{"id":15248,"date":"2021-08-05T06:00:00","date_gmt":"2021-08-05T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/esketit-experience-top-3-p2p-platform-in-2023\/"},"modified":"2026-09-28T17:50:07","modified_gmt":"2026-09-28T15:50:07","slug":"esketit-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/esketit-review\/","title":{"rendered":"Esketit Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Esketit is a P2P platform registered in Croatia. Investors can invest in business loans and consumer loans. The expected return is in the low double-digit percentage range.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Esketit was established as a financing platform for the international lending operations of its two Latvian shareholders, who have decades of experience in the non-bank lending sector.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">In its early years, Esketit was among the fastest-growing P2P platforms in the market. The reasons: attractive interest rates from profitable loan originators, high liquidity and reliable repayments.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Following the exit of established loan originators (AvaFin) and the relocation to Croatia, which led to liquidity restrictions for investors, Esketit lost some of its appeal in 2025.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6aca84d721b42 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6aca84d721b42 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6aca84d721b42 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6aca84d721b42 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6aca84d721b42 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6aca84d721b42{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6aca84d721b42:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6aca84d721b42 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6aca84d721b42 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6aca84d721b42\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/esketit.png\" alt=\"Esketit\" style=\"--smush-placeholder-width: 1280px; --smush-placeholder-aspect-ratio: 1280\/328;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" \/><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/esketit.png\" alt=\"Esketit\" style=\"max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" \/><\/noscript>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:60%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(3)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 0.5% cashback on all investments made within the first 90 days after registration.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6aca84d721b42\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-esketit\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I am currently winding down my investment in Esketit, which I started in October 2022. My outstanding portfolio on the platform stands at 1.703 \u20ac. The total return (XIRR) to date is at 11,14%. My assessment of this platform is neutral, so I neither recommend nor advise against investing here.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Esketit?<\/strong><span style=\"color: #000000;\"><br \/><\/span><\/h2>\r\n<p><strong><a href=\"http:\/\/bit.ly\/rethink-p2p-goes-esketit\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10287 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/Esketit-Bonus-.jpg\" alt=\"esketit-bonus\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10287 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/Esketit-Bonus-.jpg\" alt=\"esketit-bonus\" width=\"300\" height=\"169\" \/><\/noscript><\/a><\/strong><\/p>\r\n<p>Esketit is a Croatia-based P2P platform that launched in December 2020. On the platform, investors can invest in both consumer loans and business loans. The offered interest rates are often in the high single digit or low double digit range.<\/p>\r\n<p>Esketit was founded by two experienced entrepreneurs, Matiss Ansviesulis and Davis Barons, who have been active in the international non-bank lending sector since 2012. Through Esketit, the founders created a financing platform to support the lending activities of the loan originators they established.<\/p>\r\n<p>Thanks to the combination of competitive interest rates from profitable loan originators, high liquidity, and reliable repayments, Esketit has been one of the fastest-growing P2P platforms in Europe since its founding in 2020.<\/p>\r\n<p>Interestingly, the name &#8220;Esketit&#8221; is based on <a href=\"https:\/\/youtu.be\/DPxL7dO5XPc\" target=\"_blank\" rel=\"noopener\"><strong>a song<\/strong><\/a> and a frequently used word by the US rapper Lil Pump, who came up with the expression &#8220;esketit&#8221; which refers to <span style=\"font-size: 1.125rem;\">&#8220;Let&#8217;s get it&#8221;.\u00a0<\/span><\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Esketit at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Esketit at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>July 2020 \/ December 2020<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Esketit Platform d.o.o.<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Zagreb, Croatia<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/ievagrigalune\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Ieva Griga\u013c\u016bne<\/strong><\/a> (July 2025)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 46.8+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>31,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>11.8%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>4.8 \/ 10 (Rank 24 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Consumer Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>Buyback Guarantee<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><span style=\"color: #000000;\"><strong>The Origin Story<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18102 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis.png\" alt=\"Esketit-Review-Founder\" width=\"500\" height=\"426\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis-300x256.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/426;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-18102\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis.png\" alt=\"Esketit-Review-Founder\" width=\"500\" height=\"426\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis.png 600w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Grunder-Davis-Barons-Matiss-Ansviesulis-300x256.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/noscript><\/a>Esketit was founded in July 2020. The launch of the website happened in December 2020 and the first loans have been issued in March 2021.<\/p>\r\n<p>The driving forces behind Esketit are the two founders Matiss Ansviesulis (left) and Davis Barons (right), who have already built a succesful company with AvaFin Holidng, formerly known as Creamfinance.<\/p>\r\n<p>The idea behind Esketit is to establish a low-cost funding source for their worldwide lending operations.<\/p>\r\n<h3><span style=\"color: #000000;\">Business Model<\/span><\/h3>\r\n<p>How does Esketit earn money? The platform generates its revenue primarily through commission fees charged to the lenders represented on the marketplace. These are divided into a fixed fee and a variable fee. The flexible fee depends on the financed loan volume on the platform.<\/p>\r\n<p>The average commission is around 2%, which corresponds to a standard market percentage.<\/p>\r\n<h3>Esketit On-Site Visit<\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21696 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Esketit-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"400\" height=\"534\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024-225x300.jpg 225w\" data-sizes=\"(max-width: 400px) 100vw, 400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 400px; --smush-placeholder-aspect-ratio: 400\/534;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-21696\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024.jpg\" alt=\"Esketit-Erfahrungen-P2P-Kredite-Reise-2024\" width=\"400\" height=\"534\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024.jpg 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/06\/Esketit-Erfahrungen-P2P-Kredite-Reise-2024-225x300.jpg 225w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/noscript><\/a>In June 2024, I visited the Esketit team in Riga. During my visit, I had the opportunity to speak with both shareholders Matiss Ansvisulis and Davis Barons as well as the then-CEO Vitalijs Zalovs. The conversations centred around three core topics: The limited loan supply on the platform at that time, the changed relationship with AvaFin following its acquisition by Capitec Bank and the business development in the Middle East, particularly in Jordan.<\/p>\r\n<p>Particularly insightful was the shareholders&#8217; open communication about their own shortcomings, including the underestimated complexity of acquiring external loan originators and the deliberate decision to grow more slowly rather than compromise on loan originator quality.<\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Esketit News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Esketit on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n<div class=\"rtp-review-news\"><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">07. October 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/new-lender-on-esketit-lionpro\/\" onclick=\"event.stopPropagation()\">New Lender on Esketit: Lionpro<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Esketit has added a new lender called Lionpro to its platform. The brand is operated by Latvian SIA L.J. Linen, a family-owned company that has been trading raw materials for animal feed for more than 30 years and is active in over 50 countries. The financing is used for working capital to fund trading cycles of three to five months.<\/p>\n<p>The loans are offered on Esketit with an interest rate of 8%. They are secured by a group guarantee and a pledge over trading assets, including goods in transit, inventories, and receivables of the group companies. In this context, Esketit clarified that the World Bank's MIGA guarantee of $9 million covers only political risks related to the Kenyan business and does not cover the receivables acquired on the platform.<\/p>\n<p>According to the company, the group generated revenue of \u20ac61.7 million in 2025 and a gross profit of \u20ac8.9 million. Net profit amounted to just \u20ac630,000, equivalent to around 1% of revenue. For context, commodity trading is a high-volume business with thin margins, meaning the strength of the group guarantee is heavily dependent on the results generated in any given year.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/blog.esketit.com\/lionpro-brings-global-trade-to-esketit\/\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">28. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/correction-new-license-for-goodeve-not-esketit\/\" onclick=\"event.stopPropagation()\">Correction: New License For Goodeve, Not Esketit<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Last week, I reported that the Latvian central bank had granted SIA IBC Invest an investment firm license. However, my conclusion that this meant Esketit was being placed on a regulated foundation was incorrect. Instead, a second, parallel platform owned by the same shareholders appears to be emerging.<\/p>\n<p>According to a report by Latvian business newspaper <em>Dienas Bizness<\/em>, the license granted to IBC Invest is connected to a new P2P platform called Goodeve.<\/p>\n<p>The shareholders are reportedly Davis Barons and Matiss Ansviesulis, the same individuals with the same ownership split as at Esketit. The new platform's management team also consists largely of current Esketit employees. These include Ieva Narbute as CEO, Zane Ziedone as Head of Legal, and Edgars Zari\u0146\u0161 as Director of Finance and Risk Management.<\/p>\n<p>According to the report, Goodeve plans to launch later this year, initially focusing on consumer loans. Corporate bonds and other niche segments are expected to be added at a later stage.<\/p>\n<\/div><\/div><\/div><div class=\"rrn-card\" onclick=\"this.classList.toggle('open')\"><svg class=\"rrn-chevron\" viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 6l4 4 4-4\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><div class=\"rrn-date\">23. September 2026<\/div><div class=\"rrn-title\"><a class=\"rrn-title-link\" href=\"https:\/\/rethink-p2p.de\/en\/news\/exclusive-esketit-obtains-investment-firm-license-in-latvia\/\" onclick=\"event.stopPropagation()\">Exclusive: Esketit obtains Investment Firm License in Latvia<\/a><\/div><div class=\"rrn-body\"><div class=\"rrn-content\"><p>Last week, the Latvian central bank granted SIA IBC Invest an investment firm license. The accompanying photo on LinkedIn shows Esketit CEO Ieva Griga\u013c\u016bne and Esketit shareholder Davis Barons.<\/p>\n<p>A look at the commercial register shows that the company is 100% owned by SIA IBC Holding, which in turn is split equally between Davis Barons and Matiss Ansviesulis. Essentially, the same shareholders and ownership structure as with Esketit.<\/p>\n<p>Following the chaotic relocation from Ireland to Croatia and the criticism that accompanied it, Esketit has now followed through on its announcement and put the platform on a regulated footing in Latvia this year. There hasn\u2019t been any official confirmation from the platform itself yet.<\/p>\n<\/div><div class=\"rrn-btns\"><a class=\"rrn-btn rrn-btn--source\" href=\"https:\/\/www.bank.lv\/en\/news-and-events\/news-and-articles\/news\/17795-latvijas-banka-is-issuing-an-investment-firm-licence-to-sia-ibc-invest\" target=\"_blank\" rel=\"noopener noreferrer\" onclick=\"event.stopPropagation()\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M4 2h5.5L12 4.5V14H4V2z\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M9 2v3h3\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linejoin=\"round\"\/><path d=\"M6 7h4M6 9.5h4M6 12h2.5\" stroke=\"currentColor\" stroke-width=\"1.2\" stroke-linecap=\"round\"\/><\/svg>Source<\/a><\/div><\/div><\/div><\/div>\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2>Shareholder and Management<\/h2>\r\n<p>Who are the main shareholders and management executives behind Esketit? Let&#8217;s have a look!<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Esketit <\/strong><\/span><span style=\"color: #000000;\"><strong>Shareholder<\/strong><\/span><\/h3>\r\n<p>Who owns Esketit? A look into the Irish company register reveals that &#8220;Esketit Platform Ltd.&#8221; is owned 50% each by the two founders <a href=\"https:\/\/www.linkedin.com\/in\/davis-barons-6a03ab19\/\" target=\"_blank\" rel=\"noopener\"><strong>Davis Barons<\/strong><\/a> and <a href=\"https:\/\/www.linkedin.com\/in\/mansviesulis\/\" target=\"_blank\" rel=\"noopener\"><strong>Matiss Ansviesulis<\/strong><\/a>.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22667 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership.jpg\" alt=\"Esketit-Review-Ownership\" width=\"1000\" height=\"448\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership-300x134.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership-768x344.jpg 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/448;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-22667\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership.jpg\" alt=\"Esketit-Review-Ownership\" width=\"1000\" height=\"448\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership-300x134.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/08\/Esketit-Erfahrungen-Gesellschafter-Esketit-Review-Ownership-768x344.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Both shareholders had already founded the Latvia-based <a href=\"https:\/\/info.ur.gov.lv\/#\/legal-entity\/40103442913\" target=\"_blank\" rel=\"noopener\"><strong>SIA Cream Finance<\/strong><\/a> in 2012. This company was an internationally operating non-bank lender in the private consumer loan segment. Here too, the shares were split equally, with each Latvian founder holding 50%.<\/p>\r\n<p>Back in 2019, I was able to meet Matiss Ansviesulis in Riga, one of the Esketit owners. At the time, we also recorded <a href=\"https:\/\/youtu.be\/KUaPqu0QTLU\" target=\"_blank\" rel=\"noopener\"><strong>a short interview<\/strong><\/a> during our meeting. In 2024, as part of my travels through the Baltics, I was able to meet both Esketit shareholders on-site in Riga and discuss a few topics.<\/p>\r\n<p><script class=\"podigee-podcast-player\" src=\"https:\/\/player.podigee-cdn.net\/podcast-player\/javascripts\/podigee-podcast-player.js\" data-configuration=\"https:\/\/rethink-p2p.podigee.io\/275-esketit-podcast-2024\/embed?context=external\"><\/script><\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Esketit Management<\/strong><\/span><\/h3>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-300x300.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-28420 size-medium lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-300x300.png\" alt=\"Esketit-Review-CEO-Management\" width=\"300\" height=\"300\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-70x70.png 70w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO.png 500w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/300;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-28420 size-medium\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-300x300.png\" alt=\"Esketit-Review-CEO-Management\" width=\"300\" height=\"300\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-300x300.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-150x150.png 150w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO-70x70.png 70w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/07\/Esketit-Erfahrungen-CEO-Esketit-Review-CEO-Esketit-Opiniones-CEO-Esketit-Avis-CEO.png 500w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/noscript><\/a><\/p>\r\n<p>On July 30, 2025, Latvian Ieva Griga\u013c\u016bne has been appointed as <a href=\"https:\/\/blog.esketit.com\/esketit-strengthens-leadership-to-support-growth\/\" target=\"_blank\" rel=\"noopener\"><strong>the new CEO of Esketit<\/strong><\/a>. She succeeded <a href=\"https:\/\/www.linkedin.com\/in\/vitaalijs\/\" target=\"_blank\" rel=\"noopener\"><strong>Vit\u0101lijs Zalovs<\/strong><\/a>, who has been with the platform since the beginning in 2021.<\/p>\r\n<p>Ieva brings nearly 10 years of professional experience working for <a href=\"https:\/\/rethink-p2p.de\/en\/mintos-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a>, where she was responsible for business development, risk management, and product management.<\/p>\r\n<p>As a result, Esketit is now led by an experienced and industry-savvy manager. Her main responsibilities include overseeing the operational structure, continuing the platform&#8217;s expansion, and implementing licensing.<\/p>\r\n<hr \/>\r\n<h2>Sign Up and Bonus<\/h2>\r\n<p>To invest on Esketit, investors must meet two requirements: A minimum age of 18 years and a bank account in the European Union or the European Economic Area.<\/p>\r\n<p>The sign-up process on Esketit is fairly simple and intuitive. After opening the account via email, the KYC and AML questionnaires must be completed. After that, the verification of the identity takes place as well as from the bank account.<\/p>\r\n<p>Also legal entities have the opportunity to register with Esketit.<\/p>\r\n<h3>Esketit Bonus<\/h3>\r\n\r\n<p><span style=\"color: #000000;\">A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/span><\/p>\r\n<hr \/>\r\n<h2><span style=\"color: #000000;\"><strong>Investing on Esketit<\/strong><\/span><\/h2>\r\n<p>How does Esketit work and what should investors know and consider when investing on the plaform? In the following sections of this Esketit review you will find all the necessary information that you need.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<p>On the Esketit marketplace, there are a variety of international lenders financing their loan portfolios through the P2P platform. Here\u2019s a brief overview:<\/p>\r\n<ul>\r\n<li><strong>Spanda Capital:<\/strong> A Latvia-based company founded by the two Esketit shareholders. Specializes in acquiring non-performing consumer loan portfolios (NPLs) in Spain. Present on Esketit since January 2024. Offers interest rates of up to 11%.<\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Mojo Capital:<\/strong><span style=\"font-size: 1.125rem;\"> A globally operating lending company based in the United Arab Emirates, also owned by the two Esketit founders. Specializes in financial services and products specifically targeted at fintech companies and asset management. Business loans are offered at 12% interest with a two-year term.<\/span><\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">MDI Finance:<\/strong><span style=\"font-size: 1.125rem;\"> Since August 2025, business loans from MDI Finance can be financed. The Latvia-based holding company is supporting the lending business of the Sri Lankan lender loanme.lk. The holding is owned by the two Esketit founders. Loans are offered at up to 12% interest.<\/span><\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">A24 Group:<\/strong><span style=\"font-size: 1.125rem;\"> A non-bank lender established 2010 in Latvia. Offers secured mortgage loans with interest rates of 7%.<\/span><\/li>\r\n<li><strong style=\"font-size: 1.125rem;\">Credus Capital:<\/strong><span style=\"font-size: 1.125rem;\"> Part of the A24 Group, created specifically for cooperation with Esketit. Provides an additional layer of security as Esketit holds a lien over the entire business. Offers mortgage loans with solid collateral (LTV &lt; 70%) and terms of up to three years.<\/span><\/li>\r\n<\/ul>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19062 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot.png\" alt=\"esketit-review-lender-loan-offering\" width=\"1000\" height=\"415\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot-300x125.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot-768x319.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/415;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19062\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot.png\" alt=\"esketit-review-lender-loan-offering\" width=\"1000\" height=\"415\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot-300x125.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Kreditgeber-Kreditangebot-768x319.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Costs and Fees<\/strong><\/span><\/h3>\r\n<p>For investors, there are no costs or hidden fees on Esketit. This applies to account maintenance, deposits, withdrawals, or any other services. Unfortunately, this is no longer a given on many other P2P lending platforms.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p>The interest rates on Esketit are determined by the lenders and thus can be adjusted flexibly. At the moment, the range for interest rates on Esketit is currently between 7% and 12%.<\/p>\r\n<p>Personally, I have been continuously investing on Esketit since October 2022. During this time, I have achieved a total return of 11.15%, which corresponds to a realistic return expectation.<\/p>\r\n<p><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18116 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus.png\" alt=\"esketit-review-return-loyalty-bonus\" width=\"1000\" height=\"184\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus-300x55.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus-768x141.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/184;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18116\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus.png\" alt=\"esketit-review-return-loyalty-bonus\" width=\"1000\" height=\"184\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus-300x55.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Loyalty-Bonus-768x141.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>If you invest enough money on the platform, you can improve your return even further. With an outstanding portfolio of more than EUR 25,000, you will receive an additional 0.5% interest and with more than EUR 50,000 even 1% more interest on all loans.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Auto_Invest\" style=\"color: #000000;\"><strong>Auto Invest<\/strong><\/span><\/h3>\r\n<p>On Esketit, investors can invest in loans either manually or via the Auto Invest feature. This allows loan repayments to be automatically reinvested according to the criteria chosen in advance. The Esketit Auto Invest is further divided into two types: the \u201cEsketit Strategies\u201d and the \u201cCustom Strategies.\u201d<\/p>\r\n<p><strong>Custom Strategies<\/strong> are more or less the classic Auto Invest. Investors can select individual lenders, borrower countries, the term of the loans, the interest rates, the investment amount, the loan type as well as the buyback guarantee option.<\/p>\r\n<p>For the <strong>Esketit Strategies<\/strong>, there is currently only one predefined investment option. The \u201cDiversified\u201d strategy automatically invests in all available loans. The allocation is evenly divided, with 20% each in Spanda Capital, Mojo Capital, JMD Investments, Mortgage Loans, and MDI Finance.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19064 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien.png\" alt=\"esketit-review-auto-invest-strategies\" width=\"1000\" height=\"316\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien-300x95.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien-768x243.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/316;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19064\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien.png\" alt=\"esketit-review-auto-invest-strategies\" width=\"1000\" height=\"316\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien-300x95.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Auto-Invest-Strategien-768x243.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>Investors who choose one of the predefined Esketit strategies can, if needed and depending on market demand, liquidate their entire loan portfolio immediately using the Cashout function.<\/p>\r\n<h3><span id=\"Gibt_es_einen_Sekundaermarkt_bei_VIAINVEST\" style=\"color: #000000;\">Secondary Market<\/span><\/h3>\r\n<p>Esketit offers a secondary market where investors can both buy and sell loans early. When selling, a premium (up to 2%) or a discount (up to 20%) can be applied. There are no costs or fees for using the secondary market.<\/p>\r\n<h3><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Buyback Guarantee<\/strong><\/span><\/h3>\r\n<p>Esketit promotes the concept of a buyback guarantee, whereby the loans are repurchased by the lenders after the loans are 60+ days late in the repayment schedule. Here, also the accrued interest is reimbursed.\u00a0<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19066 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie.png\" alt=\"esketit-review-buyback-obligation\" width=\"1000\" height=\"227\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie-300x68.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie-768x174.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/227;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-19066\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie.png\" alt=\"esketit-review-buyback-obligation\" width=\"1000\" height=\"227\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie-300x68.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/01\/Esketit-Erfahrungen-Ruckkaufgarantie-768x174.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>So far, the buyback guarantee on Esketit has always been honored by all lenders.<\/p>\r\n<hr \/>\r\n<h2><strong>Esketit Taxes<\/strong><\/h2>\r\n<p>Generally, interest income generated by loan financing is considered investment income and must be reported as such on the tax declaration. Unlike other platforms, Esketit does not withhold any taxes at the moment.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite.png\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18104 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite.png\" alt=\"esketit-review-taxes\" width=\"1000\" height=\"199\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite-300x60.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite-768x153.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/199;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-18104\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite.png\" alt=\"esketit-review-taxes\" width=\"1000\" height=\"199\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite-300x60.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/10\/Esketit-Erfahrungen-Steuern-P2P-Kredite-768x153.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>For the tax declaration, investors can download an income statement for tax report purposes as PDF within the &#8220;Statement&#8221; tab in the main menu. This information can then be used and forwarded to the tax office.<\/p>\r\n<hr \/>\r\n<h2>Esketit Risks<\/h2>\r\n<p>When considering a P2P platform, investors should take a very close look at the potential risk factors and evaluate them before making an investment. What should be considered in the specific case of Esketit? What are the underlying risks and how can they be assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>Esketit was founded in December 2020 and launched operations in March 2021. The platform was originally registered in Ireland as &#8220;Esketit Platform Limited&#8221; and relocated its registered office to Croatia in late 2025, where it now operates under the name &#8220;Esketit d.o.o&#8221;.<\/p>\r\n<p>Due to its domicile in Croatia, the platform is not subject to any supervision or oversight by a financial authority. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards. Currently, no financial reports are published by the platform.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 23 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">4.8<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:52%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">13 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--bad\">-5<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <div class=\"ss-rf-cluster\">\n        <div class=\"ss-rf-cluster-title\">Cluster C: Unilateral Contract Changes <span class=\"ss-rf-cluster-pts\">(-5)<\/span><\/div>\n        <div class=\"ss-rf-item\">Restricted liquidity after jurisdiction change <span class=\"ss-rf-pts\">-5<\/span><\/div>\n      <\/div>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<p>What speaks in favour of Esketit is its track record since 2021, during which the platform has consistently met its obligations towards investors. On the shareholder side, Matiss Ansvisulis and Davis Barons have a strong reputation and have previously established profitable business models across a range of borrower markets, which positively influences my personal risk assessment of the platform.<\/p>\r\n<p>That said, trust-building measures such as platform licensing, the publication of audited financial reports and a greater focus on transparent communication with investors would be desirable.<\/p>\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Investor funds at Esketit are held in segregated accounts through Verifo and are therefore kept separate from the platform&#8217;s own operating funds. Verifo is a licensed e-money institution based in Lithuania.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">Esketit in Crisis Situations<\/h4>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">As part of the relocation of its registered office from Ireland to Croatia, all liquidity functions on the platform were temporarily deactivated in late 2025. This included both the secondary market and the option of early repayments through Esketit&#8217;s Auto Invest strategies. During this period, investors were unable to withdraw their invested capital ahead of schedule.<\/p>\r\n<hr \/>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Esketit already able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No financial statement is published for investors.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No audited financial statement available.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p>So far, no financial results have been published for the Esketit platform. This lack of transparency is a key risk factor that investors should take into account when forming an overall assessment.<\/p>\r\n<hr \/>\r\n<h3>Lender Risk<\/h3>\r\n<p>The founders of Esketit have over 10 years of experience in the international lending business. It is therefore reasonable to assume that they understand what to look for, both with their own lending companies and with external lenders.<\/p>\r\n<p>If individual loan defaults occur, they are covered by the lenders\u2019 buyback guarantee. To date, this guarantee has been honored by all lenders without exception.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28916 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025.jpg\" alt=\"Esketit-Review-P2P-Lending\" width=\"1400\" height=\"495\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025.jpg 1400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025-300x106.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025-1024x362.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025-768x272.jpg 768w\" data-sizes=\"(max-width: 1400px) 100vw, 1400px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1400px; --smush-placeholder-aspect-ratio: 1400\/495;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28916\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025.jpg\" alt=\"Esketit-Review-P2P-Lending\" width=\"1400\" height=\"495\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025.jpg 1400w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025-300x106.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025-1024x362.jpg 1024w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-P2P-Kredite-Esketit-Review-P2P-Lending-Esketit-Opiniones-2025-Esketit-Avis-2025-768x272.jpg 768w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/><\/noscript><\/a><\/p>\r\n<p>It is also worth noting that all lenders on the marketplace are regulated and thus subject to national rules and regulations for lending. Should a lender nonetheless encounter problems, investors still retain claims and rights against the borrower.<\/p>\r\n<p>However, a comprehensive analysis of each lender is difficult for investors, as many loan originators have only a limited track record and therefore provide few or rarely meaningful figures on business performance.<\/p>\r\n<figure class=\"wp-block-table is-style-regular has-small-font-size kg-wrap\"><table class=\"kg-table\"><thead><tr><th class=\"kg-sort\" data-col=\"0\"><strong>Lender<\/strong><\/th><th class=\"kg-sort\" data-col=\"1\"><strong>Year<\/strong><\/th><th class=\"kg-sort\" data-col=\"2\"><strong>Audited<\/strong><\/th><th class=\"kg-sort\" data-col=\"3\"><strong>Profit<\/strong><\/th><th class=\"kg-sort\" data-col=\"4\"><strong>ROA<\/strong><\/th><th class=\"kg-sort\" data-col=\"5\"><strong>Equity<\/strong><\/th><th class=\"kg-sort\" data-col=\"6\"><strong>Liquidity<\/strong><\/th><th class=\"kg-sort\" data-col=\"7\"><strong>Losses<\/strong><\/th><th class=\"kg-sort kg-desc\" data-col=\"8\"><strong>Score<\/strong><\/th><\/tr><\/thead><tbody><tr><td data-sort=\"jet finance kz\">Jet Finance (KZ)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aY3cmt0YXLCxVujV_IFRS2024FSMFOMOGOKZ_ENG.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"stark\" data-sort=\"grant thornton\">Grant Thornton<\/td><td class=\"stark\" data-sort=\"1190419\">EUR 1.2M<\/td><td class=\"stabil\" data-sort=\"4.4\">4.4%<\/td><td class=\"mittel\" data-sort=\"20.6\">20.6%<\/td><td class=\"mittel\" data-sort=\"1.15\">1.15<\/td><td class=\"stabil\" data-sort=\"13.4\">13.4%<\/td><td class=\"stabil\" data-sort=\"79\">79<\/td><\/tr><tr><td data-sort=\"spanda capital es\">Spanda Capital (ES)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aJs_zqTt2nPbaOCM_2961-25Audit_Report_SPANDAFINANCEESPAN%CC%83A_SLU2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"cort\u00e9s y asoc.\">Cort\u00e9s y Asoc.<\/td><td class=\"mittel\" data-sort=\"12073\">EUR 12K<\/td><td class=\"risiko\" data-sort=\"0.4\">0.4%<\/td><td class=\"kritisch\" data-sort=\"0.2\">0.2%<\/td><td class=\"risiko\" data-sort=\"0.85\">0.85<\/td><td class=\"risiko\" data-sort=\"34\">34.0%<\/td><td class=\"risiko\" data-sort=\"41\">41<\/td><\/tr><tr><td data-sort=\"mojo capital ae\">Mojo Capital (AE)<\/td><td data-sort=\"2025\"><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/-uwiRQH_wG419NYA_FINANCIALSTATEMENT-MOJO-20251231.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2025<\/a><\/strong><\/td><td class=\"kritisch\" data-sort=\"unaudited\">Unaudited<\/td><td class=\"stabil\" data-sort=\"327466\">EUR 327K<\/td><td class=\"stabil\" data-sort=\"3.9\">3.9%<\/td><td class=\"kritisch\" data-sort=\"1.6\">1.6%<\/td><td class=\"stark\" data-sort=\"17.71\">17.71<\/td><td class=\"\"><\/td><td class=\"kritisch\" data-sort=\"35\">35<\/td><\/tr><tr class=\"kg-ns\"><td data-sort=\"jmd investments lv\">JMD Investments (LV)<\/td><td data-sort=\"2024\"><strong><a href=\"https:\/\/esketit.cdn.prismic.io\/esketit\/aR8OjWGnmrmGqExe_FS_JMD_2024-en-.pdf\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">2024<\/a><\/strong><\/td><td class=\"mittel\" data-sort=\"baker tilly\">Baker Tilly<\/td><td class=\"stark\" data-sort=\"4636075\">EUR 4.6M<\/td><td class=\"stark\" data-sort=\"32.2\">32.2%<\/td><td class=\"stark\" data-sort=\"51.8\">51.8%<\/td><td class=\"kritisch\" data-sort=\"0.25\">0.25<\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"a24 group lv\">A24 Group (LV)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"credus capital \">Credus Capital<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"lionpro lv\">Lionpro (LV)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"mdi finance lk\">MDI Finance (LK)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><tr class=\"kg-ph\"><td data-sort=\"nimbura my\">Nimbura (MY)<\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><td class=\"\"><\/td><\/tr><\/tbody><\/table><\/figure><script data-category=\"functional\" src=\"https:\/\/rethink-p2p.de\/wp-content\/themes\/maxwell\/kreditgeber-sort.js?v=1787559527\"><\/script>\r\n<p>Check out the <a href=\"https:\/\/rethink-p2p.de\/en\/loan-originators\/\" target=\"_blank\" rel=\"noopener\"><strong>lender overview and comparison page<\/strong><\/a> for additional information regarding applied KPIs and their interpretation.<\/p>\r\n<hr \/>\r\n<h2>Advantages and Disadvantages<\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Esketit.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2020<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Sustainably low default rate (&lt; 5%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> No capital losses for investors on the platform to date<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> Automated investment option available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Secondary market, short maturities or early exit possible<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> No fees or costs for investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> No investment license or control by a financial supervisory authority<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> No or only unaudited financial reports available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflicts of Interest:<\/strong> Shareholder overlaps between platform and lenders<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liability:<\/strong> Investors may be required to contribute to the costs of a recovery process<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><strong>Summary Esketit Review<\/strong><\/h2>\r\n<p>What the final verdict of my Esketit review and which conclusions can be drawn for investors?\u00a0<\/p>\r\n<p>Esketit is an Ireland-registered P2P platform where investors primarily invest in business loans from internationally operating lenders, earning returns of up to 12%.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28920 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending.jpg\" alt=\"Esketit-Review-2025-P2P-Lending\" width=\"1000\" height=\"484\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending-300x145.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending-768x372.jpg 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/484;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-28920\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending.jpg\" alt=\"Esketit-Review-2025-P2P-Lending\" width=\"1000\" height=\"484\" srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending.jpg 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending-300x145.jpg 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/08\/Esketit-Erfahrungen-2025-P2P-Kredite-Esketit-Review-2025-P2P-Lending-768x372.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/noscript><\/a><\/p>\r\n<p>The popularity of Esketit, which has led to two top 5 rankings in the 2023 and 2024 community voting, is relatively easy to explain: The platform offers competitive interest rates, coupled with high liquidity and reliable repayments. Achieving a double-digit return with Esketit is therefore absolutely realistic.<\/p>\r\n<p>What also speaks in favor of Esketit is the experienced founder duo, who have built and established profitable business models in a wide range of borrower countries for more than a decade. Esketit is therefore set to establish itself as one of the best options in the P2P lending space for\u00a0the long term.<\/p>\r\n<p>However, the change that Esketit has been undergoing since 2025 should also be taken into account: established lenders like AvaFin and Money for Finance have exited the platform, the operational management has been replaced, and there are increasing indications of a planned licensing.<\/p>\r\n<p>The departure of some bigger lenders is particularly significant, as Esketit is now increasingly taking on the profile of a P2P marketplace for new fintech startups with only a limited track record. The absence of financial figures therefore makes an objective evaluation of these companies difficult.<\/p>\r\n<p>Nevertheless, for those who believe in the success story of the P2P platform and value the founders\u2019 previous performance and know-how, Esketit represents a reliable alternative for your P2P portfolio.<\/p>\r\n\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Esketit Alternatives<\/strong><\/span><\/h3>\r\n<p>Already invested in Esketit? Or looking for similar platforms? Here are three Esketit alternatives from the P2P market.<\/p>\r\n<p><strong>Afranga:<\/strong> A regulated P2P marketplace based in Bulgaria, serving primarily as a financing channel for the lending business of its parent company. Afranga stands out through its ECSP licence, competitive interest rates and a notably clean performance record with no capital losses for investors to date. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/afranga-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Afranga review<\/strong><\/a>.<\/p>\r\n<p><strong>Nectaro:<\/strong> A regulated P2P marketplace based in Latvia, operating under MiFID II regulations and backed by an internationally established group. Loans are primarily used to fund the lending operations of the parent company. Affiliated loan originators offer competitive interest rates and a solid track record. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/nectaro-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Nectaro review<\/strong><\/a>.<\/p>\r\n<p><strong>Income Marketplace:<\/strong> An unregulated P2P marketplace headquartered in Estonia, which markets itself through innovative security features that are designed to protect investors from underperforming loan originators. Attractive combination of high interest rates and high liquidity. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/income-marketplace-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Income Marketplace review<\/strong><\/a>.<\/p>\r\n<p>You can find other Esketit alternatives on the <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a> page.<\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2>FAQ Esketit Review<\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1628170908788\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Esketit and how does the P2P platform work?<\/strong>\r\n<p class=\"schema-faq-answer\">Esketit is a P2P lending marketplace incorporated in Croatia. The platform primarily provides funding to fintech companies owned by its two shareholders to support their business development. Following its operational launch in December 2020, Esketit was, for many years, one of the most popular and fastest-growing platforms in the market.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1628170919644\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns and interest rates can investors expect on Esketit?<\/strong>\r\n<p class=\"schema-faq-answer\">On Esketit, interest rates vary depending on the market phase and the loan originator. The range is typically between 7% and 12%. An expected return in the low double digits can be considered realistic. Since 2022, the re:think P2P lending portfolio has achieved an average annual return of 11.15%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1628170932380\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How safe is investing on Esketit?<\/strong>\r\n<p class=\"schema-faq-answer\">In my Esketit review, the platform\u2019s risks have been described in detail. It should be noted that Esketit is not supervised by any financial authority (lack of regulation), there is no deposit protection, and loan originator risk has a significant impact on the returns that can be achieved.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1628170959036\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Does Esketit offer a buyback guarantee and how does it work?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes, Esketit offers a buyback guarantee. This means that loans must be repurchased by the loan originators once a certain repayment delay occurs (here: 60 days), including both the outstanding principal and accrued interest. So far, the buyback guarantee has been honored by all Esketit loan originators.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36676,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Esketit Review 2026: P2P Lending Platform in Transition!<\/title>\n<meta name=\"description\" content=\"Esketit Review 2026: P2P Lending Platform in Transition! \u274c Comprehensive review \u2795 Cashback bonus for new investors!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/esketit-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Esketit Review 2026: P2P Lending Platform in Transition!\" \/>\n<meta property=\"og:description\" content=\"Esketit Review 2026: P2P Lending Platform in Transition! 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