Estateguru historical statistics

Updated: 06.10.2022

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
60.54%

Average loan to value (LTV)

4,347

Number of loans funded

€147,196

Average loan size

9.89%

Historical return

14.0 months

Average loan term of issued loans

11.5 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
€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 %
€22,414,066

Total recovered amount

9.22%

Average return of fully recovered loans

11.6 months

Average term from default to fully recovered

47.03%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€267,310,321 41.77%
Lithuania
€113,575,001 17.75%
Germany
€101,771,549 15.90%
Latvia
€80,518,505 12.58%
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
€262,947,673 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
€347,188,022 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.