Estateguru historical statistics

Updated: 30.09.2023

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.

€749,146,123

Total loans funded
61.54%

Average loan to value (LTV)

5,905

Number of loans funded

€126,866

Average loan size

10.53%

Historical return

13.0 months

Average loan term of issued loans

11.9 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
€411,035,430 56.89 %
In Default
€132,860,853 18.39 %
Funded
€128,453,235 17.78 %
Fully Recovered
€32,952,711 4.56 %
Late
€11,871,699 1.64 %
Partially recovered outstanding amount
€4,358,691 0.60 %
Partially recovered repaid amount
€980,272 0.14 %
Written Off
€40,121 0.01 %
€33,932,983

Total recovered amount

8.67%

Average return of fully recovered loans

11.8 months

Average term from default to fully recovered

19.87%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€317,912,508 42.44%
Lithuania
€136,977,704 18.28%
Germany
€103,807,532 13.86%
Latvia
€97,218,327 12.98%
Finland
€83,266,704 11.11%
Spain
€4,164,200 0.56%
Portugal
€4,049,148 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
€70,315,745
1,055 Loans
€57,115,253
920 Loans
€2,168,966
31 Loans
€1,364,226
23 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€3,696,697
203 Loans
€5,970,603
81 Loans
10.07%
2022
€183,004,568
1,769 Loans
€56,806,077
756 Loans
€4,823,780
39 Loans
€46,546,153
295 Loans
€302,303
1 Loan
€0
0 Loan
€3,266,713
22 Loans
€16,516,871
299 Loans
€54,742,671
656 Loans
9.02%
2021
€202,797,652
1,072 Loans
€14,531,905
95 Loans
€4,878,953
13 Loans
€75,547,449
202 Loans
€2,989,990
4 Loans
€0
0 Loan
€2,414,885
12 Loans
€6,503,558
75 Loans
€95,832,111
748 Loans
9.94%
2020
€120,305,673
824 Loans
€0
0 Loan
€0
0 Loan
€8,537,538
24 Loans
€0
0 Loan
€0
0 Loan
€10,861,483
45 Loans
€334,934
5 Loans
€100,571,718
754 Loans
10.86%
2019
€80,370,394
583 Loans
€0
0 Loan
€0
0 Loan
€735,986
7 Loans
€874,368
8 Loans
€0
0 Loan
€6,689,616
45 Loans
€478,852
8 Loans
€71,591,573
525 Loans
10.96%
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
€314,713,644 42.01%
Bridge loan
€294,054,591 39.25%
Business loan
€140,377,888 18.74%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €556,797,908 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
€413,073,187 55.14%
Land and buildings under construction
€184,707,692 24.66%
Commercial
€151,365,244 20.21%