Estateguru historical statistics

Updated: 16.04.2024

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.

€800,324,678

Total loans funded
62.04%

Average loan to value (LTV)

6,448

Number of loans funded

€124,120

Average loan size

10.37%

Historical return

13.0 months

Average loan term of issued loans

12.3 months

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
€473,460,593 61.13 %
In Default
€130,601,928 16.86 %
Funded
€114,729,741 14.81 %
Fully Recovered
€40,479,752 5.23 %
Partially recovered outstanding amount
€10,615,006 1.37 %
Late
€2,817,072 0.36 %
Partially recovered repaid amount
€1,754,879 0.23 %
Written Off
€40,121 0.01 %
€42,234,631

Total recovered amount

8.73%

Average return of fully recovered loans

10.5 months

Average term from default to fully recovered

23.66%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€339,651,458 42.44%
Lithuania
€148,601,712 18.57%
Latvia
€107,165,307 13.39%
Germany
€103,807,532 12.97%
Finland
€90,334,469 11.29%
Portugal
€4,850,000 0.61%
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
€21,995,070
282 Loans
€20,668,204
272 Loans
€413,482
5 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€645,784
18 Loans
€267,600
4 Loans
10.43%
2023
€99,357,269
1,313 Loans
€61,419,014
850 Loans
€984,840
22 Loans
€2,411,746
35 Loans
€987,424
25 Loans
€0
0 Loan
€233,660
5 Loans
€9,926,607
323 Loans
€23,393,978
376 Loans
9.54%
2022
€183,004,568
1,769 Loans
€26,412,396
372 Loans
€1,035,750
12 Loans
€46,568,357
293 Loans
€2,631,334
46 Loans
€0
0 Loan
€7,009,484
73 Loans
€12,508,962
187 Loans
€86,838,285
973 Loans
8.98%
2021
€202,797,652
1,072 Loans
€6,255,128
48 Loans
€383,000
2 Loans
€72,907,852
173 Loans
€5,739,005
33 Loans
€0
0 Loan
€5,479,509
26 Loans
€6,840,937
55 Loans
€105,093,421
795 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
€331,618,086 41.44%
Bridge loan
€320,987,636 40.11%
Business loan
€147,718,956 18.46%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €526,307,144 in collaterals, of which 97.90% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€447,864,665 55.96%
Land and buildings under construction
€195,960,039 24.49%
Commercial
€156,499,974 19.55%