Estateguru historical statistics
Since founding Estateguru in 2014, we've helped property developers all over Europe borrow money quickly and easily, giving them access to reliable capital when they need it most. In parallel, our investors have earned market-leading returns on short-term property-backed loans.
€802,003,262
Total loans funded
Average loan to value (LTV)
Number of loans funded
Average loan size
Historical return
Average loan term of issued loans
Average loan term of repaid loans
Loan portfolio
Our loan portfolio shows great historic stability and steady growth, while the recovery data and default rates remain industry-leading.
|
Repaid
|
€474,545,722 61.20 % |
|
In Default
|
€133,312,405 17.19 % |
|
Funded
|
€109,064,184 14.07 % |
|
Fully Recovered
|
€40,479,752 5.22 % |
|
Partially recovered outstanding amount
|
€10,615,006 1.37 % |
|
Late
|
€5,613,665 0.72 % |
|
Partially recovered repaid amount
|
€1,754,879 0.23 % |
|
Written Off
|
€40,121 0.01 % |
Total recovered amount
Average return of fully recovered loans
Average term from default to fully recovered
Fully recovered rate (portfolio)
Total written off
Historical default
Monthly loan repayment amounts
Historical loans by country
Estonia
|
€340,394,162 42.44% |
Lithuania
|
€149,146,444 18.60% |
Latvia
|
€107,378,626 13.39% |
Germany
|
€103,807,532 12.94% |
Finland
|
€90,512,298 11.29% |
Portugal
|
€4,850,000 0.60% |
Spain
|
€4,164,200 0.52% |
Sweden
|
€1,750,000 0.22% |
Historical performance
Loan funded amount is shown as a total cumulative number as of 31 December of the corresponding year. All other numbers are shown as current and are subject to change as repayments and recoveries occur.
| Loans funded | Outstanding loans | Late | Default | Partially recovered | Written Off | Fully recovered | Partially repaid | Repaid | Actual return* | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024 |
€23,815,615
300
Loans
|
€22,346,561
291
Loans
|
€333,686
3
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€800,968
24
Loans
|
€334,400
6
Loans
|
10.15%
|
| 2023 |
€99,357,269
1,313
Loans
|
€57,358,016
801
Loans
|
€2,711,152
34
Loans
|
€3,532,173
57
Loans
|
€987,424
25
Loans
|
€0
0
Loan
|
€233,660
5
Loans
|
€10,481,074
328
Loans
|
€24,053,770
390
Loans
|
9.55%
|
| 2022 |
€183,004,568
1,769
Loans
|
€23,659,372
357
Loans
|
€1,885,826
14
Loans
|
€48,158,407
302
Loans
|
€2,631,334
46
Loans
|
€0
0
Loan
|
€7,009,484
73
Loans
|
€12,652,323
188
Loans
|
€87,007,822
977
Loans
|
8.99%
|
| 2021 |
€202,797,652
1,072
Loans
|
€5,725,236
45
Loans
|
€683,000
4
Loans
|
€72,907,852
173
Loans
|
€5,739,005
33
Loans
|
€0
0
Loan
|
€5,479,509
26
Loans
|
€6,881,829
55
Loans
|
€105,282,421
796
Loans
|
9.95%
|
| 2020 |
€120,305,673
824
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€8,334,472
21
Loans
|
€190,845
3
Loans
|
€0
0
Loan
|
€10,861,483
45
Loans
|
€347,155
5
Loans
|
€100,571,718
754
Loans
|
10.86%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€250,000
4
Loans
|
€874,368
8
Loans
|
€0
0
Loan
|
€7,175,602
48
Loans
|
€478,852
8
Loans
|
€71,591,573
525
Loans
|
11.00%
|
| 2018 |
€53,004,608
354
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€129,500
3
Loans
|
€192,030
5
Loans
|
€28,280
1
Loan
|
€5,857,419
36
Loans
|
€364,970
5
Loans
|
€46,432,438
311
Loans
|
11.27%
|
| 2017 |
€22,992,923
147
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€11,840
1
Loan
|
€3,428,164
21
Loans
|
€0
0
Loan
|
€19,552,927
126
Loans
|
11.08%
|
| 2016 |
€11,932,010
77
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€210,431
2
Loans
|
€0
0
Loan
|
€11,721,581
76
Loans
|
11.55%
|
| 2015 |
€4,403,450
23
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€224,000
1
Loan
|
€0
0
Loan
|
€4,179,450
22
Loans
|
13.91%
|
| 2014 |
€19,100
1
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€19,100
1
Loan
|
11.79%
|
*Actual Return is calculated as weighted average of the returns of the repaid loans in that origination year (Vintage). The return is calculated with the given formula. Actual return of the loan: ActualReturn = ( (MonthlyIncomeAmount - WrittenOffAmount) / LoanActualDays) * 365) /(InitialPrincipalSum + WrittenOffAmount) *100 MonthlyIncomeAmount - The total amount of all the BONUS+INDEMNITY+PENALTY+INTEREST payments. WrittenOffAmount - The total sum of any PRINCIPAL write offs. LoanActualDays - The number of days between the loan start date and the loan end date (the date when the loan was repaid) InitialPrincipalSum - The amount of PRINCIPAL invested into the loan during investment.
What are loans used for?
We offer three types of short-term loans, each serving a specific niche need for our borrowers. Investors can choose which loan types they wish to support.
|
Development loan
|
€332,192,400 41.42% |
|
Bridge loan
|
€322,079,906 40.16% |
|
Business loan
|
€147,730,956 18.42% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €518,005,170 in collaterals, of which 97.91% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€449,117,240 56.00% |
|
Land and buildings under construction
|
€196,238,344 24.47% |
|
Commercial
|
€156,647,678 19.53% |