Item: Esketit
Rating: 0.0
Author: Crowdinform

Esketit is a platform offering investments in loans with an average interest rate 11.38%, starting from as little as 10 EUR.

Esketit is a European peer-to-peer (P2P) lending platform where retail investors can buy claim rights to consumer and short-term loans issued by partner loan originators, starting from as little as €10 per investment.

It offers competitive returns, often around 9–12%+ annual interest, depending on loan type and originator, with monthly repayments of principal and interest.

Many loans include a buyback guarantee, meaning the originator agrees to repurchase a loan if it becomes significantly overdue, which can help reduce credit risk.

Investors can use auto-invest and a secondary market to reinvest or sell loans, although liquidity is not guaranteed and market access has shifted with recent structural changes. The platform is not a regulated financial institution, so capital is not protected by deposit insurance, and returns depend on the performance of underlying loan originators.

Overall, Esketit appeals to investors seeking higher-yield fixed-income alternatives with moderate risk tolerance and a willingness to manage the inherent P2P lending risks.

Useful Information

Why invest on Esketit?

On Esketit you can make a relatively large returns 12.35% p.a.

The platform has all the required tools- auto-invest, secondary market.

Investors can invest in USDT and USDC.

How does Esketit work?

Esketit operates as a so-called peer-to-peer marketplace, meaning you are not providing loans but you invest in already issued loans by some microfinance companies also called loan originators.

Given that all loan originators are offering a buyback guarantee (promise to buy back loan from you in case it becomes overdue) it would be fair to say that investors are basically providing loans to loan originators that are secured with claim rights towards end borrowers.

What investments does Esketit offer?

On Esketit you can invest in loans issued by microfinance companies from AvaFin Holding (formerly known as Creamfinance). Spanda Capital issues business loans in Latvia. Lendon, Extraportfel issues short-term loans in Poland. CreditAir issues long-term loans in the Czech Republic. Money for Finance issues short term in Jordan. Lyric Financial - Utopia Music issues long-term loans in Lichtenstein. Creditosi issues short-term loans in Spain. A24 Group mortgage loans in Latvia.

What is a risk when investing on Esketit?

When investing on Esketit you basically provide a loan to the Loan originator thus your main risk is that the Loan origination will not be able to fulfill its obligations.

Should be mentioned that Loan originations on Esketit are affiliated companies and thus might create transparency risk.

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