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.
€700,692,892
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
|
€365,940,229 53.28 % |
|
Funded
|
€154,846,084 22.55 % |
|
In Default
|
€106,896,122 15.56 % |
|
Fully Recovered
|
€26,403,330 3.84 % |
|
Late
|
€25,244,573 3.68 % |
|
Partially recovered outstanding amount
|
€6,013,057 0.88 % |
|
Partially recovered repaid amount
|
€1,395,906 0.20 % |
|
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
|
€291,629,804 41.62% |
Lithuania
|
€128,423,225 18.33% |
Germany
|
€103,807,532 14.81% |
Latvia
|
€89,760,497 12.81% |
Finland
|
€77,639,174 11.08% |
Spain
|
€4,164,200 0.59% |
Portugal
|
€3,518,460 0.50% |
Sweden
|
€1,750,000 0.25% |
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 |
€21,245,403
404
Loans
|
€20,724,897
394
Loans
|
€109,452
2
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€285,554
15
Loans
|
€113,000
4
Loans
|
8.41%
|
| 2022 |
€183,004,568
1,769
Loans
|
€103,509,277
1,167
Loans
|
€12,964,037
108
Loans
|
€33,191,935
177
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€398,800
2
Loans
|
€7,187,250
179
Loans
|
€25,753,270
312
Loans
|
8.60%
|
| 2021 |
€202,797,652
1,072
Loans
|
€30,181,206
220
Loans
|
€12,116,101
50
Loans
|
€64,037,729
132
Loans
|
€3,036,990
5
Loans
|
€0
0
Loan
|
€1,874,900
5
Loans
|
€5,555,995
65
Loans
|
€85,895,931
659
Loans
|
10.06%
|
| 2020 |
€120,305,673
824
Loans
|
€430,705
6
Loans
|
€54,983
1
Loan
|
€8,734,472
22
Loans
|
€1,695,005
2
Loans
|
€0
0
Loan
|
€8,656,500
41
Loans
|
€474,307
7
Loans
|
€100,259,701
750
Loans
|
10.97%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€735,986
7
Loans
|
€1,070,698
10
Loans
|
€0
0
Loan
|
€6,039,616
43
Loans
|
€932,522
10
Loans
|
€71,591,573
525
Loans
|
11.03%
|
| 2018 |
€53,004,608
354
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€196,000
4
Loans
|
€192,030
5
Loans
|
€28,280
1
Loan
|
€5,790,919
35
Loans
|
€364,970
5
Loans
|
€46,432,438
311
Loans
|
11.28%
|
| 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
|
11.16%
|
| 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
|
€293,803,820 41.93% |
|
Bridge loan
|
€273,663,182 39.06% |
|
Business loan
|
€133,225,890 19.01% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €530,480,310 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
|
€385,774,383 55.06% |
|
Land and buildings under construction
|
€168,918,389 24.11% |
|
Commercial
|
€146,000,120 20.84% |