b1eff\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Circle-Fill--Streamline-Bootstrap\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a212461 elementor-widget elementor-widget-heading\" data-id=\"a212461\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">El prestatario incumple el pago. Se recurre a los ingresos. \n<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93d5b74 elementor-widget elementor-widget-text-editor\" data-id=\"93d5b74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Income Marketplace recurre a los acuerdos que ya tiene con empresas locales de cobro y se hace cargo de toda la cartera de 1.000 pr\u00e9stamos en nombre de los inversores.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9555c06 e-flex e-con-boxed e-con e-child\" data-id=\"9555c06\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3cfa0d5 e-con-full e-flex e-con e-child\" data-id=\"3cfa0d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4625442 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"4625442\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lock\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdab74a e-flex e-con-boxed e-con e-child\" data-id=\"bdab74a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68967bf elementor-widget elementor-widget-heading\" data-id=\"68967bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cartera asegurada<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a99ce1 animated-slow im-rwe-step-card e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"9a99ce1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbaea22 im-step-num elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cbaea22\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Circle-Fill--Streamline-Bootstrap1\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29df3c0 elementor-widget elementor-widget-heading\" data-id=\"29df3c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">800 pr\u00e9stamos al corriente siguen al corriente por s\u00ed mismos<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59b709f elementor-widget elementor-widget-text-editor\" data-id=\"59b709f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Los 800 pr\u00e9stamos cuyos prestatarios est\u00e1n pagando a tiempo siguen su curso con normalidad, y los pagos de esos prestatarios se transfieren directamente a los inversores seg\u00fan lo previsto.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4541504 e-flex e-con-boxed e-con e-child\" data-id=\"4541504\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-220e426 e-con-full e-flex e-con e-child\" data-id=\"220e426\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec4a47e elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ec4a47e\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e4db30 e-flex e-con-boxed e-con e-child\" data-id=\"4e4db30\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13b4a0e elementor-widget elementor-widget-heading\" data-id=\"13b4a0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">800 pr\u00e9stamos al d\u00eda<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-727fe52 animated-slow im-rwe-step-card e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"727fe52\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91a07b4 im-step-num elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"91a07b4\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-Circle-Fill--Streamline-Bootstrap4\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bc4e35 elementor-widget elementor-widget-heading\" data-id=\"8bc4e35\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Las acciones \u00abJunior\u00bb y los beneficios excedentes alcanzan los 200.<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55e40f3 elementor-widget elementor-widget-text-editor\" data-id=\"55e40f3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Los 200 pr\u00e9stamos morosos se cubren mediante el colch\u00f3n de flujo de caja: la participaci\u00f3n subordinada del originador, m\u00e1s los beneficios excedentes de los 1.000 pr\u00e9stamos, se destinan a amortizarlos seg\u00fan el calendario original.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8d129e8 e-flex e-con-boxed e-con e-child\" data-id=\"8d129e8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c3937f1 e-con-full e-flex e-con e-child\" data-id=\"c3937f1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee13a96 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"ee13a96\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-shield-alt\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-00cb579 e-flex e-con-boxed e-con e-child\" data-id=\"00cb579\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c72295 elementor-widget elementor-widget-heading\" data-id=\"5c72295\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">200 pr\u00e9stamos cubiertos<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c22aed im-rwe-outcome-card animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"5c22aed\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-faaa738 elementor-position-left elementor-vertical-align-middle im-outcome-box elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"faaa738\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDise\u00f1ado para que todo el mundo recupere su inversi\u00f3n de una forma sencilla y justa.\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAs\u00ed es como funciona en la pr\u00e1ctica el colch\u00f3n de liquidez. La idea clave es que no hace falta que el 100 % de los pr\u00e9stamos cumplan con los requisitos. El colch\u00f3n est\u00e1 dise\u00f1ado para cubrir un nivel realista de impagos. Income Marketplace calcula el nivel de participaci\u00f3n junior necesario para que el objetivo sea el reembolso \u00edntegro a los inversores, incluso en situaciones de estr\u00e9s, antes de que se apruebe la cotizaci\u00f3n de los pr\u00e9stamos por parte del originador.   \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9888101 e-flex e-con-boxed e-con e-parent\" data-id=\"9888101\" data-element_type=\"container\" id=\"due-diligence\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-caef08e e-con-full e-flex e-con e-child\" data-id=\"caef08e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0e65df5 e-con-full e-flex e-con e-child\" data-id=\"0e65df5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65f1d88 elementor-widget elementor-widget-heading\" data-id=\"65f1d88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">ANTES DE QUE SE INCLUYA A NING\u00daN CREADOR EN LA LISTA<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76fa403 elementor-widget elementor-widget-heading\" data-id=\"76fa403\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo establecemos el colch\u00f3n de liquidez<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e654aca elementor-widget elementor-widget-text-editor\" data-id=\"e654aca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La seguridad del \u00abCashflow Buffer\u00bb depende totalmente de la diligencia debida que haya detr\u00e1s. Esto es lo que pasa antes de que se apruebe a un originador de pr\u00e9stamos para que pueda publicar en Income Marketplace. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-406f889 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"406f889\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ede1b92 e-con-full e-flex e-con e-child\" data-id=\"ede1b92\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd54bf4 elementor-widget elementor-widget-html\" data-id=\"fd54bf4\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">1<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e158aa1 e-con-full e-flex e-con e-child\" data-id=\"e158aa1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32208ca elementor-widget elementor-widget-heading\" data-id=\"32208ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Reuni\u00f3n inicial con la direcci\u00f3n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34b6be3 elementor-widget elementor-widget-text-editor\" data-id=\"34b6be3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>El equipo de Income analiza el producto del originador y repasa los dos procesos m\u00e1s importantes de la concesi\u00f3n de pr\u00e9stamos: la evaluaci\u00f3n de riesgos y la metodolog\u00eda de cobro.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec87adc e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"ec87adc\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:100}\">\n\t\t<div class=\"elementor-element elementor-element-860bb35 e-con-full e-flex e-con e-child\" data-id=\"860bb35\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06d70d5 elementor-widget elementor-widget-html\" data-id=\"06d70d5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">2<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63c062d e-con-full e-flex e-con e-child\" data-id=\"63c062d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d018860 elementor-widget elementor-widget-heading\" data-id=\"d018860\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Verificaci\u00f3n de identidad (KYC) y lucha contra el blanqueo de capitales (AML)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a33534 elementor-widget elementor-widget-text-editor\" data-id=\"4a33534\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Cada entidad concedente de pr\u00e9stamos y sus accionistas se someten a un proceso completo de diligencia debida en materia de \u00abConoce a tu cliente\u00bb y lucha contra el blanqueo de capitales, que incluye la comprobaci\u00f3n de sanciones, la verificaci\u00f3n de personas pol\u00edticamente expuestas (PEP) y la verificaci\u00f3n del titular beneficiario final. Mantenemos este est\u00e1ndar para cumplir con los requisitos normativos tanto actuales como previstos. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-930eac3 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"930eac3\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:200}\">\n\t\t<div class=\"elementor-element elementor-element-086af76 e-con-full e-flex e-con e-child\" data-id=\"086af76\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2eccec7 elementor-widget elementor-widget-html\" data-id=\"2eccec7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">3<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-952320e e-con-full e-flex e-con e-child\" data-id=\"952320e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f05a61 elementor-widget elementor-widget-heading\" data-id=\"5f05a61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An\u00e1lisis multidimensional de la cartera de pr\u00e9stamos<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6996124 elementor-widget elementor-widget-text-editor\" data-id=\"6996124\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Un an\u00e1lisis en profundidad de la cartera hist\u00f3rica de pr\u00e9stamos, centr\u00e1ndose en el \u00abcoeficiente hist\u00f3rico de amortizaci\u00f3n\u00bb, que mide cu\u00e1nto dinero genera realmente la cartera. Normalmente, a esto le siguen varias rondas de preguntas de seguimiento. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9158d40 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"9158d40\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:300}\">\n\t\t<div class=\"elementor-element elementor-element-30bfeec e-con-full e-flex e-con e-child\" data-id=\"30bfeec\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f417ae1 elementor-widget elementor-widget-html\" data-id=\"f417ae1\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">4<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96350e2 e-con-full e-flex e-con e-child\" data-id=\"96350e2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3348001 elementor-widget elementor-widget-heading\" data-id=\"3348001\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Revisi\u00f3n de estados financieros (2 o m\u00e1s a\u00f1os)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b380b3 elementor-widget elementor-widget-text-editor\" data-id=\"7b380b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An\u00e1lisis financiero completo, prestando especial atenci\u00f3n a los ratios de liquidez y solvencia, para detectar cualquier indicio de sobrevaloraci\u00f3n de activos, falta de fondos propios o riesgo de insolvencia.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a36a68c e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"a36a68c\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:400}\">\n\t\t<div class=\"elementor-element elementor-element-528fc82 e-con-full e-flex e-con e-child\" data-id=\"528fc82\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ecd0f7 elementor-widget elementor-widget-html\" data-id=\"6ecd0f7\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">5<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0024c7c e-con-full e-flex e-con e-child\" data-id=\"0024c7c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48fb689 elementor-widget elementor-widget-heading\" data-id=\"48fb689\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comprobaci\u00f3n de coherencia y exhaustividad<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9252559 elementor-widget elementor-widget-text-editor\" data-id=\"9252559\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>El solicitante debe presentar justificantes bancarios de todo el dinero desembolsado y recibido, para confirmar que los datos del libro de pr\u00e9stamos son reales y fiables, y no falsos.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7dcdcbb e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"7dcdcbb\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:500}\">\n\t\t<div class=\"elementor-element elementor-element-ed917f2 e-con-full e-flex e-con e-child\" data-id=\"ed917f2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45c6ae8 elementor-widget elementor-widget-html\" data-id=\"45c6ae8\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"im-step-num\">6<\/div><style>.im-step-num {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    border: 2px solid #30A7FE;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    font-family: 'Open Sans', sans-serif;\n    font-size: 12.5px;\n    font-weight: 800;\n    color: #30A7FE;\n    line-height: 1;\n    margin-top: 2px;\n    box-sizing: border-box;\n    flex-shrink: 0;\n  }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c4877d e-con-full e-flex e-con e-child\" data-id=\"5c4877d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0aaf9da elementor-widget elementor-widget-heading\" data-id=\"0aaf9da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ya est\u00e1 configurada la opci\u00f3n \u00abJunior Share\u00bb<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b66f25 elementor-widget elementor-widget-text-editor\" data-id=\"5b66f25\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Se basa en el coeficiente de reembolso multiplicado por todos los riesgos identificados. El nivel de las acciones junior es espec\u00edfico para cada entidad originadora y se establece de tal forma que el objetivo sea el reembolso \u00edntegro a los inversores, incluso en situaciones de estr\u00e9s. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10c12c0 e-con-full e-flex e-con e-child\" data-id=\"10c12c0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12aec0e elementor-view-default elementor-position-top elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"12aec0e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSE\u00d1ALES DE ALERTA QUE DESCALIFICAN A UN INICIADOR\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-640d038 elementor-align-left animated-slow elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"640d038\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bajo coeficiente de amortizaci\u00f3n: la cartera de pr\u00e9stamos no genera suficiente efectivo para financiar las operaciones<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Exposici\u00f3n a sanciones, riesgo relacionado con personas pol\u00edticamente expuestas (PEP) o titulares finales de los beneficios no verificables entre los accionistas de la entidad originadora<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Activos sobrevalorados y una situaci\u00f3n patrimonial delicada, lo que puede indicar un posible problema de insolvencia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Procesos mal dise\u00f1ados o manuales que podr\u00edan generar errores en los datos<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">La calidad de los datos de la cartera de pr\u00e9stamos no es la adecuada<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">No poder presentar un justificante bancario del dinero recaudado<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-flag\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Caracter\u00edsticas del producto que entran en conflicto con la legislaci\u00f3n local (por ejemplo, tipos de inter\u00e9s que superan los l\u00edmites legales)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6bb956e animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"6bb956e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be349d4 elementor-view-stacked elementor-position-left elementor-shape-circle elementor-mobile-position-top elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"be349d4\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-search\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDe parte de nuestro equipo de diligencia debida\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAn\u00e1lisis financiero de Income Marketplace\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d9e03 elementor-widget elementor-widget-heading\" data-id=\"11d9e03\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00bfC\u00f3mo se determina si una entidad de cr\u00e9dito tiene \u00abpr\u00e9stamos de calidad\u00bb?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37dd10a elementor-widget elementor-widget-text-editor\" data-id=\"37dd10a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>En t\u00e9rminos generales, se exige que el LO tenga, como m\u00ednimo, un coeficiente de amortizaci\u00f3n suficiente para garantizar a nuestros inversores los intereses prometidos sobre el dinero invertido.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62ba02e elementor-widget elementor-widget-heading\" data-id=\"62ba02e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1ntas solicitudes de pr\u00e9stamo se han rechazado hasta la fecha?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f08744 elementor-widget elementor-widget-text-editor\" data-id=\"9f08744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Nuestro equipo de diligencia debida solo rechaz\u00f3 una propuesta en la fase final, debido a un coeficiente de amortizaci\u00f3n insuficiente y a un sistema de conciliaci\u00f3n bancaria inadecuado, y un par m\u00e1s en fases anteriores. El list\u00f3n est\u00e1 alto a prop\u00f3sito. <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd31b4 elementor-widget elementor-widget-heading\" data-id=\"8fd31b4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00bfEl \u00abJunior Share\u00bb es el mismo para todos los originadores?<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36673dc elementor-widget elementor-widget-text-editor\" data-id=\"36673dc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>No. El proceso para fijar la participaci\u00f3n subordinada es diferente para cada operaci\u00f3n de pr\u00e9stamo, ya que tenemos que tener en cuenta aspectos espec\u00edficos del mercado y del originador. Si la calidad del pr\u00e9stamo es lo suficientemente buena, la participaci\u00f3n subordinada puede ser del 0 % y, aun as\u00ed, los inversores siguen teniendo prioridad estructural en el reembolso.  <\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7681b0f e-flex e-con-boxed e-con e-parent\" data-id=\"7681b0f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-176497a e-con-full e-flex e-con e-child\" data-id=\"176497a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad951b elementor-widget elementor-widget-text-editor\" data-id=\"2ad951b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>PREGUNTAS FRECUENTES<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f4e6f7 elementor-widget elementor-widget-heading\" data-id=\"1f4e6f7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35502b1 elementor-widget elementor-widget-text-editor\" data-id=\"35502b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Todo lo que los inversores quieren saber sobre la seguridad de las inversiones P2P en Income Marketplace.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43aebd8 e-con-full e-flex e-con e-child\" data-id=\"43aebd8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5205231 elementor-widget elementor-widget-html\" data-id=\"5205231\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"What's the difference between Junior Share and \\\"skin in the game\\\"?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"\\\"Skin in the game\\\" means the originator holds a share of the loan alongside you, but in a default scenario both shares have an equal likelihood of loss. The Junior Share is subordinated to your share \u2014 in a default your portion is repaid first from recovered funds, and the originator's Junior Share absorbs the losses.\"}},\n    {\"@type\":\"Question\",\"name\":\"Is the Cashflow Buffer the same as a buyback guarantee?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The Buyback Obligation addresses individual borrower default. The Cashflow Buffer addresses originator default. The Cashflow Buffer is exclusive to Income Marketplace.\"}},\n    {\"@type\":\"Question\",\"name\":\"What happens to my money if a loan originator goes bankrupt?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Income Marketplace takes over the loan portfolio and begins collection on your behalf. All proceeds \u2014 including profit from performing loans and the originator's Junior Share \u2014 are directed to repay your principal and interest first.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can the Junior Share be 0%? Does that mean I'm unprotected?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A 0% Junior Share means the underlying loan quality is strong enough that the Cashflow Buffer alone is adequate. The security comes from the portfolio's own repayment capacity.\"}},\n    {\"@type\":\"Question\",\"name\":\"How does Income Marketplace decide how large the Junior Share needs to be?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It's calculated from the originator's Repayment Coefficient multiplied by all risks identified during due diligence. The level is unique to each originator and set so full investor repayment is the target, even in stressed scenarios.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can I still lose money on Income Marketplace?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"All investments carry risk. The three-layer security framework significantly reduces the likelihood of investor losses, but a scenario where both the buyback mechanism fails and the Cashflow Buffer is fully exhausted could still result in losses.\"}}\n  ]\n}\n<\/script><style>.im-faq-list { width: 100%; font-family: 'Open Sans', sans-serif; }\n\n  .im-faq-item {\n    border: 1.5px solid #E5E9F0;\n    border-radius: 16px;\n    margin-bottom: 10px;\n    background: #FFFFFF;\n    overflow: hidden;\n    transition: border-color 200ms cubic-bezier(0.25, 1, 0.5, 1),\n                box-shadow 200ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n\n  .im-faq-item[open],\n  .im-faq-item:hover {\n    border-color: #30A7FE;\n    box-shadow: 0 4px 16px 1px rgba(48, 167, 254, 0.10);\n  }\n\n  .im-faq-q {\n    display: flex;\n    justify-content: space-between;\n    align-items: center;\n    gap: 16px;\n    padding: 20px 24px;\n    cursor: pointer;\n    list-style: none;\n    font-size: 17px;\n    font-weight: 700;\n    color: #071D2D;\n    line-height: 1.5;\n    user-select: none;\n  }\n\n  .im-faq-q::-webkit-details-marker { display: none; }\n  .im-faq-q::marker { display: none; }\n\n  .im-faq-icon {\n    width: 32px;\n    height: 32px;\n    border-radius: 50%;\n    background: #E2F3FF;\n    display: flex;\n    align-items: center;\n    justify-content: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .im-faq-icon::before,\n  .im-faq-icon::after {\n    content: '';\n    position: absolute;\n    background: #30A7FE;\n    border-radius: 2px;\n    transition: transform 250ms cubic-bezier(0.25, 1, 0.5, 1),\n                opacity 250ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n\n  .im-faq-icon::before { width: 12px; height: 2.5px; }\n  .im-faq-icon::after  { width: 2.5px; height: 12px; }\n\n  .im-faq-item[open] .im-faq-icon::after {\n    transform: rotate(90deg);\n    opacity: 0;\n  }\n\n  .im-faq-a {\n    padding: 0 24px;\n    max-height: 0;\n    overflow: hidden;\n    font-size: 14.5px;\n    color: #6D818F;\n    line-height: 1.7;\n    opacity: 0;\n    transition: max-height 320ms cubic-bezier(0.25, 1, 0.5, 1),\n                padding 320ms cubic-bezier(0.25, 1, 0.5, 1),\n                opacity 320ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n\n  .im-faq-item[open] .im-faq-a {\n    max-height: 800px;\n    padding: 0 24px 22px 24px;\n    opacity: 1;\n    transition: max-height 640ms cubic-bezier(0.25, 1, 0.5, 1),\n                padding 320ms cubic-bezier(0.25, 1, 0.5, 1),\n                opacity 320ms cubic-bezier(0.25, 1, 0.5, 1) 80ms;\n  }\n\n  @media (max-width: 600px) {\n    .im-faq-q { padding: 16px 18px; font-size: 14px; }\n    .im-faq-item[open] .im-faq-a { padding: 0 18px 18px 18px; font-size: 13.5px; }\n  }\n\n  @media (prefers-reduced-motion: reduce) {\n    .im-faq-item,\n    .im-faq-a,\n    .im-faq-icon::before,\n    .im-faq-icon::after {\n      transition: none !important;\n    }\n  }\n<\/style><div class=\"im-faq-list\"><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>What's the difference between Junior Share and \"skin in the game\"?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">\"Skin in the game\" means the originator holds a share of the loan alongside you, but in a default scenario, both their share and yours have an equal likelihood of loss. The Junior Share is fundamentally different: it is subordinated to your share. In a default, your portion is repaid first from any recovered funds, and the originator's Junior Share absorbs the losses. It's the difference between equal partnership in loss and structural protection for investors.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>Is the Cashflow Buffer the same as a buyback guarantee?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">No, they protect against different risks. The Buyback Obligation addresses individual borrower default: if a borrower stops paying, the originator buys the loan back from you. The Cashflow Buffer addresses originator default: if the originator itself goes bankrupt, the buffer is designed to ensure investors are still repaid first from the collected loan portfolio. Most platforms only offer a buyback guarantee. The Cashflow Buffer is exclusive to Income Marketplace.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>What happens to my money if a loan originator goes bankrupt?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">Income Marketplace takes over the loan portfolio and begins collection on your behalf using existing agreements with local collection companies. All proceeds, including profit from performing loans and the originator's Junior Share, are directed to repay your principal and interest first. Only after investors are fully repaid can any remaining funds be returned to the originator. This is the Cashflow Buffer in action.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>Can the Junior Share be 0%? Does that mean I'm unprotected?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">A 0% Junior Share doesn't mean you're unprotected. It means the quality of the underlying loans is assessed as sufficiently strong that the Cashflow Buffer is adequate without an additional Junior Share. The security comes from the loan portfolio's own repayment capacity. Income Marketplace only sets a 0% Junior Share after confirming that the portfolio's cash generation is strong enough to fully repay investors in a default scenario.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>How does Income Marketplace decide how large the Junior Share needs to be?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">It's calculated as the product of the originator's Repayment Coefficient (how much cash the loan portfolio generates) and all risks identified during due diligence, such as currency risk, market conditions, and potential crises. The process is unique to each originator. The goal is to set it at a level where full repayment of investor funds is the target, even in stressed scenarios.\n    <\/div><\/details><details class=\"im-faq-item\"><summary class=\"im-faq-q\"><span>Can I still lose money on Income Marketplace?<\/span><span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span><\/summary><div class=\"im-faq-a\">All investments carry risk and past performance does not guarantee future returns. While the three-layer security framework significantly reduces the likelihood of investor losses, a scenario where both the buyback mechanism fails and the Cashflow Buffer is fully exhausted could still result in losses. Income Marketplace mitigates this through rigorous originator selection and ongoing monitoring. We always recommend diversifying across multiple originators and loan types.\n    <\/div><\/details><\/div><script>(function() {\n  document.querySelectorAll('.im-faq-item').forEach(function(item) {\n    var summary = item.querySelector('.im-faq-q');\n    if (!summary) return;\n    summary.addEventListener('click', function(e) {\n      if (!item.hasAttribute('open')) return;\n      e.preventDefault();\n      var content = item.querySelector('.im-faq-a');\n      if (!content) {\n        item.removeAttribute('open');\n        return;\n      }\n      content.style.maxHeight = '0';\n      content.style.opacity = '0';\n      content.style.paddingTop = '0';\n      content.style.paddingBottom = '0';\n      setTimeout(function() {\n        item.removeAttribute('open');\n        content.style.maxHeight = '';\n        content.style.opacity = '';\n        content.style.paddingTop = '';\n        content.style.paddingBottom = '';\n      }, 320);\n    });\n  });\n})();\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14995e4 e-flex e-con-boxed e-con e-parent\" data-id=\"14995e4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3df9c elementor-widget elementor-widget-heading\" data-id=\"5f3df9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00a1Empieza a Construir tu Patrimonio Hoy!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d6bb9f elementor-widget elementor-widget-text-editor\" data-id=\"0d6bb9f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Empieza a invertir en pr\u00e9stamos con una rentabilidad de hasta el 15 % anual.<\/p>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83023fc e-flex e-con-boxed e-con e-child\" data-id=\"83023fc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cfc9a9 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"1cfc9a9\" data-element_type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-2,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/getincome.com\/register\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Crear cuenta<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2306be0 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2306be0\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/getincome.com\/statistics\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Estad\u00edsticas en directo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>SEGURIDAD DE LAS INVERSIONES P2P Tres niveles de protecci\u00f3n. Ninguna otra plataforma P2P hace esto. Income Marketplace es la \u00fanica plataforma de inversi\u00f3n P2P que cuenta con un \u00abcolch\u00f3n de flujo de caja\u00bb, un mecanismo exclusivo dise\u00f1ado para proteger tu inversi\u00f3n incluso si el emisor del pr\u00e9stamo se declara en quiebra. Empieza a invertir. Hasta [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12710,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/pages\/13101"}],"collection":[{"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/comments?post=13101"}],"version-history":[{"count":1,"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/pages\/13101\/revisions"}],"predecessor-version":[{"id":13102,"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/pages\/13101\/revisions\/13102"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/media\/12710"}],"wp:attachment":[{"href":"https:\/\/getincome.com\/blog\/es\/wp-json\/wp\/v2\/media?parent=13101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}