The Baltic region has seen the strongest wage growth in the EU over the past three decades. That economic momentum is matched by a business environment that ranks among the world’s best: in the 2025 International Tax Competitiveness Index, Estonia places 1st globally, Latvia 2nd, and Lithuania 5th — making the Baltics the only region with all three countries in the top five. For investors on our platform, these are not abstract indicators. They underpin the property markets, borrower quality, and collateral values behind every loan we fund.
Construction costs add another layer of stability. With 60–80% of new build costs tied to energy and wages, significant property price corrections remain unlikely. At the same time, much of the region’s housing stock dates from the Soviet era and requires modernisation — sustaining steady demand for development financing.
Strong economies, stable property values, and ongoing development needs create precisely the environment where digital real estate lending is most welcomed.
Daniil Aal, CEO of Estateguru
Real estate backed loan origination
- Latvia: €2.93M
- Estonia: €2.92M
- Lithuania: €0.74M
In March, €6.59 million in new loans were funded across the Baltic states — the strongest month of 2026 so far. The pipeline heading into spring remains active. The spring construction season typically supports higher origination activity across the region.
New loans issued over the past six months:
Repayments and recoveries
A total of €7.59 million was paid out to investors. Of this amount, €5.55 million consisted of repaid loan principal according to schedule, €1.37 million was recovered from previously non-performing loans, and €0.67 million 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 originated loans totalling €246.5 million. By the end of March, €185 million (75%) of this amount had been repaid to investors, while €51.2 million (21%) is being repaid according to schedule. Only €10.20 million (4%) from these years is classified as non-performing, and we are actively working on its recovery.
In the first quarter of 2026, we originated an additional €12.9 million in loans. Of this, €0.3 million has already been repaid, while the remaining €12.6 million is performing according to schedule.
Where your investment becomes a real place
Cities are constantly evolving as new homes, workplaces and neighbourhoods are developed to meet changing needs. By investing through Estateguru, you help finance real estate projects that turn plans on paper into real buildings.
Across the Baltic states, these projects gradually become the homes, workplaces and community spaces people use every day — making you part of the development of cities and neighbourhoods around the region.
