Esketit Update September 2026: My P2P Portfolio, All 58 Loans on Time & 0.5% Cashback

Time for an Esketit update. The P2P platform has become a fixed building block in my portfolio for short-term loans: my account balance is currently €2,317.42, all 58 loans are paying on time right now, and through my link new users get 0.5% cashback. In this post I take you transparently through my own account – including the honest weaknesses like cash drag and the fact that Esketit is not regulated.

As always, first the most important note: this is not investment advice and not a buy recommendation, just my personal opinion and experience. P2P investments like this are high-risk – only invest money whose total loss you could handle. The Esketit link is a partner link: if you use it, you support my work at no extra cost to you.

My Esketit portfolio in numbers

Let's start with the account. My balance is €2,317.42 – of which €2,240.37 is invested and €77.05 is sitting free (more on that later, keyword cash drag). Pending payments: €0.00.

A quick note on the video: I say there "I'm invested with €2,317.42" – to be precise, that's my total account balance. What's actually invested is €2,240.37, the remaining €77.05 is sitting free. Amounts of this size are deliberately a test portfolio for me: with unregulated platforms I ease in with manageable sums.

What exactly is Esketit?

Quickly, for anyone new: through Esketit you invest in short-term consumer and business loans. You buy shares of individual loans, earn interest and get your capital back when the loan is repaid. In my case almost all positions sit with the originator Nimbura from Malaysia (consumer loans, buyback obligation plus group guarantee).

The platform launched in December 2020 and is backed by Davis Barons and Matiss Ansviesulis, who are also behind the lending group AvaFin (formerly Creamfinance). Esketit is operated by Esketit Platform d.o.o. in Zagreb (Croatia) and Esketit Platform Limited in Dublin (Ireland) – in my account every loan is accordingly marked "by Esketit Croatia". Platform-wide, according to Esketit, over €1.02 billion in loan volume has been arranged and around €20.41 million in interest paid out to investors.

All 58 loans on time

This is the most pleasant part for me: right now I hold 58 loans – and all are "Current", i.e. on time. There isn't a single cent in any overdue bucket (1–15, 16–30, 31–60, 61+ days late).

Typical for Esketit are the very short terms: my shortest loan has 4 days left, the longest 23 days. That means money keeps coming back regularly and can in theory be reinvested right away. The interest rates on my Nimbura loans are currently 10–11%; older, completed loans I still had at 13%. So you can see rates have come down a bit recently. In total I've held 224 loans over time – the 58 are the ones currently active.

My income so far

Numbers say more than promises. In total I've earned €114.42 in income so far:

That breaks down into €104.42 interest plus a €10.00 bonus (nothing came from the secondary market because I haven't sold there). Platform-wide, Esketit shows an average interest rate of around 11.86% p.a. – that's an average across all investors, not a fixed rate and no guarantee. Given the short terms and the buyback obligation, that's a solid rate level for me, as long as you keep the risk in mind.

My auto-invest – and the honest cash drag

So I don't have to buy every loan by hand, I run an auto-invest called "Nimbura": target volume €3,000, of which 74.68% is reached (the €2,240.37). It invests €10–50 per loan, at 10–16% interest and 1–60 days remaining term, only in current Nimbura loans.

And this is exactly where the honest weakness lies right now:

• 0 matching loans: with my filter (1–60 days) the auto-invest currently finds not a single new offer. Only when I raise the term to 365 days do 14 loans appear at all.
• Primary market empty for short terms: for Nimbura the primary market right now offers almost only long-term loans (over 5 months) – which doesn't fit my short-term strategy.
• Secondary market only at a premium: the secondary market does have 4,986 loans, but in my filtered list they're consistently at +1 to +2% premium – not a single one at a discount.

The result: €77.05 is sitting idle and earning nothing. With small amounts that's bearable, but it clearly shows: at the moment Esketit is not a "deposit and everything is instantly invested" platform. My last automatic purchase was on 16 Sept 2026 – since then the reinvestment has stalled exactly here.

How safe is Esketit?

Here I have to be especially clear, because it's the biggest difference from regulated platforms:

Esketit is not regulated. The platform states verbatim in its own footer: "Esketit is not regulated under any financial services licence." So there's no financial supervision like with a regulated investment firm, and no deposit insurance like with a savings account. As a safety net the loans come with a buyback obligation plus a group guarantee from the originator – but that only works as long as the originator or group stays solvent. If an originator or the platform fails, your capital is at risk. That's exactly why Esketit is deliberately a smaller test portfolio for me and not my largest P2P building block.

0.5% cashback through my link

If you still want to try Esketit, through my referral link* you get 0.5% cashback as a new user on all investments in your first 90 days. To be fully transparent: it's a partner link. If you sign up through it, I receive a small commission – but it costs you nothing extra, on the contrary you get the cashback on top. The exact bonus terms are set by Esketit, so check them when you sign up.

My plan & verdict

My plan stays relaxed: I let the auto-invest keep running and top up Esketit in small steps (around €100–200) rather than making big jumps – precisely because of the cash drag, it's not worth putting in a lot of money at once that then waits around uninvested.

Bottom line, Esketit is doing fine for me: all 58 loans on time, €114.42 in income, short terms and a solid rate level around 11%, plus the buyback and group guarantee. The clear flip side is the current cash drag and above all that Esketit is not regulated – you need to be aware of that. If you try it, do so with money you can spare – and feel free to grab the cashback: go to Esketit through my link*.

Links marked with * are partner links. If you invest through them, you support my work – at no extra cost to you. Thank you!