Gustavo Araújo, Certified financial education Instructor by NFEC, a degree in finance and accounting by ISCTE, P2P professional investor, and the founder of the Lucrar.pt project.
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Gustavo from Lucrar.pt uses Esketit

Why Esketit?
Experience
Esketit co-founders Davis and Matiss have more than 10 years of experience in crediting businesses all over the world. None of their companies have ever defaulted or had any other issues – not regarding p2p platforms or in any other way.
Track record
The only consumer lender in Europe with a large public bank as a strategic shareholder, South African Capitec (shareholder CF GRoup). Our corporate governance and management quality is based on publicly listed company standards.
Transparency
One of the Esketit key policies is absolute transparency – we're disclosing the true beneficiaries, operational KPIs, our regulatory policy, as well as financial reports and full info on our Loan Originators.

Esketit features at a glance
Buyback obligation
The Loan Originator has an obligation to buy back (redeem) the investor’s investments if the loan repayment has been delayed for more than 60 calendar days.
Group guarantee
CreamFinance Group steps in if the Loan Originator cannot fulfill its BuyBack Obligation towards investors.
Auto-Invest, custom and predefined strategies
Our company works according to the principle of individual approach to every client. This method allows us to achieve success in problems of all levels.
Secondary Market
Sell the investment before its maturity.
Loyalty program
Depending on how much you invest, you will earn additionally up to 1% of the invested amount.

Geographical Diversification
Esketit Loan Originators are geographically diverse and offer numerous types of loans: unsecured online consumer loans, installment consumer loans, and offline branch-based consumer loans.
12% Interest Rate
12% Interest Rate
14% Interest Rate

Statistics
> € 750.00K
Interest paid
> € 12.00K
Average investor investment
> € 50.00M
Investments

How it works?
1
Register
To start investing in our platform fill in the registration form.
2
Add funds to your account
Become an active investor by adding funds to your investor account.
3
Select and invest in loans
Create your first Auto Invest portfolio using parameters set by you, or manually invest in available loans by filtering them.
4
Track the growth of investments
View your profile daily to track your investments, portfolio, and returns.
5
Receive invested principal plus earned interest
Funds are accessible in your investor account as soon as the loan repayment is completed.

TrustPilot reviews
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Earn passive income by investing in consumer loans

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