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Esketit Alternatives

<article>
<h2>Esketit Alternatives</h2>
<p>Esketit is one of the <a href="https://p2pempire.com/en/best-p2p-lending-platforms-europe">best P2P-lending platforms in Europe</a>, when it comes to the quality of their portfolio. However, due to the low supply of loans on the platform and the exit of Avafin Group, many investors have struggled with investing their funds, often resulting in cash drag.&nbsp;</p>
<div class="info-box">
<h3>What's Cash Drag?</h3>
<p>Cash drag is a situation where you can't get your funds invested due to the low supply of loans. Cash drag hurts your portfolio as uninvested funds don't earn any yield. The risk and reward ratio is incorrect, as your uninvested funds are still exposed to the platform's risks.&nbsp;</p>
</div>
<p>In this article, we&rsquo;ll introduce some of the best Esketit alternatives to help you generate passive income without the hassle of cash drag.&nbsp;</p>
<h3>Why Should You Consider an Alternative to Esketit?</h3>
<p>While <a href="https://p2pempire.com/en/review/esketit">Esketit</a> has established itself as a robust platform for investors, offering secure investments with appealing returns, its landscape has shifted significantly as of mid-2025.</p>
<p>The growing disparity between investor demand and loan supply has resulted in lower interest rates and increased cash drag, making it challenging for investors to maintain high yields.</p>
<p>Investors face significant hurdles with manual investing on Esketit due to the unpredictable timing of new loan listings.</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/esketit-cash-drag-primary-market.webp" border="0" alt="esketit cash drag primary market" loading="lazy"></p>
<p>This issue is compounded on the secondary market, where speculators often sell loans at inflated prices.&nbsp;</p>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/esketit-premium-secondary-market.webp" border="0" alt="esketit premium secondary market" loading="lazy"></p>
<p>Unsuspecting investors may purchase these at a premium, not realizing that the potential returns could be diminished significantly if these loans are repaid shortly after acquisition.</p>
<p>Moreover, even Esketit&rsquo;s Automated Strategies are struggling to efficiently allocate large sums, leaving substantial amounts of capital dormant.</p>
<p>This decrease in loan availability is a fundamental concern with Esketit, as it limits investor control and influence over their investments.</p>
<h3>Criteria for the Best Esketit Alternatives</h3>
<p>Here at P2P Empire, we monitor the developments of various P2P-lending platforms and invest alongside you.</p>
<p>A suitable Esketit alternative needs to fulfill the following criteria:</p>
<div class="checklist-box">
<ul>
<li>Protecting investors' interest</li>
<li>Offering attractive yields</li>
<li>Reliable performance</li>
<li>Reliable buyback guarantee</li>
<li>Enough available loans</li>
</ul>
</div>
<p>The listed criteria will help you choose the best alternative to Esketit, so you can generate passive income.</p>
<h2>Best Esketit Alternatives</h2>
<p>The following platforms are some of the currently best alternatives to Esketit.</p>
<table class="comparison4">
<tbody>
<tr>
<th>Esketit Alternatives</th>
<th>Average Interest</th>
<th>Protection</th>
<th>Investment Type</th>
</tr>
<tr>
<td>Income Marketplace</td>
<td>13.78%</td>
<td>Buyback Guarantee</td>
<td>Long-term loans</td>
</tr>
<tr>
<td>Fintown</td>
<td>11.78%</td>
<td>Group Guarantee</td>
<td>Rental</td>
</tr>
<tr>
<td>LANDE</td>
<td>10.9%</td>
<td>Collateral</td>
<td>Long-term loans</td>
</tr>
<tr>
<td>Lonvest</td>
<td>12.5%</td>
<td>Buyback Guarantee</td>
<td>Short-term loans</td>
</tr>
<tr>
<td>Capitalia</td>
<td>12.26%</td>
<td>Collateral</td>
<td>Long-term loans</td>
</tr>
<tr>
<td>Nectaro</td>
<td>12.98%</td>
<td>Buyback Guarantee</td>
<td>Long-term loans</td>
</tr>
<tr>
<td>Indemo</td>
<td>15.1%</td>
<td>Mortgage</td>
<td>Long-term loans</td>
</tr>
<tr>
<td>Afranga</td>
<td>13%</td>
<td>Assets</td>
<td>Business loans</td>
</tr>
</tbody>
</table>
<p>Please note that due to low loan availability on other highly-rated platforms, we have excluded PeerBerry and Robocash from this list. The limited number of available loans on these platforms means that most investors may face difficulties in deploying large sums of money in a short period.</p>
<h2>Income Marketplace</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/getincome-review.webp" border="0" alt="income marketplace review" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/getincome-review.webp">
<h3>Income Marketplace Highlights</h3>
<ul>
<li>Unique protection system</li>
<li>Reliable buyback guarantee</li>
<li>Reliable performance</li>
<li>No Secondary Market</li>
<li>High loan availability</li>
</ul>
<h3>Why is Income a Good Esketit Alternative?</h3>
<p>Income Marketplace, based in Estonia, boasts a strong portfolio performance and offers several unique protection features, including Junior Share and Cashflow Buffer. These mechanisms enhance investor security, details of which are covered extensively in our dedicated review of Income Marketplace.</p>
<p>Investors looking to diversify their portfolios can find ample opportunities on Income. The platform offers an attractive 12% interest rate on loans originating from diverse markets such as Mexico, Indonesia, Estonia, and Spain.</p>
<p>All investments on Income are safeguarded by a 60-day buyback guarantee and are backed by the lender's own loan portfolio. The track record of loan performance on Income is commendable, with all investor obligations being met promptly according to the scheduled payments.</p>
<p>There are no outstanding payments, and the amount of funds in recovery is minimal, ensuring a smooth and hassle-free investment experience.</p>
<p>The primary limitation of Income is the absence of a secondary market, which restricts investors from exiting their positions before the loan term concludes.</p>
<p>However, with a low entry point of just &euro;10, Income presents itself as a viable option, particularly for those who do not prioritize liquidity via a secondary market, making it a strong alternative to platforms like Esketit.</p>
<p class="question">Sign up on Income and get a 1% bonus!</p>
<button class="redirect external_link_button promo" value="income">Earn Interest on Income</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/income">Income review</a>.</p>
<p class="question">&nbsp;</p>
<h2>Fintown</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/fintown-review.webp" border="0" alt="fintown review" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/fintown-review.webp">
<h3>Fintown Highlights</h3>
<ul>
<li>Monthly rental income</li>
<li>High-yielding limited investment opportunities</li>
<li>No cash drag</li>
<li>Expensive secondary market</li>
</ul>
<p>Fintown, a crowdlending platform based in Prague, specializes in investments centered around fully operational rental properties in the heart of Prague. This platform serves as an innovative funding source for several development projects helmed by the Vihorev Group, a well-established real estate developer in the region.</p>
<p>To optimize its capital structure, Fintown is currently refinancing its equity in these rental units through a mezzanine loan arrangement.</p>
<p>This strategy allows investors to earn attractive returns derived from the rental income, with interest payments distributed monthly. Since beginning our trial of Fintown in March 2023, our interactions and results with the platform have aligned closely with our expectations.</p>
<p>However, one noted limitation of Fintown has been the relatively high fees charged to investors seeking to exit their investments before the loan term concludes. In response to investor feedback, the management has announced plans to implement an Early Exit program by the second half of 2025, which is anticipated to substantially reduce these early exit fees, enhancing the platform's flexibility and investor appeal.</p>
<button class="redirect external_link_button promo" value="fintown">Earn Interest on Fintown</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/fintown">Fintown review</a>.</p>
<h2>LANDE</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/lande-review.webp" border="0" alt="landereview" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/lande-review.webp">
<h3>LANDE Highlights</h3>
<ul>
<li>Decent portfolio quality</li>
<li>High-yielding investment opportunities</li>
<li>Regulated</li>
<li>Backed by collateral</li>
</ul>
<p>LANDE, a regulated Latvian crowdlending platform, focuses on funding loans for farmers in Latvia, Lithuania, and Romania. Since its inception in 2019, LANDE has maintained a commendable low default rate of less than 10%. The platform offers an average interest rate of 10.9% and provides investors with the flexibility to exit investments via the secondary market.</p>
<p>Although loan availability on LANDE may not match the levels found on some larger platforms, it still enables investors to deploy substantial funds with relative speed. Given that LANDE's operations center around agricultural financing, it is advisable for investors to diversify their investments across multiple loans to optimize portfolio performance and mitigate risk.</p>
<button class="redirect external_link_button promo" value="lande">Earn Interest on LANDE</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/lande">LANDE review</a>.</p>
<h2>Lonvest</h2>
<img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/lonvest-review.webp" border="0" alt="lonvest review" loading="lazy" data-src="https://p2pgallery.s3.eu-central-1.amazonaws.com/lonvest-review.webp">
<h3>Lonvest Highlights</h3>
<ul>
<li>Low debt/equity ratio</li>
<li>High-yielding investment opportunities</li>
<li>No Cash Drag</li>
<li>Backed by a Buyback Guarantee</li>
</ul>
<p>Lonvest, a P2P lending platform registered in Croatia, is owned by Roman Katerynchyk, the founder of Space Crew Finance&mdash;a well-regarded lender across Europe and Asia.</p>
<p>The platform features loans from its Mexican loan originator, which is an integral part of Space Crew Finance. Investors on Lonvest can earn an annual interest rate of 12.5% by investing in these Mexican loans.</p>
<p>Investments on Lonvest are secured with a Buyback and Group Guarantee, enhancing the safety of the funds invested. Although investing in Lonvest is not without risk, the platform's current lower profile means it is less affected by the high demand that can saturate more popular platforms, potentially offering more consistent availability and performance.</p>
<button class="redirect external_link_button promo" value="lonvest">Earn Interest on Lonvest</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/lonvest">Lonvest review</a>.</p>
<h2>Capitalia</h2>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/capitalia-review.webp" border="0" alt="capitalia review" loading="lazy"></p>
<h3>Capitalia Highlights</h3>
<ul>
<li>Regulated platform</li>
<li>High-yielding investment opportunities</li>
<li>Long-term investments</li>
<li>Backed by a collateral</li>
</ul>
<p>Capitalia stands out as one of Europe's most transparent peer-to-business lending platforms, known for its comprehensive business model and exceptional risk assessment transparency.</p>
<p>This platform requires a higher minimum investment per project, making it well-suited for experienced investors. Capitalia boasts a very low loan loss rate of just 0.07%, excellent functionality, and robust support, ensuring a reliable investing experience.&nbsp;</p>
<p>It is an ideal choice for those looking to invest in sustainable business projects that are thoroughly veted by a professional lending company without any conflict of interest. Given its stellar loan portfolio performance, Capitalia also emerges as a compelling alternative to Esketit.</p>
<button class="redirect external_link_button promo" value="capitalia">Earn Interest on Capitalia</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/capitalia">Capitalia review</a>.</p>
<h2>Afranga</h2>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/afranga-review.webp" border="0" alt="afranga review" loading="lazy"></p>
<h3>Afranga Highlights</h3>
<ul>
<li>High yields</li>
<li>Excellent track record</li>
<li>Regulated</li>
<li>Sufficient loan availability</li>
</ul>
<p>Afranga stands out as the only regulated crowdlending platform in Bulgaria, giving investors access to asset-backed loans from Stickcredit, a profitable and reputable lender. After its recent relaunch under a new regulatory framework, Afranga now offers investment opportunities with yields of up to 16% annually.</p>
<p>Although the platform isn&rsquo;t the most feature-rich, it offers an attractive risk-return balance. Investors can choose loan terms from 6 to 36 months, and Afranga is currently managing approximately &euro;10 million in investor capital with consistent results.</p>
<button class="redirect external_link_button promo" value="peerberry">Earn Interest on Afranga</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/afranga">Afranga review</a>.</p>
<h2>Nectaro</h2>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/nectaro-review.webp" border="0" alt="nectaro review" loading="lazy"></p>
<h3>Nectaro Highlights</h3>
<ul>
<li>Regulated platform</li>
<li>High-yielding investment opportunities</li>
<li>Long-term investments</li>
<li>Backed by a Buyback Guarantee</li>
</ul>
<p>Nectaro is a regulated P2P lending platform based in Latvia, specializing in loans from Moldova and Romania with terms ranging from two to five years. Unlike Esketit, Nectaro boasts higher loan availability, which may enhance your potential for returns.</p>
<p>Moreover, every loan on Nectaro comes with a buyback obligation, providing a safety mechanism similar to that found on Esketit, thereby ensuring an additional layer of security for your investments.</p>
<button class="redirect external_link_button promo" value="nectaro">Earn Interest on Nectaro</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/nectaro">Nectaro review</a>.</p>
<h2>Indemo</h2>
<p><img class="lazy" src="https://p2pgallery.s3.eu-central-1.amazonaws.com/EN/indemo-review.webp" border="0" alt="indemo review" loading="lazy"></p>
<h3>Indemo Highlights</h3>
<ul>
<li>Regulated platform</li>
<li>Secured discounted debts</li>
<li>No Cash Drag</li>
<li>Exposure in mortgage-backed loans from Spain</li>
</ul>
<p>Indemo is a regulated Latvian platform known for offering some of the highest potential yields in the P2P lending industry. It specializes in financing secured, discounted mortgage-backed loans in Spain, with a strategy focused on recovering these loans profitably.</p>
<p>The platform is designed to be user-friendly, catering especially to investors who wish to allocate larger amounts of capital and are comfortable with longer-term investments. As a viable alternative to Esketit, Indemo provides greater loan availability, enabling investors to optimize their returns without facing the frequent challenge of limited loan options.</p>
<button class="redirect external_link_button promo" value="indemo">Earn Interest on Indemo</button>
<p class="question">Or read our in-depth <a href="https://p2pempire.com/en/review/indemo">Indemo review</a>.</p>
<h2>Final Thoughts on Alternatives to Esketit</h2>
<p>Nectaro, Income Marketplace, and Lonvest each present solid alternatives to Esketit. Although each platform comes with its own set of advantages and drawbacks, they all provide promising opportunities for earning interest on your investments.</p>
<p>Fintown is a considerable option for those pursuing the highest possible yields. However, it's important to note that investing with Fintown may involve sacrificing liquidity in exchange for higher returns.</p>
<p>Are you ready to try out some of the alternatives to Esketit? Investing money is essential <a href="https://p2pempire.com/en/inflation-calculator" target="_blank" rel="noopener">to keeping</a><a href="https://p2pempire.com/en/inflation-calculator">&nbsp;up with inflation</a>.</p>
<p>Find out how much money you can make with P2P loans with our <a href="https://p2pempire.com/en/compound-interest-calculator">compound interest calculator</a>.</p>
</article>

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