In Episode 14 of the Income Insights podcast, host Denny Neidhardt from Re:Think P2P speaks with Income Marketplace CEO Lavrenti Tsudakov about the platform’s 2025 goals, including AUM growth, new loan originators, and a crowdfunding campaign.
Growth and Profitability Targets
Income aims to grow AUM from €19.2M to €35-40M in 2025, a key milestone for profitability. Lavrenti believes this is achievable with strong loan originator partnerships and increasing investor demand.
Loan Originators and Market Expansion
Income plans to onboard six new loan originators, with two close to launch:
- A car leasing & consumer lending firm from Kosovo (€500K/month in loans).
- A car leasing company from Lithuania, finalizing its audit.
Expansion efforts are also underway in Colombia, Indonesia, Mexico, and the Philippines.
Investor Strategy and Institutional Capital
Income is actively onboarding institutional investors to complement its retail investor base. With its first institutional partner already in place, more are expected to join in 2025.
Crowdfunding Campaign
A €250K equity crowdfunding round is planned to fund:
- A secondary market for investors
- Platform UI/UX upgrades
- Market expansion (Mexico, Philippines)
- Team growth (data and analytics roles)
ClickCash Recovery and Investor Protection
Income is prepared to bridge payments to ClickCash investors while the loan originator seeks new funding.
Regulation and Long-Term Plans
Regulatory compliance remains a goal, though Estonia lacks a framework for Income’s model. Alternative licensing options, such as Lithuania, are being explored but are not a 2025 priority.
Looking Ahead
With a solid roadmap in place, Lavrenti emphasizes that execution is key to achieving these ambitious targets. Stay tuned for updates on new loan originators, crowdfunding, and platform enhancements!
