Scrambleup Review: Returns, Risks & Consumer Goods Investment

P2P lending focused exclusively on high-growth consumer goods brands with up to 25% target returns.

Tired of generic P2P platforms? Scrambleup offers a unique niche: investing in curated batches of ethical, high-growth European consumer goods brands. With an average return of 16.29%, this platform provides diversification away from typical personal loans and real estate, focusing on tangible business growth.

What is it?

Scrambleup is an Estonian-based crowdlending platform connecting investors with consumer goods brands seeking growth capital. Established to fill a unique niche, the platform focuses on organic, non-toxic, and cruelty-free products. Investments are made through monthly 'batches' of brands, offering short-term, 6-month loans. Scrambleup mitigates risk by investing up to 20% of its own money ('Skin in the Game') in every batch.

Why Invest?

Investors benefit from high potential returns (up to 25% for Junior Loans) and excellent diversification within a specialized, high-growth sector (consumer goods). The platform simplifies the investment process by pre-selecting brands and offering ready-made investment groups (A and B). Monthly distributions and a low minimum investment of €10 make it highly accessible.

How It Works

The process is straightforward: 1. Create an account quickly. 2. Review the monthly batch of promising consumer brands released on the 1st of each month. 3. Choose your investment group (A for lower risk/return, B for higher risk/return). 4. Join the investment round with a minimum of €10. 5. Receive monthly distributions, which can be withdrawn instantly (via Revolut) or reinvested.

Investment Options

💰 Group A (Senior Loans)

Target annual return up to 12.4%. These are triple-secured loans with monthly repayments, co-founder guarantees, and first-loss capital protection. They are repaid first in case of business failure.

📈 Group B (Junior Loans)

Target annual return up to 25%. These are single-secured loans with co-founder guarantees. They carry higher risk and are repaid after Group A loans in the event of default.

🛍️ Consumer Goods Financing

Short-term (6-month) financing for high-growth brands in the organic, eco-friendly, and cruelty-free sectors, providing working capital for inventory and expansion.

Key Characteristics

• Average historical return: 16.29% (high)
• Focus on Consumer Goods Brands (niche market)
• Monthly investment rounds (new batches)
• Short-term loans (6 months)
• Skin in the Game (Platform invests up to 20%)
• Low minimum investment (€10)
• Instant top-ups via Revolut
• Two risk/return investment groups (A and B)
• Monthly distributions and repayments
• Located in Estonia (Tallinn)

Investment Details

Loan Types: Short-term Business Loans (Consumer Goods), Senior Secured Loans (Group A), Junior Unsecured Loans (Group B)

Liquidity: Primarily short-term loans, typically 6 months, with monthly repayments.

Fees:

• Platform fee: 0%

Risk Assessment

Risk Level: Medium

Risk Factors:

• Business risk (Consumer goods startups can fail)
• Lack of Secondary Market (Liquidity risk for the 6-month term)
• Concentration risk (Focus solely on one sector: consumer goods)
• Group B loans carry significant risk (up to 25% target return reflects this)

Risk Mitigation:

• Platform Skin in the Game (Up to 20%)
• Short 6-month loan terms minimize long-term exposure
• Segmented risk via Groups A (secured) and B (junior)
• Careful pre-selection based on five parameters and scoring system

Investor Profiles

🚀 Growth Seeker

Ideal for investors willing to take on moderate to high risk (Group B) for target returns up to 25%, seeking rapid portfolio expansion.

🌿 Ethical Diversifier

Suited for investors who prioritize supporting sustainable, organic, and ethical businesses while diversifying their portfolio away from traditional P2P assets.

💡 Beginner Investor

The low €10 minimum and user-friendly interface make it excellent for newcomers, especially those utilizing the lower-risk Group A option (up to 12.4%).

Pros & Cons

Pros

• ✅ Very high target returns (up to 25% in Group B)
• ✅ Platform invests its own money (Skin in the Game up to 20%)
• ✅ Low minimum investment (€10) and easy onboarding
• ✅ Focus on a unique, ethical niche (Consumer Goods)
• ✅ Short 6-month loan terms with monthly distributions

Cons

• ❌ No secondary market (liquidity is limited to the 6-month term)
• ❌ Mandatory investment in entire batches (no individual project selection)
• ❌ High risk associated with Group B (Junior Loans)
• ❌ Lack of a dedicated mobile application (as noted by users)

Frequently Asked Questions

What is the minimum investment on Scrambleup?

The minimum investment is very low, starting at just €10 per investment round, making the platform highly accessible to beginner investors.

What are the expected returns?

Scrambleup offers two main investment groups: Group A (Senior Loans) targets returns up to 12.4%, and Group B (Junior Loans) targets returns up to 25%. The historical average interest income is 16.29%.

How does Scrambleup protect investor capital?

Investor protection includes the platform investing up to 20% of its own money ('Skin in the Game'), co-founder guarantees, and offering a senior tranches (Group A) that are triple-secured and repaid first in case of business failure.

Is there an Auto-Invest feature or Secondary Market?

Based on the available information, Scrambleup does not currently offer an Auto-Invest feature, requiring manual participation in monthly batches. There is also no secondary market, meaning capital is locked for the 6-month loan term.

What is the typical loan term?

The loans provided to consumer goods brands are short-term, typically lasting 6 months, with monthly distributions of principal and interest.

How are investments allocated?

Investors must invest in the entire 'batch' of brands offered each month, selecting either Group A or Group B. It is not possible to select and allocate funds to individual projects within the batch.