Overview
Esketit is a dynamic P2P lending platform offering some of the highest returns in the European market. Launched in 2020 by experienced fintech entrepreneurs, Esketit combines aggressive growth strategies with investor-friendly features like fee-free secondary market trading. With €855.1M in total funded volume and 30,000+ investors, the platform is rapidly expanding across Europe.
The platform focuses on consumer and short-term lending, delivering returns of 11.83% annually. Despite being unregulated, Esketit appeals to sophisticated investors seeking higher yields and is backed by the expertise of founders from AvaFin and CreamFinance.
Key Features
Auto-Invest
Secondary Market
Buyback Guarantee
Mobile App
Loan Types Available
Esketit specializes in consumer and short-term lending products, focusing on borrowers seeking rapid loan solutions. This concentrated portfolio strategy allows for more targeted risk management and streamlined underwriting processes.
Pros & Cons
Advantages
- ✓ Highest returns in the market at 11.83% annually
- ✓ Fee-free secondary market for maximum profit retention
- ✓ Experienced founders from AvaFin and CreamFinance
- ✓ Rapid fund deployment and responsive platform support
Disadvantages
- ✕ Unregulated platform with no investor protection framework
- ✕ Currently in transition with AvaFin leaving and relocation to Croatia
- ✕ Higher risk profile compared to regulated competitors
- ✕ Limited loan diversification focused on specific lending segments
How It Works
Complete Registration
Sign up with your email and complete basic verification. Minimum deposit is €10.
Deposit Funds
Transfer funds via bank wire. Deposits are processed quickly for immediate investing.
Select Investment Strategy
Choose individual loans or activate auto-invest for automatic diversification across available loans.
Earn and Trade
Collect interest payments monthly. Trade notes fee-free on the secondary market anytime.
Fee Structure
| Fee Type | Amount |
|---|---|
| Investment Fee | None |
| Secondary Market Fee | Free |
| Withdrawal Fee | None |
| Platform Fee | Embedded in returns |
Who Is It For?
Esketit is designed for sophisticated investors willing to accept higher risk in exchange for superior returns. The platform is best suited for:
- → Yield-focused investors seeking maximum returns above regulated platforms
- → Active traders leveraging the fee-free secondary market
- → Risk-tolerant investors comfortable with unregulated platforms
- → Portfolio diversifiers seeking alternative high-yield assets
- → European investors seeking exposure to dynamic P2P market
Top Lending Companies on Esketit
Esketit partners with dynamic fintech lenders across Europe offering consumer and B2B lending products. These three companies represent the largest originators driving growth on the platform.
Credus Capital
Ireland/Cyprus
Part of A24 Group. Provides mortgage loans backed by existing properties with LTV under 70%.
MojoCapital
Ireland
Owned by Esketit founders. Specializes in B2B loans to fintech and asset management companies at 12% interest rates.
Money for Finance
Lithuania
Part of Creamfinance group. Achieved EUR 86M in disbursements in 2024 with EUR 37.1M revenue, 30% growth.
Verdict
Esketit offers compelling returns of 11.83% annually with the significant advantage of fee-free secondary market trading. For aggressive investors seeking maximum yield, this platform delivers exceptional value. The experienced leadership team behind Esketit adds credibility to the venture.
However, the lack of regulatory oversight and current transition period introduce meaningful risks. This platform is best suited for experienced investors with substantial P2P lending experience who understand unregulated market risks and can afford potential capital loss. Monitor the relocation to Croatia and leadership changes carefully.
Frequently Asked Questions
Is Esketit regulated?
Esketit is currently not regulated under MiFID II or similar financial frameworks. The platform is in a transition period with a relocation to Croatia underway. While unregulated, Esketit is led by experienced fintech founders from AvaFin and CreamFinance who bring significant industry expertise.
Does Esketit have a secondary market?
Yes, Esketit offers a fee-free secondary market, which is one of its key advantages. You can sell your loan investments to other investors at any time without paying any transaction fees, providing good liquidity compared to platforms that charge secondary market fees.
What is the minimum investment on Esketit?
The minimum investment on Esketit is 10 euros, making it very accessible for new P2P investors. Combined with the auto-invest feature, you can start building a diversified portfolio from a small initial investment.
What returns does Esketit offer?
Esketit offers average returns of 11.83% annually. The platform focuses on consumer and short-term loans across multiple European markets. Returns vary based on loan type and duration.
Who are the founders of Esketit?
Esketit was founded in 2020 by experienced fintech entrepreneurs with backgrounds at AvaFin and CreamFinance, two established lending companies in Europe. This experience provides the platform with strong underwriting knowledge and operational expertise in P2P lending.