{"id":7114,"date":"2024-03-18T09:48:41","date_gmt":"2024-03-18T09:48:41","guid":{"rendered":"https:\/\/getincome.com\/blog\/?page_id=7114"},"modified":"2026-06-02T13:37:06","modified_gmt":"2026-06-02T12:37:06","slug":"p2p-investment-security","status":"publish","type":"page","link":"https:\/\/getincome.com\/blog\/p2p-investment-security\/","title":{"rendered":"Security Features"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7114\" class=\"elementor 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<a href=\"\/\" class=\"header-logo\" target=\"_self\"><img decoding=\"async\" src=\"\/img\/income.dd175754.svg\" width=\"110\" alt=\"Income Marketplace\" class=\"income-logo\"><\/a>\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-19\"><a href=\"https:\/\/getincome.com\/how-it-works\" class=\"elementor-item\">How it works<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-20\"><a href=\"https:\/\/getincome.com\/statistics\" class=\"elementor-item\">Statistics<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-213\"><a href=\"https:\/\/getincome.com\/loan-originators\" class=\"elementor-item\">Loan Originators<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-22\"><a href=\"https:\/\/getincome.com\/team\" class=\"elementor-item\">Team<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-23\"><a href=\"https:\/\/getincome.com\/help\" class=\"elementor-item\">Help<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-24\"><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-25\"><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;\">Create Account<\/div><\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-86\"><a href=\"https:\/\/getincome.com\/login\" class=\"elementor-item\"><strong>Log In<\/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=\"Menu Toggle\" 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\">Menu<\/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-19\"><a href=\"https:\/\/getincome.com\/how-it-works\" class=\"elementor-item\" tabindex=\"-1\">How it works<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-20\"><a href=\"https:\/\/getincome.com\/statistics\" class=\"elementor-item\" tabindex=\"-1\">Statistics<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-213\"><a href=\"https:\/\/getincome.com\/loan-originators\" class=\"elementor-item\" tabindex=\"-1\">Loan Originators<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-22\"><a href=\"https:\/\/getincome.com\/team\" class=\"elementor-item\" tabindex=\"-1\">Team<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-23\"><a href=\"https:\/\/getincome.com\/help\" class=\"elementor-item\" tabindex=\"-1\">Help<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-24\"><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-25\"><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;\">Create Account<\/div><\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-86\"><a href=\"https:\/\/getincome.com\/login\" class=\"elementor-item\" tabindex=\"-1\"><strong>Log In<\/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\">P2P INVESTMENT SECURITY<\/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\">Three layers of protection.\n<br>\n No other P2P platform does this.<\/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 is the only P2P investment platform with a Cashflow Buffer, an exclusive mechanism that is designed to protect your investment even if a loan originator goes bankrupt.<\/p>\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\">Start Investing. Up to 15% p.a.<\/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>THE SECURITY FRAMEWORK<\/p>\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\">Two risks. Three protections.<\/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>Investors on P2P platforms face two distinct risks: borrower default and loan originator default.\u00a0Most P2P platforms stop at one layer of protection. When it comes to\u00a0<strong>P2P investment security<\/strong>, Income is the only platform that addresses both major investor risks with dedicated mechanisms.<\/p>\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\">Buyback Obligation<\/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>If a borrower falls more than 60 days behind on repayments, the loan originator is contractually required to buy the loan back from you, returning your full principal and accrued interest. This addresses borrower default risk.<\/p>\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\">Standard of all loans<\/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\">Cashflow Buffer<\/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>An exclusive Income Marketplace mechanism. If a loan originator itself defaults or goes bankrupt, the Cashflow Buffer activates, designed to ensure investors are repaid first from recovered funds before the originator receives anything. <span style=\"letter-spacing: -0.015em;\">This addresses LO default risk.<\/span><\/p>\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\">Exclusive to 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\">Junior Share<\/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>Each originator holds a portion of every loan (the Junior Share) that is subordinated to investor claims. In a default scenario, this share absorbs losses first, meaning investors are structurally first in the repayment queue, not just by promise.<\/p>\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\">Investors always repaid first<\/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>PLATFORM COMPARISON<\/p>\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\">How Income Marketplace compares on P2P investment security<\/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>Most P2P platforms stop at one layer of protection. Income is the only platform that addresses both major investor risks with dedicated mechanisms.<\/p>\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>\n  .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', sans-serif;\n    box-shadow: 0 4px 16px 1px rgba(48, 167, 254, 0.10);\n  }\n\n  .im-compare thead th {\n    padding: 16px 22px;\n    font-size: 15px;\n    font-weight: 700;\n    text-align: left;\n    background: #071D2D;\n    color: #FFFFFF;\n    letter-spacing: 0.2px;\n    border: none;\n  }\n  .im-compare thead th:nth-child(2) {\n    background: #30A7FE;\n    color: #FFFFFF;\n  }\n\n  .im-compare tbody td {\n    padding: 18px 22px;\n    font-size: 16.5px;\n    color: #6D818F;\n    border-bottom: 1px solid #E5E9F0;\n    vertical-align: middle;\n    line-height: 1.5;\n    transition: background 180ms cubic-bezier(0.25, 1, 0.5, 1);\n  }\n  .im-compare tbody tr:last-child td { border-bottom: none; }\n  .im-compare tbody tr:nth-child(even) td { background: #F7F9FB; }\n\n  .im-compare tbody td:nth-child(2) {\n    font-weight: 700;\n    color: #071D2D;\n    background: rgba(48,167,254,0.04) !important;\n  }\n\n  .im-compare tbody tr:hover td {\n    background: rgba(48,167,254,0.06) !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>\n\n<div class=\"im-compare-wrap\">\n  <table class=\"im-compare\">\n    <thead>\n      <tr>\n        <th>Security feature<\/th>\n        <th>Income Marketplace<\/th>\n        <th>Typical P2P platform<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td><a class=\"im-compare-link\" href=\"#buyback\">Buyback Obligation (60-day)<\/a><\/td>\n        <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>\n        <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>\n      <\/tr>\n      <tr>\n        <td><a class=\"im-compare-link\" href=\"#cashflow-buffer\">Protection against LO default<\/a><\/td>\n        <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>\n        <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>\n      <\/tr>\n      <tr>\n        <td><a class=\"im-compare-link\" href=\"#cashflow-buffer\">Cashflow Buffer (structural)<\/a><\/td>\n        <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>\n        <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>\n      <\/tr>\n      <tr>\n        <td><a class=\"im-compare-link\" href=\"#junior-share\">Junior Share (investors repaid first)<\/a><\/td>\n        <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>\n        <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>\n      <\/tr>\n      <tr>\n        <td><a class=\"im-compare-link\" href=\"#due-diligence\">Independent financial due diligence per LO<\/a><\/td>\n        <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>\n        <td>Varies by platform<\/td>\n      <\/tr>\n      <tr>\n        <td><a class=\"im-compare-link\" href=\"#due-diligence\">Bank proof required for LO loan data<\/a><\/td>\n        <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>\n        <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>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<script>\n(function() {\n  var el = document.currentScript.previousElementSibling;\n  while (el && !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        e.target.classList.add('is-visible');\n        io.unobserve(e.target);\n      }\n    });\n  }, { threshold: 0.15, rootMargin: '0px 0px -60px 0px' });\n  io.observe(el);\n})();\n<\/script>\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-605e588 e-flex e-con-boxed e-con e-parent\" data-id=\"605e588\" 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-ec5ac3f animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"ec5ac3f\" data-element_type=\"container\" id=\"buyback\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&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<div class=\"elementor-element elementor-element-d6365f9 e-flex e-con-boxed e-con e-child\" 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\">Borrower misses payment<\/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\">Days 1\u201360: Late payment process<\/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\">Day 60+: Overdue threshold reached<\/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\">Buyback Obligation activates<\/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>Loan originator must repurchase loan<\/p>\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\">You receive principal + interest<\/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>Regardless of borrower recovery<\/p>\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\">Layer 1 \u2014 Standard on all loans<\/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\">What is Buyback Obligation?<\/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>The Buyback Obligation is a contractual obligation that comes with every loan on Income Marketplace. If a borrower fails to repay for more than 60 days, the loan originator is contractually required to repurchase that loan from you.<\/p><p>When the buyback triggers, you receive your full invested principal plus all interest accrued up to that point, regardless of whether the originator has successfully recovered funds from the borrower themselves.<\/p>\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\">This protects you against Risk A: individual borrower default. You don't need to track late loans or chase recoveries. The originator absorbs that risk.<\/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>Most modern P2P platforms offer a buyback guarantee as standard. Where Income Marketplace goes further is in the additional two layers that protect against the more serious risk: the originator itself defaulting.<\/p>\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\">Layer 2 \u2014 Exclusive to 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\">What is the Cashflow Buffer?<\/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>Loan originator default (Risk b) is not covered on most platforms by any additional security measures. This means that if an originator cannot honour its buyback promise or goes bankrupt, investors have no buffer designed to ensure they get their money back.<\/p><p>Income Marketplace is the only platform with a Cashflow Buffer to protect investors against this risk.<\/p>\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\">The Cashflow Buffer is not a separate pot of money. It's a structural calculation, the combination of loan portfolio profitability, risk adjustments, and the Junior Share held by the originator.<\/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>If an originator defaults and Income takes over its portfolio, all profit from that portfolio, together with the originator&#8217;s Junior Share, is directed exclusively to repaying investor principal and interest first. Only after investors are fully repaid are any remaining funds transferred to the originator.<\/p>\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\">Investor share (e.g. 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>Regardless of borrower recovery<\/p>\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\">Paid out first<\/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\">Loan originator (Junior Share)<\/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>Only paid after investors are whole<\/p>\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\">Cashflow Buffer =<\/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>Loan profitability + Risk adjustments + Junior Share<\/p>\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\">If originator defaults<\/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>Income takes over the portfolio. 100% of profit and Junior Share is directed to repay investors first.<\/p>\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\">Investor share: 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<\/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 (other platforms)<\/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>10% held by LO, equal likelihood of loss. In default, both 10% and 90% share losses proportionally.<\/p>\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\">Junior Share (Income)<\/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>10% is junior to investor&#8217;s 90%. In default, the 90% is repaid first. The 10% absorbs losses.<\/p>\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\">Key distinction<\/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 = alignment and security.<\/p><p>Skin in the game = alignment only.<\/p>\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\">Layer 3 \u2014 Alignment and Security\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\">What is the Junior Share?<\/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>Many P2P platforms use &#8220;skin in the game&#8221;, where a loan originator holds a percentage of each loan alongside investors. This aligns incentives, but in a default scenario, both the originator&#8217;s share and the investor&#8217;s share have equal likelihood of loss.<\/p><p>Income Marketplace uses the Junior Share instead. The name comes from debt finance:\u00a0<em>junior debt<\/em>\u00a0has lower priority for repayment than senior debt claims. In a default, junior holders are only paid after senior holders are fully repaid.<\/p>\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\">In P2P terms: the originator's Junior Share is subordinated to investors. If a loan originator defaults, the investor's share is repaid first. The originator's Junior Share absorbs the majority of losses.<\/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>Importantly, the Junior Share is not a fixed indicator of risk level. Income Marketplace sets it after thorough financial analysis. If loan quality is high enough, the Junior Share can be 0% and investors are still structurally prioritised in repayment.<\/p>\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\">Real Worked Example<\/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\">What actually happens in a loan originator default?<\/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>Using Income Marketplace&#8217;s own published example: 1,000 loans, an originator defaults. Here&#8217;s exactly how the Cashflow Buffer aims to protect you.<\/p>\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 loans originated by the 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\">Loans performing normally<\/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\">Loans not performing (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\">Investor losses in this scenario<\/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\">Originator defaults. Income takes over.\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 invokes its existing agreements with local collection companies and takes over the entire 1,000-loan portfolio on behalf of investors.<\/p>\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\">Portfolio secured<\/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 performing loans continue performing themselves<\/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>The 800 loans where borrowers are repaying on time continue as normal and those borrower repayments flow directly to investors on schedule.<\/p>\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 loans performing<\/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\">Junior Share + excess earnings address the 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>The 200 non-performing loans are covered using the Cashflow Buffer: the originator&#8217;s Junior Share plus excess earnings from all 1,000 loans are directed to repay these on the original schedule.<\/p>\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 loans covered<\/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\tDesigned so everyone gets their investment back in a simple and fair way.\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\tThis is how the Cashflow Buffer works in practice. The key insight: you don't need 100% of loans to perform. The buffer is designed to cover a realistic level of non-performance. Income Marketplace calculates the required Junior Share level so that full investor repayment is is the target even in stressed scenarios, before the originator is approved to list loans.\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\">BEFORE ANY ORIGINATOR IS LISTED<\/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\">How we set the Cashflow Buffer<\/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>The security of the Cashflow Buffer is only as strong as the due diligence behind it. Here&#8217;s what happens before a loan originator is approved to list on Income Marketplace.<\/p>\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>\n\n<style>\n  .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\">Kick-off call with management<\/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>Income&#8217;s team discusses the originator&#8217;s product and goes through the two most critical lending processes: underwriting and collection methodology.<\/p>\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>\n\n<style>\n  .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\">KYC & AML screening<\/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>Each loan originator and its shareholders undergo full Know Your Customer and Anti-Money Laundering due diligence, including sanctions screening, PEP checks, and ultimate beneficial owner verification. We maintain this standard to stay on par with both current and anticipated regulatory requirements.<\/p>\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>\n\n<style>\n  .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\">Multidimensional loan book analysis<\/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>A deep analysis of the historical loan book, focusing on the &#8220;historical repayment coefficient&#8221;, which measures how much cash the portfolio actually generates. Multiple rounds of follow-up questions typically follow.<\/p>\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>\n\n<style>\n  .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\">Financial statements review (2+ years)<\/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>Full financial analysis with particular focus on liquidity and solvency ratios, identifying any signs of inflated assets, poor equity, or insolvency risk.<\/p>\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>\n\n<style>\n  .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\">Sanity & Completeness Check<\/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>The originator must provide bank proof for all money disbursed and received, verifying that the loan book data is actual and reliable, not fabricated.<\/p>\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>\n\n<style>\n  .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\">Junior Share is set<\/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>Based on the Repayment Coefficient \u00d7 all identified risks. The Junior Share level is unique to each originator and is set so that full investor repayment is the target even in stressed scenarios.<\/p>\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\tRED FLAGS THAT DISQUALIFY AN ORIGINATOR\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\">Low Repayment Coefficient: the loan portfolio isn't generating enough cash to support operations<\/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\">Sanctions exposure, PEP risk, or unverifiable ultimate beneficial owners among the originator's shareholders<\/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\">Inflated assets and poor equity position, which can indicate a potential insolvency issue<\/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\">Inadequately designed or manual processes that could produce data errors<\/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\">Insufficient data quality of the loan book<\/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\">Inability to provide bank proof for collected money<\/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\">Product features that conflict with local legislation (e.g. interest rates exceeding legal caps)<\/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\tFrom our Due Diligence team\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\tIncome Marketplace Financial Analysis\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\">How do you determine that an LO has \"good loans\"?<\/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>Generally speaking, the LO is required to have at least a sufficient Repayment Coefficient to provide our investors with the promised interest on invested money.<\/p>\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\">How many LOs have been declined to date?<\/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>Our due diligence team declined only one at the final stage, due to insufficient repayment coefficient and an improper banking reconciliation system, and a couple of others at earlier stages. The bar is high by design.<\/p>\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\">Is the Junior Share the same for all originators?<\/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. The process of setting the Junior Share is unique to each LO as we need to consider market-specific and originator-specific issues. If loan quality is strong enough, the Junior Share can be 0% and investors are still\u00a0structurally prioritised in repayment.<\/p>\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>COMMON QUESTIONS<\/p>\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\">Frequently asked questions<\/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>Everything investors ask about\u00a0P2P investment security\u00a0at Income Marketplace.<\/p>\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{\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>\n\n<style>\n  .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>\n\n<div class=\"im-faq-list\">\n\n  <details class=\"im-faq-item\">\n    <summary class=\"im-faq-q\">\n      <span>What's the difference between Junior Share and \"skin in the game\"?<\/span>\n      <span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span>\n    <\/summary>\n    <div class=\"im-faq-a\">\n      \"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>\n  <\/details>\n\n  <details class=\"im-faq-item\">\n    <summary class=\"im-faq-q\">\n      <span>Is the Cashflow Buffer the same as a buyback guarantee?<\/span>\n      <span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span>\n    <\/summary>\n    <div class=\"im-faq-a\">\n      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>\n  <\/details>\n\n  <details class=\"im-faq-item\">\n    <summary class=\"im-faq-q\">\n      <span>What happens to my money if a loan originator goes bankrupt?<\/span>\n      <span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span>\n    <\/summary>\n    <div class=\"im-faq-a\">\n      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>\n  <\/details>\n\n  <details class=\"im-faq-item\">\n    <summary class=\"im-faq-q\">\n      <span>Can the Junior Share be 0%? Does that mean I'm unprotected?<\/span>\n      <span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span>\n    <\/summary>\n    <div class=\"im-faq-a\">\n      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>\n  <\/details>\n\n  <details class=\"im-faq-item\">\n    <summary class=\"im-faq-q\">\n      <span>How does Income Marketplace decide how large the Junior Share needs to be?<\/span>\n      <span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span>\n    <\/summary>\n    <div class=\"im-faq-a\">\n      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>\n  <\/details>\n\n  <details class=\"im-faq-item\">\n    <summary class=\"im-faq-q\">\n      <span>Can I still lose money on Income Marketplace?<\/span>\n      <span class=\"im-faq-icon\" aria-hidden=\"true\"><\/span>\n    <\/summary>\n    <div class=\"im-faq-a\">\n      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>\n  <\/details>\n\n<\/div>\n\n<script>\n(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\">Start Building Your Wealth Today!<\/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>Start investing in loans with yields up to 15 % p.a.<\/p>\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\">Create account<\/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\">Live Statistics<\/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>P2P INVESTMENT SECURITY Three layers of protection. No other P2P platform does this. Income Marketplace is the only P2P investment platform with a Cashflow Buffer, an exclusive mechanism that is designed to protect your investment even if a loan originator goes bankrupt. Start Investing. Up to 15% p.a. THE SECURITY FRAMEWORK Two risks. Three protections. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12707,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/pages\/7114"}],"collection":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/comments?post=7114"}],"version-history":[{"count":233,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/pages\/7114\/revisions"}],"predecessor-version":[{"id":12719,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/pages\/7114\/revisions\/12719"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media\/12707"}],"wp:attachment":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media?parent=7114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}