Estateguru historical statistics

Updated: 05.12.2023

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.

€768,786,288

Total loans funded
61.79%

Average loan to value (LTV)

6,083

Number of loans funded

€126,383

Average loan size

10.47%

Historical return

13.0 months

Average loan term of issued loans

12.0 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
€439,821,738 58.91 %
In Default
€127,421,841 17.07 %
Funded
€122,652,278 16.43 %
Fully Recovered
€37,528,961 5.03 %
Partially recovered outstanding amount
€9,252,785 1.24 %
Late
€8,238,905 1.10 %
Partially recovered repaid amount
€1,698,949 0.23 %
Written Off
€40,121 0.01 %
€39,227,910

Total recovered amount

8.73%

Average return of fully recovered loans

11.0 months

Average term from default to fully recovered

22.75%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€327,945,370 42.66%
Lithuania
€140,709,689 18.30%
Germany
€103,807,532 13.50%
Latvia
€99,906,703 13.00%
Finland
€86,119,759 11.20%
Portugal
€4,383,035 0.57%
Spain
€4,164,200 0.54%
Sweden
€1,750,000 0.23%

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
€89,955,910
1,233 Loans
€68,524,306
962 Loans
€3,684,005
55 Loans
€2,135,897
42 Loans
€164,413
4 Loans
€0
0 Loan
€122,860
3 Loans
€5,401,170
242 Loans
€9,923,259
167 Loans
9.71%
2022
€183,004,568
1,769 Loans
€43,046,482
556 Loans
€3,019,768
41 Loans
€45,035,270
301 Loans
€2,078,802
25 Loans
€0
0 Loan
€5,267,262
48 Loans
€12,618,948
243 Loans
€71,938,036
798 Loans
9.00%
2021
€202,797,652
1,072 Loans
€11,081,490
82 Loans
€1,535,132
7 Loans
€71,536,702
170 Loans
€5,752,328
35 Loans
€0
0 Loan
€4,381,740
17 Loans
€7,407,542
75 Loans
€101,003,918
763 Loans
10.03%
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
€874,368
8 Loans
€0
0 Loan
€7,175,602
48 Loans
€478,852
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
€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
€321,353,642 41.80%
Bridge loan
€304,754,708 39.64%
Business loan
€142,677,938 18.56%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €516,991,318 in collaterals, of which 97.88% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€427,520,465 55.61%
Land and buildings under construction
€188,143,967 24.47%
Commercial
€153,121,856 19.92%