Twelve years ago, Estateguru started in a small one-room office where space was so limited that we sometimes worked from the windowsill. Our first loan was €50,000, backed by a small apartment on the outskirts of Tallinn, and it was difficult to imagine how far this model could eventually reach.
This July, investors on the platform reached an important milestone: €100 million in total earnings. Over the years, they have financed thousands of property-backed projects through very different market cycles.
For me, this milestone reflects long-term investor participation: thousands of individual investment decisions, repayments reinvested into new projects, and continued confidence in property-backed lending as part of a diversified portfolio.
Thank you to everyone who has invested through Estateguru over the years and helped make this milestone possible — to our investors for their trust, our team for their relentless dedication, and our borrowers for choosing us to finance their projects.
Daniil Aal, CEO of Estateguru
Real estate backed loan origination
- Estonia: €1.61M
- Latvia: €1.3M
- Portugal: €1M
- Lithuania: €0.98M
In July, €4.89M in new loans was funded across the Baltics. The month also recorded the highest average interest rate on new loans this year, one of the highest investor deposit volumes of 2026, and the highest monthly investor earnings so far this year.
New loans issued over the past six months:
Repayments and recoveries
A total of €8.51M was paid out to investors. Of this, €6.2M represented scheduled principal repayments, €1.37M was recovered from non-performing loans, and €0.94M was distributed to investors as returns.
Repayments and investor earnings over the past six months (EUR million):
Loan portfolio summary of recent years
In 2023–2025, Estateguru issued loans totalling €246.5M. By the end of July, €205.6M (83.4%) had been repaid to investors, and €31.9M (12.9%) is being repaid according to schedule.
€8.8M (3.6%) from that period has been classified as late or non-performing, and we are actively working on its recovery.
In 2026, we have issued €33.8M in loans. Of this, €1.9M has already been repaid, while the remainder is performing according to schedule.
New payment service provider
We have completed the migration of Estateguru’s payment infrastructure to AS LHV Pank, a licensed bank.
For investors, the new setup provides fast deposits and withdrawals, a smooth payment experience, and a strong foundation for future improvements to the platform. Your portfolio, investments, and account history remain unchanged.
As part of the transition, each investor now has new payment details and a new virtual IBAN. These are available directly in the Estateguru portal and should be used for all future transfers. Please also update any saved payment details or recurring transfers.
