Esketit
Esketit is a peer-to-peer lending platform launched in 2020 by Matiss Ansviesulis and Davis Barons, who had founded the consumer lender AvaFin (formerly CreamFinance) in 2012. Investors buy claim rights on loans that partner lenders have already issued: consumer and car loans in Malaysia and Kazakhstan, mortgage-backed loans in Latvia, and business loans to lending ventures with portfolios in Spain, Sri Lanka and the Middle East. Several of those lenders belong to the same founders. The buyback is owed by the lender rather than by the platform and applies once a borrower is more than 60 days late. There is a secondary market. Since October 2025 the platform has been operated from Zagreb by Esketit Platform d.o.o.; claims bought before that date stay with the Irish company Esketit Platform Limited.
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Esketit in real numbers
Anonymized statistics from all Esketit portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
11.5%
Based on 286 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 130 stated strategies
Combined portfolio value
€1,755,196
Investors on P2P Dash
393
Interest earned all-time
€620,627
Median cash drag
3.6%
Share of funds sitting uninvested
Important Notes
- Esketit keeps Ireland and Croatia as separate portfolios, each with its own account statement. If you have both, you need both files
- Add both files at once, also for later updates, and pick the “Combine” mode. With “Update”, or with one import per file, only one file counts on days that appear in both, and your totals come out wrong. If your numbers are already off, just import both files again this way, you don't need to delete anything
- Import both into one Esketit platform, not two. Loans bought through Ireland can be repaid through Croatia, so the two portfolios only match Esketit's numbers when added together
Compare Esketit head-to-head
Esketit returns over time
Median annual return of Esketit investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
12.5%
103 investors
12.8%
2021
13.7%
2022
11.8%
2023
11.1%
2024
11.3%
2025
12.7%
2026
Is money moving into Esketit?
Monthly deposits minus withdrawals across Esketit investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€25,370
393 investors tracking
In Q3 2026, Esketit ranks 50 of 51 platforms by net capital flow. See all capital flows for Q3 2026 →
How is sentiment on Esketit changing?
The strategies Esketit investors state on P2P Dash, week by week. Each of them sets one per platform: add funds, reinvest, hold, reduce or exit.
Community score
Weekly, on a scale from 0 to 100. Above 50, plans to add money outweigh plans to take it out; below 50 it is the other way round. The bars below show how many changed their strategy that week, and in which direction.
Community score
37
as of Nov 12, 2026
Last 7 days
+1
- More cautious
- 0
- More confident
- 0
Nov 6 to Nov 12, 2026
Strategies over time
Share of each strategy among all stated ones, week by week.
Show all weeks as a table
| Week | Community score | Votes | More confident | More cautious | New votes | Reset | Add funds | Reinvest | Hold | Reduce | Exit |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Nov 2 to Nov 8, 2026 | 37 | 125 | 1 | 1 | 1 | 0 | 15% | 13% | 14% | 21% | 38% |
| Oct 26 to Nov 1, 2026 | 36 | 124 | 0 | 2 | 4 | 0 | 15% | 12% | 14% | 21% | 38% |
| Oct 19 to Oct 25, 2026 | 37 | 120 | 1 | 2 | 2 | 0 | 16% | 13% | 13% | 22% | 37% |
| Oct 12 to Oct 18, 2026 | 37 | 118 | 1 | 1 | 3 | 1 | 16% | 12% | 12% | 23% | 37% |
| Oct 5 to Oct 11, 2026 | 38 | 116 | 0 | 3 | 1 | 0 | 17% | 12% | 12% | 22% | 36% |
| Sep 28 to Oct 4, 2026 | 39 | 115 | 1 | 3 | 3 | 0 | 17% | 14% | 12% | 20% | 37% |
| Sep 21 to Sep 27, 2026 | 40 | 112 | 1 | 1 | 1 | 0 | 18% | 14% | 13% | 18% | 37% |
| Sep 14 to Sep 20, 2026 | 39 | 111 | 2 | 3 | 2 | 0 | 18% | 13% | 14% | 18% | 37% |
| Sep 7 to Sep 13, 2026 | 40 | 109 | 0 | 4 | 3 | 0 | 17% | 13% | 17% | 17% | 36% |
| Aug 31 to Sep 6, 2026 | 42 | 106 | 2 | 6 | 5 | 3 | 19% | 13% | 18% | 18% | 32% |
| Aug 24 to Aug 30, 2026 | 44 | 104 | 0 | 1 | 1 | 0 | 20% | 13% | 17% | 18% | 31% |
| Aug 17 to Aug 23, 2026 | 44 | 103 | 0 | 1 | 2 | 0 | 21% | 13% | 17% | 17% | 31% |
| Aug 10 to Aug 16, 2026 | 44 | 101 | 1 | 0 | 3 | 0 | 22% | 13% | 17% | 18% | 31% |
| Aug 3 to Aug 9, 2026 | 43 | 98 | 0 | 0 | 3 | 0 | 21% | 11% | 17% | 18% | 32% |
| Jul 27 to Aug 2, 2026 | 41 | 95 | 1 | 0 | 4 | 1 | 19% | 12% | 18% | 19% | 33% |
Alternatives to Esketit
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
Full ranking:Consumer loans →Business loans (SME) →Real estate →
About this data: The figures on this page are aggregated from anonymized data that P2P Dash users import themselves, plus platform details we maintain by hand. We check both, but we cannot guarantee that they are complete or free of errors. Spotted a mistake? Write to tim@newnow.de and we will correct it.
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 2,124 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Esketit
Answers based on anonymized community data from P2P Dash investors.
What is Esketit?
Esketit is a peer-to-peer lending platform, founded in 2020 (headquarters: Croatia). On P2P Dash, investors import their Esketit account statements to track the real net return they earn there.
What return do investors actually earn with Esketit?
Across 286 Esketit portfolios tracked on P2P Dash, the median net return (XIRR) is 11.5%. The middle 50% of investors earn between 10.9% and 12.4% (as of November 12, 2026).
How many investors track Esketit on P2P Dash?
393 investors track their Esketit portfolios on P2P Dash, with a combined portfolio value of €1,755,196 and €620,627 in interest earned all-time.
How does Esketit rank among P2P platforms?
Esketit ranks 27 of 29 in the P2P Dash community ranking 2026. The ranking is based on what investors say they will do next with their money on each platform.
Are investors currently adding or withdrawing money at Esketit?
Of 130 stated strategies for Esketit, 28% plan to add funds or reinvest, 13% intend to hold, and 58% plan to reduce or exit (as of November 12, 2026).
Is Esketit regulated?
No, Esketit does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Esketit offer a buyback guarantee?
Yes, Esketit offers a buyback guarantee: if a loan is overdue beyond a set period, it is repurchased. Keep in mind that a guarantee is only as strong as the party standing behind it.
How do I analyze my Esketit portfolio?
Export your transaction history from Esketit (excel) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Esketit?
Based on the community ranking, the closest alternatives to Esketit in the same asset class are Modena, Revest, Nectaro. Each platform page shows real median returns and investor numbers from the P2P Dash community.