Estateguru historical statistics

Updated: 25.04.2025

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.

€879,108,642

Total amount funded
62.08%

Average loan to value (LTV)

7,145

Number of loans funded

€123,038

Average loan size

10.16%

Historical return

14.0 months

Average loan term of issued loans

13.2 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
522,659,547 77.43 %
Funded
68,899,237 10.21 %
Recovered
42,998,524 6.37 %
In recovery
30,745,579 4.55 %
Partially recovered outstanding amount
7,037,685 1.04 %
Partially recovered repaid amount
1,330,909 0.20 %
Delayed
1,234,471 0.18 %
Written Off
103,087 0.02 %
€56,334,933

Total recovered amount

7.53%

Average return of recovered loans

7.9 months

Average term from default to recovered

28.43%

Recovered rate (portfolio)

0.01%

Total written off

Monthly loan repayment amounts

Historical loans by country

Estonia
€379,103,819 43.11%
Lithuania
€166,757,556 18.96%
Latvia
€123,595,768 14.06%
Germany
€103,807,532 11.81%
Finland
€94,279,123 10.72%
Portugal
€5,850,000 0.67%
Spain
€4,164,200 0.47%
Sweden
€1,750,000 0.20%

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 Delayed In recovery Partially recovered Written Off Recovered Partially repaid Repaid Actual return*
2025
€20,177,984
164 Loans
€18,624,231
155 Loans
€853,469
3 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€246,422
8 Loans
€453,862
6 Loans
9.13%
2024
€80,743,011
815 Loans
€45,348,291
423 Loans
€320,302
7 Loans
€1,336,226
19 Loans
€345,176
3 Loans
€0
0 Loan
€1,030,402
18 Loans
€3,653,007
86 Loans
€28,709,606
352 Loans
9.36%
2023
€99,357,269
1,313 Loans
€6,265,624
79 Loans
€91,636
2 Loans
€4,007,267
75 Loans
€646,315
25 Loans
€0
0 Loan
€5,640,654
122 Loans
€1,459,561
42 Loans
€81,246,223
1,089 Loans
9.47%
2022
€183,004,568
1,769 Loans
€3,105,339
24 Loans
€0
0 Loan
€50,361,942
325 Loans
€2,202,580
66 Loans
€0
0 Loan
€12,617,299
180 Loans
€5,031,216
92 Loans
€109,686,191
1,249 Loans
9.03%
2021
€202,797,652
1,072 Loans
€17,000
1 Loan
€0
0 Loan
€73,434,829
177 Loans
€6,390,658
42 Loans
€62,966
1 Loan
€7,691,871
35 Loans
€4,598,510
51 Loans
€110,503,018
823 Loans
9.89%
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
€868,565
8 Loans
€0
0 Loan
€7,175,602
48 Loans
€484,655
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
€177,545
4 Loans
€28,280
1 Loan
€5,875,419
37 Loans
€361,455
4 Loans
€46,432,438
311 Loans
11.26%
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.

Default rate* 27.45%
EU Regulations require publishing of a default rate calculated as follows: the number of loans that defaulted over the course of the year divided by the number of non-defaulted loans at 1 Jan of that year. The current figure is for the year 2023.

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
€362,742,974 41.25%
Bridge loan
€360,468,186 40.99%
Business loan
€156,096,838 17.75%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €440,209,699 in collaterals, of which 98.06% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€495,767,569 56.38%
Land and buildings under construction
€219,964,934 25.02%
Commercial
€163,575,495 18.60%