Estateguru historical statistics

Updated: 08.06.2023

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.

€717,889,443

Total loans funded
60.87%

Average loan to value (LTV)

5,521

Number of loans funded

€130,029

Average loan size

10.65%

Historical return

14.0 months

Average loan term of issued loans

11.8 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
€379,412,993 54.14 %
Funded
€146,160,559 20.86 %
In Default
€125,064,486 17.85 %
Fully Recovered
€27,238,830 3.89 %
Late
€16,057,594 2.29 %
Partially recovered outstanding amount
€5,823,795 0.83 %
Partially recovered repaid amount
€985,168 0.14 %
Written Off
€40,121 0.01 %
€28,223,998

Total recovered amount

8.65%

Average return of fully recovered loans

12.8 months

Average term from default to fully recovered

17.88%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€299,976,080 41.79%
Lithuania
€131,647,968 18.34%
Germany
€103,807,532 14.46%
Latvia
€92,897,289 12.94%
Finland
€79,909,604 11.13%
Spain
€4,164,200 0.58%
Portugal
€3,736,770 0.52%
Sweden
€1,750,000 0.24%

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*
2023
€39,059,065
671 Loans
€35,965,993
632 Loans
€1,054,806
16 Loans
€200,447
4 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€872,199
53 Loans
€965,621
19 Loans
9.41%
2022
€183,004,568
1,769 Loans
€87,373,951
1,028 Loans
€9,924,514
93 Loans
€42,392,090
243 Loans
€0
0 Loan
€0
0 Loan
€567,800
4 Loans
€8,910,612
264 Loans
€33,835,601
400 Loans
8.77%
2021
€202,797,652
1,072 Loans
€22,792,586
149 Loans
€4,821,697
39 Loans
€72,817,009
171 Loans
€3,036,990
5 Loans
€0
0 Loan
€1,874,900
5 Loans
€7,041,927
100 Loans
€90,313,743
702 Loans
9.99%
2020
€120,305,673
824 Loans
€40,529
1 Loan
€256,578
3 Loans
€8,789,455
23 Loans
€1,695,005
2 Loans
€0
0 Loan
€8,656,500
41 Loans
€487,905
9 Loans
€100,379,701
752 Loans
10.96%
2019
€80,370,394
583 Loans
€0
0 Loan
€0
0 Loan
€735,986
7 Loans
€899,769
9 Loans
€0
0 Loan
€6,419,616
44 Loans
€723,451
9 Loans
€71,591,573
525 Loans
10.98%
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
€301,447,367 41.99%
Bridge loan
€280,330,040 39.05%
Business loan
€136,112,036 18.96%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €531,435,121 in collaterals, of which 97.85% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€396,984,768 55.30%
Land and buildings under construction
€172,342,502 24.01%
Commercial
€148,562,173 20.69%