We want to share a structural update for investors funding loans from One Leasing DOOEL, our loan originator based in North Macedonia.
What changed
On 6 August 2026, Virtus Invesco Partners LLC, the parent company of One Leasing, signed a parent company guarantee covering One Leasing’s obligations under its agreements with Income Marketplace. Virtus Invesco Partners is also the main shareholder of Virtus Lending, one of the largest loan originators on Income Marketplace, so this guarantee brings the backing of an established group to One Leasing as well. This includes the cooperation and framework agreements, the assignment agreements through which loans are transferred to investors, and the related platform terms, including Buyback Obligations, cashback commitments, and fee arrangements.
In practical terms: if One Leasing does not meet a payment obligation to investors under these agreements, Virtus stands behind it. The guarantee is unconditional and covers unpaid principal, accrued contractual interest, default interest, buyback prices, and reasonable recovery costs.
How it works
The guarantee is structured to be enforceable without delay. If a payment obligation is not met, Income Marketplace (acting on behalf of investors) can issue a written demand directly to Virtus, and Virtus is required to pay the validly demanded amount within five business days. Virtus has also waived its right under Kosovo law to require that recovery be pursued against One Leasing first, so the guarantee does not depend on exhausting other options before it can be called on.
The guarantee stays in effect regardless of amendments to the underlying agreements, and it remains valid even in the event of One Leasing’s insolvency, reorganisation, or dissolution. It is governed by the laws of the Republic of Kosovo, with jurisdiction held by the competent court in Prishtina.
What this means for you
This adds a second layer of financial standing behind One Leasing’s obligations to investors, on top of the terms already set out in your loan agreements and Buyback Obligations. It is a contractual arrangement between Virtus and One Leasing (with Income Marketplace and investors named as beneficiaries), and like any contractual arrangement, its value depends on Virtus’s own financial standing and on the guarantee being enforced according to its terms if it is ever called upon.
If you have questions about this guarantee or about One Leasing more generally, reach out to us at hello@getincome.com.
One Leasing’s car loans are open for investment, with yields of up to 12% p.a.
