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Esketit vs PeerBerry

<article>
<h2>Esketit vs PeerBerry</h2>
<p>Esketit and PeerBerry are some of the most popular and reliable platforms in 2024. In this comparison, we will compare the features of both P2P lending platforms, so you can determine which P2P platform is better for you.</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.</p>
<p>On Esketit, you can invest in loans from the Czech Republic, Spain, Poland, and Jordan.&nbsp;</p>
<p>PeerBerry is a P2P lending marketplace offering investments in a handful of lending groups such as Aventus, Gofingo or SIB Group. Aventus Group is the largest lender on PeerBerry. The owner of Aventus is also a shareholder of PeerBerry.</p>
<p>PeerBerry offers investments in Poland, Vietnam, Kazakhstan, Moldova, Lithuania, and Kenya.</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>PeerBerry</th>
</tr>
<tr>
<td><strong>Investor base</strong></td>
<td>+ 5,000</td>
<td>+ 66,495</td>
</tr>
<tr>
<td><strong>Operating since</strong></td>
<td>2020</td>
<td>2017</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 + Group Guarantee</td>
</tr>
<tr>
<td><strong>Average interest </strong></td>
<td>13.24% p.a.</td>
<td>11.12% 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>7 countries</td>
</tr>
<tr>
<td><strong>Total loan volume</strong></td>
<td>&euro;204 M</td>
<td>&euro;1630 M</td>
</tr>
<tr>
<td><strong>Interest earned</strong></td>
<td>&euro;2,000,000</td>
<td>&euro;19,000,000</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="peerberry">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.</p>
<p>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>.</p>
<p>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. You can read our P2P lending reviews and watch our visit to the headquarters of both platforms, where we talk with the CEOs or founders of the companies.</p>
<p>Both platforms are not regulated, meaning you must rely on the management to protect your interest.&nbsp;</p>
<p>Regarding security, Esketit and PeerBerry offer a 2FA, and you can only withdraw money to a bank account in your name.&nbsp;</p>
<p>Both platforms don&rsquo;t offer segregated bank accounts for their investors.</p>
<p>Esketit hasn't yet published a financial report, while PeerBerry regularly reveals its financial situation in annual reports.</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>PeerBerry also publishes interim reports and internal performance updates</strong>, which help you understand how specific lending portfolios perform in various markets. The CEO of PeerBerry has live access to the portfolio's performance from its largest lending partner Aventus Group.</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 are lending companies.</p>
<p>The same business model applies to PeerBerry as well. Both platforms offer loans only from a very small number of companies, where they have deep insights into risk management.&nbsp;</p>
<p>Both platforms are paid based on the funding provided to their lending partners. The main difference is that Esketit and PeerBerry's purpose is to fund specific lenders, instead of trying to become a massive marketplace for loans like it's the case with <a href="https://p2pempire.com/en/review/mintos">Mintos</a>.</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 PeerBerry.&nbsp;</p>
<p>Suppose you decide to invest in loans from Creamfinance (Avafin). In that case, your investment will be backed by the company's group guarantee, meaning the lending group would repay the debt should individual lenders default.&nbsp;</p>
<p>PeerBerry offers the same type of protection for all the loans funded on the platform.</p>
<h3>Return</h3>
<p>Esketit offers up to 12% 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>PeerBerry offers a slightly lower interest of up to 11.5% per year. Investments in well-established lenders from Poland pay out between 9% and 10% per year. If you decide to invest in more recently launched lenders, the return is higher.</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 Esketit strategies to diversify your portfolio in various markets and minimize cash drag.&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>PeerBerry also offers an auto invest and automated strategies but there is no secondary market, meaning you can't withdraw the funds whenever you wish.</p>
<h2>Support</h2>
<p>Both platforms could accommodate our requests to visit their operations and answer critical questions. You can use their Live Chat or Email if you wish to contact them.&nbsp;</p>
<p>The response time is typically within 24 hours.</p>
<h2>Esketit vs PeerBerry Summary&nbsp;</h2>
<p>Esketit and PeerBerry are reliable platforms to consider if you wish to invest in P2P loans. Esketit is a more modern platform with an excellent track record and fast liquidity, whereas PeerBerry is a well-established P2P lending site with a proven track record and reliable returns.&nbsp;</p>
<p>We are exposed to both platforms with over 50% of our <a href="https://p2pempire.com/en/portfolio">P2P lending portfolio</a>. As of October 2024, both Esketit and PeerBerry are some of the <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">best P2P lending platforms on the market</a>.</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 0.5% Bonus on PeerBerry</p>
<button class="redirect external_link_button promo" value="peerberry">Redeem Bonus on PeerBerry</button>
<p>Or read our comprehensive <a href="https://p2pempire.com/en/review/peerberry">PeerBerry review</a></p>
</center>
<div class="checklist-box">
<p>Use our <a href="https://p2pempire.com/en/comparison">P2P calculator</a> to determine how much money you can earn from Esketit and PeerBerry based on your monthly deposits. Fine-tune your calculation with our <a href="https://p2pempire.com/en/compound-interest-calculator">compound interest calculator</a>.</p>
</div>
</article>

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