Esketit is expanding into the Southeast Asian market and expanding loan opportunities with the official addition of Nimbura to our platform. As a fully digital consumer lender based in Malaysia, Nimbura offers our users unique exposure to one of the region’s most stable and digitally advanced economies.

 As a fully digital consumer lender based in Malaysia, Nimbura represents our first major step into the Southeast Asian market, offering our investors unique exposure to one of the region’s most stable and digitally advanced economies.

A Market of True Opportunity

Malaysia offers an ideal environment for online consumer lending, characterized by a mix of macroeconomic stability and high digital inclusion. With a GDP growth rate of 5.1% and an unemployment rate of just 3.2% (2024 data), the country provides a solid foundation for financial services.

While 88% of adults have a bank account, there is still a massive underbanked population of over 15 million people. Combined with a smartphone penetration rate of 94%, the demand for fast, digital-first loan solutions is higher than ever.

Introducing Nimbura

Nimbura is not just another lender; it is a technology-driven platform designed for the modern age. Launched in November 2025, Nimbura operates as a 100% digital entity, automating the entire customer lifecycle from underwriting and disbursement to recovery. The company is offering its services using its website www.nimbura.my and a mobile application for iOS and Android.

Key highlights of Nimbura include:

  • Speed and Efficiency: leveraging an AI-powered platform, Nimbura provides loan decisions typically in under 15 minutes.
  • Digital-First Onboarding: the process is entirely online, utilizing e-KYC and digital signature certificates recognized by the Malaysian Communications and Multimedia Commission (MCMC).
  • Regulated and Licensed: Nimbura is a fully licensed online money lender by the local regulator, the Ministry of Housing and Local Government (KPKT).
  • Strong Growth Trajectory: since its launch, Nimbura has already issued over 30,000 loans and is targeting a net portfolio of €10 million by the end of 2026. After only the first 4 full months of operations the company managed to reach an operating profit.

Exposure to Nimbura loans on Esketit is provided through an indirect structure with a revolving loan pool.

This means:

  • Users receive exposure to a one or more underlying consumer loans.
  • Exposure to the underlying assets is indirect, through the financing arrangement established with the loan originator.
  • Repayments follow the schedule of the indirect financing agreement, not the schedules of the individual underlying loans.
  • As borrowers repay their loans, the funds are reallocated into new loans within the same pool, maintaining continuity of exposure.

Nimbura has undergone Esketit’s full onboarding, legal, and risk-assessment review before being added to the platform.

A Strategic Vision into Play

The launch of Nimbura is a key step in Esketit’s long-term strategy to continuously diversify and grow its marketplace. We are actively working to onboard new loan originators from various geographic regions to provide our investors with a broader array of high-quality investment opportunities. Nimbura, which was founded by Esketit co-founders Matīss Ansviesulis and Dāvis Barons, is a prime example of this ongoing expansion.

What This Means for Esketit Users

For our users, the addition of Nimbura is about effortless diversification.

  • Automatic Integration: Nimbura claims are already live on the marketplace and are automatically included in our Diversified auto-purchase strategy.
  • Short-term liquidity: Nimbura loans are short-term, ranging from 30 days to 6 months – this fits the liquidity needs of many P2P investors perfectly.
  • Experienced leadership: Nimbura is led by a handpicked expert team, including Country manager Artjoms Borcovs, Group CEO Raivo Tambors, alongside co-founders Matīss Ansviesulis and Dāvis Barons.

That said, we are incredibly pleased to welcome Nimbura to our growing family of loan originators. Their integration into the platform provides you with an excellent opportunity for attractive, well-managed loan exposure in a dynamic and stable market. So go ahead and see what Nimbura has to offer for your portfolio.