Estateguru historical statistics

Updated: 06.12.2022

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.

€667,506,702

Total loans funded
60.09%

Average loan to value (LTV)

4,691

Number of loans funded

€142,295

Average loan size

10.88%

Historical return

14.0 months

Average loan term of issued loans

11.6 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
€339,967,663 52.20 %
Funded
€183,506,294 28.18 %
Late
€70,160,375 10.77 %
In Default
€24,413,530 3.75 %
Fully Recovered
€23,266,979 3.57 %
Partially recovered outstanding amount
€8,306,566 1.28 %
Partially recovered repaid amount
€1,634,397 0.25 %
Written Off
€40,121 0.01 %
€24,901,376

Total recovered amount

8.83%

Average return of fully recovered loans

11.9 months

Average term from default to fully recovered

48.80%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€279,327,299 41.85%
Lithuania
€120,004,782 17.98%
Germany
€103,645,614 15.53%
Latvia
€84,006,898 12.59%
Finland
€71,577,369 10.72%
Spain
€4,164,200 0.62%
Portugal
€3,030,490 0.45%
Sweden
€1,750,000 0.26%

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 Weighted return
2022
€171,567,526
1,606 Loans
€123,720,038
1,261 Loans
€26,560,829
151 Loans
€1,240,000
2 Loans
€265,001
1 Loan
€0
0 Loan
€98,800
1 Loan
€6,135,388
155 Loans
€13,557,918
179 Loans
10.03%
10.38%
2021
€202,797,652
1,072 Loans
€58,329,544
338 Loans
€41,959,371
108 Loans
€14,639,721
26 Loans
€4,554,999
6 Loans
€0
0 Loan
€124,900
2 Loans
€8,524,450
81 Loans
€74,565,866
584 Loans
10.86%
9.68%
2020
€120,305,673
824 Loans
€1,456,711
11 Loans
€1,640,176
4 Loans
€7,234,472
20 Loans
€1,823,998
3 Loans
€0
0 Loan
€8,514,500
40 Loans
€947,615
9 Loans
€98,688,201
744 Loans
11.40%
10.95%
2019
€80,370,394
583 Loans
€0
0 Loan
€0
0 Loan
€1,103,337
8 Loans
€1,070,698
10 Loans
€0
0 Loan
€5,672,265
42 Loans
€1,695,171
11 Loans
€70,828,924
524 Loans
11.62%
10.83%
2018
€53,004,608
354 Loans
€0
0 Loan
€0
0 Loan
€196,000
4 Loans
€573,535
8 Loans
€28,280
1 Loan
€5,213,919
32 Loans
€560,465
8 Loans
€46,432,438
311 Loans
12.02%
10.80%
2017
€22,992,923
147 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€18,333
1 Loan
€11,840
1 Loan
€3,208,164
20 Loans
€201,667
1 Loan
€19,552,927
126 Loans
12.01%
10.76%
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
13.56%
10.52%
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
11.52%
10.67%
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
10.88%
10.00%

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
€277,013,101 41.50%
Bridge loan
€263,409,798 39.46%
Business loan
€127,083,753 19.04%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €486,884,875 in collaterals, of which 97.83% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€364,001,343 54.53%
Land and buildings under construction
€163,534,239 24.50%
Commercial
€139,971,070 20.97%

Annual reports

Our detailed annual financial reports are independently audited by a third-party auditing firm and are available to download and study. Below is a list of available reports.