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Esketit vs Income

<article>
<h2>Esketit vs. Income Marketplace</h2>
<p>Esketit and the Income Marketplace are some of the fastest-growing platforms in 2024. In this comparison, we will compare the features of both P2P lending platforms, making it easier for you to determine which one fits you better. By the end of this article, you will better understand both platforms.</p>
<p>Esketit is a P2P lending platform, funding loans from the established finance group Creamfinance (AvaFin) and Money for Finance in Jordan, a lender owned by the founders of Creamfinance. On Esketit, you can invest in loans from the Czech Republic, Spain, Poland, and Jordan.&nbsp;</p>
<p>Income Marketplace is a P2P lending marketplace that lists loans from mainly payday loan lenders in Indonesia, Mexico, Colombia, Bulgaria, and Estonia.&nbsp;</p>
<p>Let&rsquo;s look at the statistics to understand better how both platforms perform.</p>
<table class="comparison3">
<tbody>
<tr>
<th>&nbsp;</th>
<th>Esketit</th>
<th>Income</th>
</tr>
<tr>
<td><strong>Investor base</strong></td>
<td>+ 5,000</td>
<td>+ 5,500</td>
</tr>
<tr>
<td><strong>Operating since</strong></td>
<td>2020</td>
<td>2021</td>
</tr>
<tr>
<td><strong>Minimum investment amount</strong></td>
<td>&euro;10</td>
<td>&euro;10</td>
</tr>
<tr>
<td><strong>Deposit/withdrawals</strong></td>
<td>Within three business days</td>
<td>Within three business days</td>
</tr>
<tr>
<td><strong>Protection</strong></td>
<td>Buyback + Group Guarantee</td>
<td>Buyback + Junior Share</td>
</tr>
<tr>
<td><strong>Average interest </strong></td>
<td>13.24% p.a.</td>
<td>10.81% p.a.</td>
</tr>
<tr>
<td><strong>Secondary market</strong></td>
<td>Yes, no fees</td>
<td>No</td>
</tr>
<tr>
<td><strong>Auto Invest</strong></td>
<td>Yes</td>
<td>Yes</td>
</tr>
<tr>
<td><strong>Diversification</strong></td>
<td>5 countries</td>
<td>8 countries</td>
</tr>
<tr>
<td><strong>Total loan volume</strong></td>
<td>&euro;204 M</td>
<td>&euro;45 M</td>
</tr>
<tr>
<td><strong>Interest earned</strong></td>
<td>&euro;2,000,000</td>
<td>N/A</td>
</tr>
<tr>
<td>&nbsp;</td>
<td><button class="redirect external_link_button promo promotable" value="esketit">Sign Up</button></td>
<td><button class="redirect external_link_button promo promotable" value="income">Sign Up</button></td>
</tr>
</tbody>
</table>
<h2>Risk and Return</h2>
<p>Understanding the risk of your investments is essential to be a successful investor. Both platforms offer investments in unsecured payday loans, meaning you are exposing yourself to <a href="https://p2pempire.com/en/is-peer-to-peer-lending-safe">various P2P lending risks</a>. Let&rsquo;s look at the protection systems that both platforms offer.&nbsp;</p>
<h3>Platform Risk</h3>
<p>Both platforms are founded by experienced financial professionals. Esketit was founded by Matiss Ansvesulis and Davis Barons, while Income was founded by Kimmo Rytk&ouml;nnen.&nbsp;</p>
<p><mark>We have conducted in-depth <a href="https://p2pempire.com/en/due-diligence">due diligence on the management</a> behind both platforms. P2P Empire has talked to the CEOs on multiple occasions and visited the headquarters of both platforms to learn more about the operations of Esketit and Income. As we write this comparison, we don&rsquo;t believe either platform has bad intentions.</mark></p>
<p>Both platforms are not regulated, meaning you must rely on the management to protect your interest.&nbsp;</p>
<p>Regarding security, Esketit offers a 2FA, while Income Marketplace doesn&rsquo;t.&nbsp;</p>
<p>Esketit and Income don&rsquo;t offer segregated bank accounts for its investors.</p>
<p>None of the platforms published an audited financial statement about the company operating the investment website.&nbsp;</p>
<p>You should know, however, that both P2P lending sites are not profitable yet.&nbsp;</p>
<h3>Lender Risk&nbsp;</h3>
<p>The return on your investment is <strong>directly related to the performance of the loan portfolio</strong> and the <strong>risk management followed by the loan originator</strong> to which you lend your money.&nbsp;</p>
<p>All lenders on both P2P lending sites follow the rules and regulations in their respective markets.&nbsp;</p>
<p>Note that the regulatory requirements differ in every country, meaning the lending practices in various regions vary.&nbsp;</p>
<p><strong>Esketit provides audited financial statements for all its lending companies, including interim reports. </strong>The company has live insights into the performance of the entire loan portfolio and control over risk management. This setup gives Esketit a better chance to mitigate potential risks.</p>
<p><strong>Income doesn&rsquo;t provide audited financial statements for most of its lending partners.</strong> While the marketplace mirrors the performance of the loans listed on the platform, it doesn&rsquo;t have access to the entire loan portfolio of the lender. Income relies on the reports that are provided by the loan originators.&nbsp;</p>
<p>The Income Marketplace is mitigating the lender risk with innovative protection systems such as &ldquo;Junior Share&rdquo; or &ldquo;Pledge of the portfolio&rdquo;. Both systems enable the marketplace to protect investors from lender risk. We recommend reading our Income review to fully comprehend the protection system.&nbsp;</p>
<h3>Business Models</h3>
<p>Esketit is a P2P lending platform that uses retail investors' funds to expand their lending volumes in various markets. The platform is a tool to support its revenue-generating business, which is lending companies.</p>
<p>Income is paid by the lender, so the loan originators are the clients, while investors are the product. You must understand this essential factor before investing in any platform.&nbsp;&nbsp;</p>
<h3>Borrower Risk</h3>
<p>The borrower risk on both platforms is mitigated by the buyback obligation, which is a promise by the lending company to repurchase your investment should the borrower be delayed with its payments for more than 60 days.&nbsp;</p>
<p>The buyback obligation is the best protection against defaulted loans, and so far, it has been honored on both Esketit and Income.&nbsp;</p>
<p>If you decide to invest in loans from Creamfinance on Esketit, your investment is also backed by a group guarantee that is offered by a profitable financial institution. Income Marketplace doesn&rsquo;t provide any group guarantee.&nbsp;</p>
<div class="tips-box">
<p>P2P Empire has researched the markets of the most significant lenders on both platforms. We have concluded that the borrower risk in emerging markets such as Indonesia, Mexico, or Colombia is much higher than in established European markets or Jordan. While lenders make significantly higher revenues in emerging markets, allowing them to cover losses with generated profits, we thought it&rsquo;s worth noting that the default rates in those markets are 3 x higher than in Europe or Jordan.&nbsp;</p>
</div>
<h3>Return</h3>
<p>Esketit offers up to 14% interest on well-performing loans from Jordan backed by a buyback guarantee. Additionally, you may earn 12% by investing in loans from Creamfinance, backed by a group guarantee.&nbsp;</p>
<p>Income offers up to 15% interest on payday loans from Indonesia. Your investment is backed by a buyback guarantee and a 35% Junior Share which can be seen as skin in the game.&nbsp;</p>
<h2>Liquidity</h2>
<p>Esketit offers a secondary market, allowing you to exit your position anytime.</p>
<p>In addition to a secondary market, you can use predefined investment strategies to diversify your portfolio in various markets.&nbsp;</p>
<p>The investment strategies come with a cash-out option, enabling you to withdraw your portfolio within 24 hours during normal market conditions.&nbsp;</p>
<p>Income Marketplace doesn&rsquo;t offer a secondary market yet, meaning you must wait until the loans are repaid to cash out your portfolio. This can take from one to five months.&nbsp;</p>
<h2>Support</h2>
<p>Esketit is offering support via email and their Telegram chat. Income Marketplace offers the same level of support as well as a Live Chat which is quite helpful.&nbsp;</p>
<p>Both platforms could accommodate our requests to visit their operations and answer critical questions.&nbsp;</p>
<h2>Summary&nbsp;</h2>
<p>Both Esketit and Income can be suitable options for investors seeking higher-yields in the P2P lending space. The choice between those two platforms comes down to your preference regarding the exposure and liquidity of your investment.&nbsp;</p>
<p>Esketit&rsquo;s Creamfinance loans will be a good fit if you wish to invest in well-established European lenders. If you want to diversify your portfolio across lenders in emerging markets with a higher interest rate, Income is the platform of your choice.&nbsp;</p>
<p>In terms of liquidity, Esketit is the clear winner in this category. So if you prefer to have the option to withdraw your money anytime, Esketit is the better option for you.&nbsp;</p>
<center>
<p class="question">Get a 1% Bonus on Esketit</p>
<button class="redirect external_link_button promo" value="esketit">Redeem Bonus on Esketit</button>
<p>Or read our in-depth <a href="https://p2pempire.com/en/review/esketit">Esketit review</a></p>
<p class="question">Get a 1% Bonus on Income</p>
<button class="redirect external_link_button promo" value="income">Redeem Bonus on Income</button>
<p>Or read our comprehensive <a href="https://p2pempire.com/en/review/income">Income review</a></p>
</center></article>

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