P2P Platform

Esketit Review

Esketit Review: Is it good? Don't invest before you read this!

14 March 2023
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Lower Camden Street 77, 2 D02 XE80 Dublin Ireland

Review result

3.5 of 5


Basic Information Basic Information

Founding Date:
July 2020
Funded Loans:
Investor Protection:

Interest & Red Flags Interest & Red Flags

Minimum Interest Rate:
Maximum Interest Rate:
Average Interest:
Red Flags:

Loans Loans

Minimum Investment:
Minimum Investment Term (Months):
Maximum Investment Term (Months):
Loan Originators:
Payday Loans:
not available
Personal Loans (Consumer Loans):
Business Loans:
Real Estate Loans:
Other Loans:
Worst Rating:
Best Rating:

Features Features

Manual Investing:
not available
Automatic Investing:
not available
Buyback Guarantee:
not available
Secondary Market:
not available
Tax Report:
not available

Fees Fees

Investing Fee:
Deposit Fee:
Withdraw Fee:
Accounting Management Fee:
Secondary Market Selling Fee:
Secondary Market Buying Fee:

What is Esketit?

Infographic: how does Esketit work

Esketit is a Dublin, Ireland-based P2P platform that was founded in 2020.

The platform is owned by the two founders Davis Barons and Matiss Ansviesulis, who are also the owners of Creamfinance Group.

This, in turn, explains why on Esketit you can only invest in loans from credit brokers that are either subsidiaries of Creamfinance Group or directly owned by the founders of the platform.

Since the platform itself does not broker loans, it is also called a P2P marketplace.

Since its inception, the platform has funded more than €177 million worth of P2P loans, making it one of the mid-sized P2P platforms.

Mintos spin-off

You might already know the P2P loans offered if you are signed up on Mintos.

This is because Esketit is one of the spin-offs of Mintos, which also includes Lendermarkt.

Prior to its founding, Creamfinance Group offered loans on Mintos on a very large scale and is still active there today.

How does Esketit make money?

Esketit makes its money from commissions charged by loan brokers.

At the current time, this is the only way of income, as almost no fees are charged from investors.

Who owns Esketit?

Esketit is owned by the two founders of the platform Davis Barons and Matiss Ansviesulis.

Esketit is not regulated by an official financial market regulator, which typically leaves no doubt about the safety of a platform.

However, the fact that the platform was able to finance loans worth more than €177 million speaks for its seriousness.

Furthermore, the close ties with the Creamfinance Group (the founders of the platform are the owners of the Creamfinance Group) also speak for a serious company.

This is also evident in the credit brokers that either belong to the Creamfinance Group or are directly owned by the founders of Esketit.

In our opinion, we would therefore rate the platform as safe.

How does Esketit work?

At Esketit, you must first register and fund your account via a bank transfer before you can start investing.

With your first transfer to your account, you also confirm the bank account to which you can withdraw money in the future.

For investments, Esketit requires a minimum investment amount of 10 € and it is up to you whether you want to invest manually or automatically.

On the platform, you can invest on the primary market (initial issuance of loans) and secondary market (loans from other investors).

How can I invest on Esketit?

On Esketit you can choose the loans you want to invest in individually.

This makes sense especially in the beginning, when you want to invest your amount quickly.

It is even faster if you also use the secondary market in case there are not enough loans on the primary market that meet your requirements.

With the investment function Auto Invest you can automatically invest in the offered loans.

A practical feature is that the platform offers you three preset strategies:

  • Diversified,

  • Jordan and

  • CreamFinance.

At the beginning, you only need to specify once in which loans you want to invest.

However, if you want to follow your own strategy, you can specify different settings. The most important ones are:

  • Investment per loan,

  • interest rate,

  • remaining loan term,

  • countries,

  • types of credit,

  • credit intermediary (credit provider) and

  • Buyback Guarantee only.

Auto Invest makes a tidy impression and is straightforward to use.

In our opinion, it is not overloaded and offers all important options.

We find it a bit of a shame that you can only invest on the primary market with Auto Invest, because you can\'t automatically invest on the secondary market.

How do I get cashback on my investments with Esketit?

If you sign up with our cashback link*, you will get 1% cashback on your investments after your registration.

For the calculation of the cashback, your investments during the first 90 days after your registration will be taken into account.

What warning signs should I be aware of with Esketit?

At the moment we have not noticed any warning signs.

Review result Review result

with all advantages & disadvantages

Safety (40.00%)


Gewichtigung: Age: 40.00%, Funded Loans: 40.00%, Regulation: 20.00%.

Age: 2 Years
2.00 / 5

The platform is still quite young. In the past, mainly platforms that were less than 3 years old have failed suddenly (increased risk of fraud).

Funded Loans: €177,702,355.00
3.00 / 5
Regulation under-average
0.00 / 5

The platform is not officially regulated. This means the platform is not subject to ongoing monitoring by an independent third party.

Interest and Risk (40.00%)


Gewichtigung: Average Interest: 50.00%, Red Flags: 50.00%.

Average Interest: 13.26%
4.43 / 5

over-average over-average The average interest rate is comparatively much higher than other platforms.

Red Flags: 0
5.00 / 5

over-average over-average The platform has no red flags that investors should pay attention to.

Features (20.00%)


Gewichtigung: Automatic Investing: 20.00%, Buyback Guarantee: 20.00%, Secondary Market: 20.00%, Tax Report: 20.00%, App: 20.00%.

Automatic Investing under-average
5.00 / 5
Buyback Guarantee under-average
5.00 / 5
Secondary Market under-average
5.00 / 5
Tax Report under-average
5.00 / 5
App under-average
0.00 / 5

Gesamtpunktzahl: 3.5 of 5

Hinweis: Although we take every care to ensure the accuracy of the information and the representative example, no warranty can be given with regard to the correctness, accuracy, timeliness, reliability and completeness of the content. All information is based on the available information from the provider.

Last updated on 14 March 2023