Esketit
Ireland · Consumer · Founded 2020
Our score
Average return
14.0%
advertised maximum
Our verdict
Esketit pairs above-average yields with an ECSPR licence, which is a combination that barely existed two years ago. Operations have been clean, withdrawals fast, and the founders are the same people behind the Creamfinance group — experienced operators, but also the source of the platform's biggest weakness. A large share of the loan book comes from originators the founders themselves own, so 'independent marketplace' is not an accurate description of what you are buying.
What works
- Consistently among the highest yields available from a licensed platform
- Withdrawals have arrived same-day or next-day in every test we have run
- Secondary market with no exit fee
- Reporting is clear and the loan-level data is genuinely downloadable
What doesn't
- Heavy related-party exposure: much of the loan book comes from originators connected to the founders
- Short operating history — it has not been through a full credit cycle
- Geographic concentration in a handful of high-yield markets
- Group-level financials are less transparent than the platform-level ones
Who this is for
Investors who already hold a regulated core position and want a higher-yielding satellite — sized so that a related-party failure would be survivable.
How the score breaks down
How this score is calculatedEach dimension is scored 0–10 from documented inputs, then multiplied by its weight and summed. Nothing is rounded until the end.
Figure taken from: esketit.com · Sep 18, 2026 · Advertises returns of up to 14%
Terms & conditions tracker
We re-read the public terms of this platform every day and log what changed.