P2P estónio de dívida a PME — investir em fundadores europeus selecionados a partir de 10 €.
A Scramble é uma plataforma P2P estónia que permite a investidores particulares financiar empréstimos de curto prazo a PMEs europeias e marcas parceiras selecionadas. Fundada em 2020, financiou mais de 38 M€ até à data com amortizações parciais mensais e uma estrutura transparente de 6 meses que torna o reinvestimento simples.
Scramble is a SME crowdlending platform based in Estonia, supervised by EFSA (Estonia). Investors deposit funds, browse open opportunities and commit capital project-by-project or via automated rules.
Once a project is fully funded, the platform releases capital to the borrower and collects scheduled payments — interest plus principal — which are credited to your investor account. Most European platforms publish a public dashboard with projected and realised cashflows.
The platform advertises target gross yields in the 12–14% APR band. Realised net returns on a diversified portfolio typically run 1–3 percentage points below the headline range once defaults, cash drag and fees are taken into account.
Track record is best read against the Estonia macro context — local interest rates, property cycle and employment data move loan-default rates in real time. Investors should diversify across at least 20–30 loans before extrapolating any single year of returns.
Suited to risk-tolerant investors with a 5–10 year horizon who can afford the possibility of total capital loss on individual deals. Diversification across at least 15–20 positions is essential; minimum ticket from €10. Not appropriate for emergency-fund capital or income-replacement strategies.
Capital at risk. Investments on Scramble are not bank deposits and are not covered by any deposit-guarantee scheme (FGD in Spain, FGDR in France, gli istituti di garanzia in Italy, etc.). You can lose part or all of your capital.
Default risk. Borrowers may stop paying. Even with collateral or buyback, recovery is slow and partial in stressed scenarios.
Liquidity risk. There is no secondary market — invested capital is locked until the loan or project reaches maturity.
Tax. Interest and capital gains are taxable in your country of residence. Most European platforms do not withhold automatically.
support@scramble.finance — confirm on the platform’s contact page before sending sensitive information.Scramble operates under supervision of EFSA (Estonia). Supervision covers conduct, disclosure, segregation of investor cash and minimum capital requirements. It does not guarantee that any individual deal will perform as advertised — investors retain full project-level risk on every position they hold.
The minimum ticket per deal is €10. There is no upper limit for retail accounts; institutional tickets are arranged separately with the platform.
Advertised gross yields are 16% p.a.. Realised net returns depend on default rates, cash drag (money waiting between deals) and any servicing fees — expect actual portfolio returns 1–3 percentage points below the headline range after a full investment cycle.
Available cash typically arrives via SEPA or local bank transfer within 1–3 business days. Funds locked in active deals only return as borrowers repay; there is no secondary market, so plan on holding to maturity.
In an underwriting failure, the platform pursues the contractual recovery path — collateral realisation, debt-collection enforcement or court proceedings, with workouts typically taking 12–24 months. Recovery is rarely 100 %, and investors should size positions accordingly.
Investor cash held on the platform is segregated from Scramble’s own balance sheet, as required by the rules of EFSA (Estonia). In an insolvency, cash should be returned to investors and outstanding loans transferred to a runoff administrator who continues to collect repayments on investors’ behalf. The process can take 12–24 months and recovery is rarely 100 %, but the loans you own remain your property, not the platform’s.
Yes — interest, dividends and realised capital gains are taxable in your country of residence. Most platforms do not withhold automatically; investors report the income in their annual tax return and may apply double-tax-treaty relief where available.
Typical project duration is 6 months. Longer durations generally pay higher headline yields but lock capital for longer and increase exposure to macro cycles; shorter durations offer faster reinvestment but reset rates more often.
A common rule of thumb is 20–30 positions to absorb single-deal default risk. Below 10 positions, one bad loan can wipe out a year of returns; above 30 the marginal benefit of further diversification flattens. Auto-invest rules make this easy to maintain over time.
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Easy, legit and understandable approach
Simple and fast
I’m still at the beginning, so I don’t know the long‑term results yet. But the experience so far feels smooth and professional. I’m taking the first steps, watching how things go, and hoping for good outcomes. For now, it gives me confidence, and I’m excited to see what happens next.
Easy and Very interesting. Hope the best.
Seems like a very interesting and legitimate platform, I'm only in the first round of group a, up to now no problems.
Very easy onboarding and no complaints so far. I’ll update my review after my first investment round.
The value for money and the bonus make you like investing. I would appreciate if the platform would be more easier to use.
Α P2P Lending platform that fully automates the proccess. The rate of return is exceptional, and the webapp is working without problems. So far I'm very satisfied.
Sometimes, as an investor, is not only about "making money", it is also about supporting the right projects. Scramble allow us that! Super easy process, smooth communication and we are supporting good choices!
👍 new to platform. Everything's fine till now
Easy to understand
As someone who joined a week ago, I can say my experience has been smooth from the start. Everything is as expected and I feel confident recommending it. Don't hesitate — give it a try.