30670
investors
Esketit is a loan marketplace founded in 2020 by Davis Barons and Matiss Ansviesulis, and run from Zagreb, Croatia, since October 2025. You buy rights to repayments on loans made by partner lenders in Kazakhstan, Malaysia, Latvia and other countries. The platform shows €1.04 billion of loans bought by investors since launch and €20.9 million of interest paid (read 26 October 2026). In late 2025, during its move from Ireland to Croatia, Esketit switched off withdrawals, loan sales and early exits for several weeks, with about a week's notice.
You pay in euros or US dollars and buy slices of loans from €10, by hand or with auto-invest. In October 2026 the lenders were Nimbura (consumer loans, Malaysia, the largest current supply), Jet Finance (car loans, Kazakhstan), JMD Investments and MDI Finance (business loans, Latvia), Mojo Capital, Spanda Capital (which began leaving in August 2026), Credus Capital (mortgages) and Lionpro (new, no loans yet). In August 2026, five of the eight lenders were labelled by Esketit as owned by its founders. The platform is shrinking: loans outstanding fell to €45.8 million on 1 October 2026, and new loans funded fell from €12.6 million in August to €6.7 million in October 2026.
Esketit advertises annual returns of up to 14%. No lender pays that now: the average rates by lender run from 7% to 12% (October 2026), and Nimbura, the largest, cut its rate from 13% to 11% between August and October. The platform publishes no average or realised return for investors. Independent tracking of investor portfolios points to about 11% a year (August 2026).
Esketit's charts show no loan more than 15 days late at any lender (24 October 2026). Nimbura had 14.6% of its loans 1 to 15 days late, the first visible lateness on the platform. These charts do not measure how borrowers pay: each lender must buy back any loan 60 days late, so bad loans leave the figures before they can show up. On a marketplace like this a 0% default rate is normal; it tells you the lenders are still paying. Underneath, lenders' own books are weaker: Jet Finance reports 13.4% of its loans not performing and Spanda Capital 34%. No realised loss, recovery or buyback figures are published.
Your money is protected mainly by each lender's promise to buy back a loan once it is 60 days late. So the credit you really take is that of the lender behind each loan, not the borrower's. Since the founders' former lending group AvaFin left in June 2025, no group guarantee stands behind these promises, and there is no reserve fund or insurance. Some loans have security at the lender's level: Jet Finance lends against cars, and Credus Capital's mortgages are kept below 70% of the property's value. Investors hold rights to repayments, not the security itself. Several lenders are small and thinly funded: Spanda Capital's parent had negative equity in its 2024 accounts, and Mojo Capital funds about 1.6% of its balance sheet with its own money, on unaudited accounts. In plain words: if a lender fails while it owes buybacks, you could lose what you lent through it.
Esketit Platform d.o.o. (Zagreb, Croatia, registration no. 081526038) has been the contracting company since 15 October 2025; investors who did not move stayed with Esketit Platform Limited in Ireland, a separate company. The founders own the platform in equal shares. Esketit states that it is not regulated under any financial services licence, so no regulator supervises it and no compensation scheme covers investors.
Esketit charges investors no fees to pay in, invest, buy or sell on the secondary market, or withdraw. Your own bank may charge for transfers.
Normally you can sell loans to other investors before they end, at a discount or mark-up you set, and withdraw free cash. Loans that are late or suspended cannot be sold. These exits are a service, not a right: in late 2025 all of them were switched off for several weeks during the move to Croatia, investors who stayed with the Irish company lost access to the secondary market, and some investors report money locked for up to two years. Investors' cash is held in a bank account kept apart from Esketit's own money under its terms, but no regulator checks this.
Return: Very High — the platform advertises up to 14% a year, though current lender rates are 7% to 12% and no realised return is published. Risk: Medium (higher means more risk) — no loan shows as late beyond 15 days, but we rate it two steps worse because withdrawals were suspended in late 2025, the platform has no licence, there is no group guarantee, several lenders are thinly funded and volumes are falling. Risk-return: Medium — on a buyback marketplace the zero default rate is normal, so the balance rests on the strength and spread of the lenders; the rates on offer roughly match the risk of several weak lenders and a past freeze on withdrawals.
License / Regulation: No licence. Esketit states that it is not regulated under any financial services licence. Esketit Platform d.o.o. (Croatia, reg. no. 081526038) and Esketit Platform Limited (Ireland, no. 673443) are not authorised as crowdfunding service providers or investment firms, so no regulator supervises the platform and no investor compensation scheme applies.
No. Esketit states that it is not regulated under any financial services licence. No regulator supervises it and no compensation scheme covers investors.
Esketit holds cash in a bank account kept separate from its own funds, under its terms; it does not name the bank, and no regulator checks the arrangement. Once invested, your money is in rights to repayments on loans owed by the partner lenders.
€10 per loan. You can invest in euros or US dollars.
Esketit advertises up to 14% a year; current lender rates are 7% to 12% (October 2026), and no realised return is published. No loan showed as more than 15 days late on 24 October 2026, because lenders buy back loans 60 days late; Nimbura had 14.6% of its loans 1 to 15 days late. No investor losses or recoveries are published.
Mainly each lender's promise to buy back loans 60 days late, so you take that lender's credit. No group guarantee has stood behind these promises since June 2025, and there is no reserve fund or insurance. Some lenders hold security on their loans (cars at Jet Finance, mortgages below 70% of value at Credus Capital), but several lenders are small and thinly funded.
Normally yes: you can sell loans to other investors and withdraw free cash, at no fee, but late or suspended loans cannot be sold. In late 2025 withdrawals, sales and early exits were switched off for several weeks during the move to Croatia, so these exits are not assured.
None. Esketit charges no fees to pay in, invest, trade on the secondary market or withdraw. Your own bank may charge for transfers.
If a lender fails while it owes buybacks, you could lose what you lent through it; no group guarantee or compensation scheme steps in. If Esketit itself failed, you would depend on its contractual promise that client money is kept apart, which no regulator supervises.
Esketit moved its contracting company from Ireland to Croatia (Croatian terms effective 15 October 2025) and switched off withdrawals, loan sales and early exits for several weeks, with about a week's notice. Investors who stayed with the Irish company lost access to the secondary market, and some report money locked for up to two years.
