Estateguru historical statistics

Updated: 28.11.2022

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.

€663,527,254

Total loans funded
59.88%

Average loan to value (LTV)

4,638

Number of loans funded

€143,063

Average loan size

10.88%

Historical return

14.0 months

Average loan term of issued loans

11.6 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
€338,362,761 52.12 %
Funded
€188,665,966 29.06 %
Late
€64,539,749 9.94 %
In Default
€24,603,530 3.79 %
Fully Recovered
€23,266,979 3.58 %
Partially recovered outstanding amount
€8,164,563 1.26 %
Partially recovered repaid amount
€1,586,400 0.24 %
Written Off
€40,121 0.01 %
€24,853,378

Total recovered amount

8.83%

Average return of fully recovered loans

11.9 months

Average term from default to fully recovered

48.60%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€277,490,887 41.82%
Lithuania
€119,315,741 17.98%
Germany
€103,551,613 15.61%
Latvia
€83,368,119 12.56%
Finland
€70,856,204 10.68%
Spain
€4,164,200 0.63%
Portugal
€3,030,490 0.46%
Sweden
€1,750,000 0.26%

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
€167,416,132
1,550 Loans
€123,142,771
1,235 Loans
€23,849,364
134 Loans
€1,240,000
2 Loans
€282,502
1 Loan
€0
0 Loan
€98,800
1 Loan
€5,644,463
150 Loans
€13,158,232
172 Loans
10.05%
10.36%
2021
€202,797,652
1,072 Loans
€62,353,844
358 Loans
€40,565,386
102 Loans
€14,639,721
26 Loans
€4,554,999
6 Loans
€0
0 Loan
€124,900
2 Loans
€6,637,352
83 Loans
€73,822,650
576 Loans
10.86%
9.68%
2020
€120,305,673
824 Loans
€3,169,350
15 Loans
€125,000
1 Loan
€7,234,472
20 Loans
€1,823,998
3 Loans
€0
0 Loan
€8,514,500
40 Loans
€1,212,151
10 Loans
€98,226,201
743 Loans
11.40%
10.95%
2019
€80,370,394
583 Loans
€0
0 Loan
€0
0 Loan
€1,103,337
8 Loans
€1,070,698
10 Loans
€0
0 Loan
€5,672,265
42 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
10.88%
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
€275,226,848 41.48%
Bridge loan
€261,345,367 39.39%
Business loan
€126,955,039 19.13%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €486,823,610 in collaterals, of which 97.82% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€360,729,641 54.37%
Land and buildings under construction
€162,901,043 24.55%
Commercial
€139,896,570 21.08%

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.