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.
€639,862,598
Total loans 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
|
€326,901,198 52.08 % |
|
Funded
|
€195,888,124 31.21 % |
|
Late
|
€53,914,004 8.59 % |
|
In Default
|
€23,543,130 3.75 % |
|
Fully Recovered
|
€20,905,179 3.33 % |
|
Partially recovered outstanding amount
|
€4,942,076 0.79 % |
|
Partially recovered repaid amount
|
€1,508,887 0.24 % |
|
Written Off
|
€40,121 0.01 % |
Total recovered amount
Average return of fully recovered loans
Average term from default to fully recovered
Fully recovered rate (portfolio)
Total written off
Historical default
Monthly loan repayment amounts
Historical loans by country
Estonia
|
€267,310,321 41.78% |
Lithuania
|
€113,575,001 17.75% |
Germany
|
€101,771,549 15.91% |
Latvia
|
€80,458,505 12.57% |
Finland
|
€67,802,532 10.60% |
Spain
|
€4,164,200 0.65% |
Portugal
|
€3,030,490 0.47% |
Sweden
|
€1,750,000 0.27% |
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 |
€143,967,288
1,264
Loans
|
€113,621,686
1,065
Loans
|
€15,466,672
75
Loans
|
€1,001,800
3
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€4,232,744
87
Loans
|
€9,644,387
118
Loans
|
10.16%
|
10.30%
|
| 2021 |
€202,797,652
1,072
Loans
|
€78,414,256
413
Loans
|
€37,857,284
110
Loans
|
€11,844,521
19
Loans
|
€1,565,009
2
Loans
|
€0
0
Loan
|
€124,900
2
Loans
|
€6,341,149
78
Loans
|
€66,650,532
522
Loans
|
10.86%
|
9.68%
|
| 2020 |
€120,305,673
824
Loans
|
€3,925,182
16
Loans
|
€517,048
4
Loans
|
€7,338,472
21
Loans
|
€1,874,003
3
Loans
|
€0
0
Loan
|
€8,120,500
38
Loans
|
€1,079,866
10
Loans
|
€97,450,601
740
Loans
|
11.40%
|
10.95%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€2,972,337
15
Loans
|
€1,070,698
10
Loans
|
€0
0
Loan
|
€3,803,265
35
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
|
€386,000
5
Loans
|
€414,032
7
Loans
|
€28,280
1
Loan
|
€5,213,919
32
Loans
|
€529,968
7
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
|
10.98%
|
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
|
€262,887,673 41.09% |
|
Bridge loan
|
€254,229,228 39.73% |
|
Business loan
|
€122,745,697 19.18% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €496,022,392 in collaterals, of which 97.77% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€347,128,022 54.25% |
|
Land and buildings under construction
|
€158,056,845 24.70% |
|
Commercial
|
€134,677,731 21.05% |
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.
