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.
€879,108,642
Total amount 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
|
€ 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 % |
Total recovered amount
Average return of recovered loans
Average term from default to recovered
Recovered rate (portfolio)
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.
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% |