Scramble
Scramble is an Estonian peer-to-peer lending platform founded in 2020, headquartered in Tallinn. The platform specializes in small business loans, particularly focusing on consumer goods startups seeking working capital. Scramble pioneered structured financial products in P2P lending by offering tranched investments (Senior and Junior loans) with different risk-return profiles. The platform is not licensed under EU crowdfunding regulation. Minimum investment starts at 10 EUR.
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Scramble in real numbers
Anonymized statistics from all Scramble portfolios tracked on P2P Dash: real investor data, not the platform's marketing numbers.
Median net return (XIRR)
13.9%
Based on 18 investor portfolios
Middle 50% of investors
Investor sentiment
Based on 11 stated strategies
Combined portfolio value
€118,573
Investors on P2P Dash
36
Interest earned all-time
€5,379
Median cash drag
15.9%
Share of funds sitting uninvested
Scramble returns over time
Median annual return of Scramble investors on P2P Dash, per calendar year. Years with too few investors to publish are left out.
Last 12 months
13.4%
7 investors
11.2%
2025
15.5%
2026
Is money moving into Scramble?
Monthly deposits minus withdrawals across Scramble investors on P2P Dash. Positive means the community is putting money in, negative means it is coming out.
Net flow, last 12 months
+€69,363
36 investors tracking
In Q2 2026, Scramble ranks 29 of 45 platforms by net capital flow. See all capital flows for Q2 2026 →
Alternatives to Scramble
Platforms in the same asset class, drawn from the community ranking of real portfolio data: selected by numbers, not commissions.
MyPeak Finance 99 investors
The Best P2P Lending Platforms 2026
Every ranking on this page is aggregated from the real, anonymized portfolio data of 1,761 investors and recalculated nightly. No editorial opinion, no paid placements: the data alone sets the order.
Frequently asked questions about Scramble
Answers based on anonymized community data from P2P Dash investors.
What is Scramble?
Scramble is a peer-to-peer lending platform, founded in 2020 (headquarters: Estonia). On P2P Dash, investors import their Scramble account statements to track the real net return they earn there.
What return do investors actually earn with Scramble?
Across 18 Scramble portfolios tracked on P2P Dash, the median net return (XIRR) is 13.9%. The middle 50% of investors earn between 11.3% and 15.4% (as of August 3, 2026).
How many investors track Scramble on P2P Dash?
36 investors track their Scramble portfolios on P2P Dash, with a combined portfolio value of €118,573 and €5,379 in interest earned all-time.
Are investors currently adding or withdrawing money at Scramble?
Of 11 stated strategies for Scramble, 64% plan to add funds or reinvest, 9% intend to hold, and 27% plan to reduce or exit (as of August 3, 2026).
Is Scramble regulated?
No, Scramble does not hold a financial license. Unregulated platforms can offer higher rates, but investors have less protection if the platform runs into difficulties.
Does Scramble offer a buyback guarantee?
No, Scramble does not offer a buyback guarantee, so the credit risk of each investment stays with the investor.
How do I analyze my Scramble portfolio?
Export your transaction history from Scramble (csv) and import it into P2P Dash for free. You get your real net return (XIRR), cash drag, income projections and more, across all your P2P platforms in one dashboard.
What are alternatives to Scramble?
Based on the community ranking, the closest alternatives to Scramble in the same asset class are Debitum, Triple Dragon Funding, MyPeak Finance. Each platform page shows real median returns and investor numbers from the P2P Dash community.