for borrowers

Real estate loans to suit your business

Estateguru provides your business with fast, hassle-free financing without any unnecessary admin, red tape or waiting periods. We offer flexible repayment schedules and terms, as well as a really quick and easy application process. Interest rates start from as low as 0.6% per month.

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5025 funded projects and counting

€4 190 000

Development loan. The borrower raised capital to develop student apartments covering about 3,600 m2 in a historic building in the heart of Halle.

€670 500

Business loan. The borrower raised capital to refinance an outstanding Estateguru loan with the purpose of extending the loan period.

€149 500

Bridge loan. The borrower raised capital to purchase an apartment property in Jurmala, Latvia.

€2 251 181

Business loan. The loan was used to finance the continuation of construction for a project in Klaipeda loftai in Klaipeda, Lithuania.

€850 000

Bridge loan. The loan was used to finance the purchase of a property and preparation costs of a development project in Portugal.

€300 000

Development loan. The borrower raised capital to continue the construction of a residential building in Vantaa.

€1 380 000

Development loan. The borrower raised capital for construction of an apartment building in Tukums, Latvia.

€5 507 470

Development loan. The borrower raised capital to develop apartment buildings in Kalamaja, one of the most desirable districts in Tallinn.

€670 000

Bridge loan. The borrower used loan to meet previous obligations before securing long term financing for 11 apartments in Marienthal, a district in the heart of Berlin.

€1 229 000

Development loan. The loan was used to finance construction of a business center in Vilnius, Lithuania.

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Let's get started

You can get the quick and easy loan process started by completing this form. Let us know where you are located, the value of your proposed collateral and the amount you’d like to borrow. Bear in mind that our maximum Loan to Value ratio is 75%. The loan period is calculated by month. If you’d like to skip this process and have one of our loan managers contact you directly, please send an email to:

1. Loan amount

Value of the object in €, ie. 250,000
From 1 to 60 months

2. Loan details

3. Collateral object (optional)

Upload files
Drag file here or click to select
Project images, project documents
Additional comments

4. Contact info

Summary of your loan quote

Loan type:
Collateral value:
Loan amount:
Loan to value (LTV):
Loan term:
Repayment type:

Have questions about loans? Contact us

Call us at +372 6412 777 or leave your contact information and our dedicated team will get back to you within two working days.

Only legal entities incorporated in the EU, with collateral located in Estonia, Latvia, Lithuania, Finland, Germany, Spain, Portugal, Netherlands, Italy, UK, Ireland can currently borrow through Estateguru. We will have to perform "know your customer" checks and approve your real estate project before you are allowed to post your loan application on Estateguru.

To apply for a loan you need to complete the application form and provide us with all the documentation required. Do not hesitate to contact us if you have a question or concerns at

The borrower completes the initial loan application form on our website or contacts our sales team. Estateguru will assess the borrower’s creditworthiness, business plan, and the appraisal report of the collateral, to ensure the borrower is able to make the loan repayments and to avoid a situation, where investors' capital is at risk. After approval of the loan request, the loan will be released on the Estateguru platform, where investors can assess the risk and invest in the loan. When the loan is funded, the pledge will be created and the loan will be paid out to the borrower. In case the loan does not get funded, the contracts will end instantly and all the invested funds will be released to the respective investors' accounts. The borrower also has the option to accept only the amount that was raised. The borrower is obliged to make the repayments according to the agreed repayment schedule. The investors can track all repayments on the portfolio page and withdraw or reinvest all the receivables.

Rates vary depending on the loan. Get your personal quote by completing the application form or contacting

Borrowers are able to repay the loan earlier and interest for the investors will be calculated and charged based on the number of days the funds were in the borrower’s possession.

Yes, borrowers are able to extend the loan period. Before the loan is extended, Estateguru will require the reasons behind the request. Our credit team will assess each request on an individual basis.

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  • 1

    Application and analysis

    Fill out the application form in as much detail as possible or contact us directly –

    We’ll either get back to you with follow-up questions or submit your application to our risk team for due diligence immediately. We aim to have this done within 24 hours.

    We’ll send you a non-binding, indicative offer.

  • 2

    Agreement and preparation

    If the indicative offer meets your expectations and you agree in principle, our loan managers will start preparing the project on our platform.

    Once the project is ready, we send you the contract with the final agreed binding offer.

    You’ll sign the contract and the project is then released onto the platform to our investors. Depending on the size of the loan, it may be funded anywhere from instantaneously to a few days.

  • 3

    Funding and payment

    As soon as your project hits its funding target, we will set a notary appointment to sign the mortgage agreement for the collateral.

    Once the mortgage is signed, we release the funds to your bank account.

    You will be required to repay the loan according to the agreed schedule.

    When the loan is repaid, the investors receive their funds, we cancel the mortgage on the collateral, and we all celebrate your successful project.

    There are no fees or penalties for early repayment. Simply notify us that you plan to do so, and we will assist you.