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With tens of thousands of active investors on the platform, EstateGuru helps you get the money you need to finance your development project five times faster than traditional financial institutions. We’ll also help you save money, as our loans are up to 50% cheaper than other non-bank lenders.
Our team will help you determine a repayment schedule that suits the needs of your project, support you throughout the application process, promote your loan to our investors, and make sure you get the funds you need – fast.
Get your offerWe know that each project is different and that you require flexibility to suit your specific needs. This calculator will let you see how much you can expect to borrow depending on the value of your proposed collateral. You can also check what your monthly repayment schedule would be by selecting the repayment type that works for you.
We understand how much time matters, so we give you personal feedback and advice on your application within a day or two, while our investor funding is often completed in a few hours. We can tailor your repayment schedule to suit your cash flow situation, meaning no additional pressure when you least need it. Focus on delivering your development, not on paperwork or unnecessary admin.
Annuity payments, bullet, or full-bullet payments – the choice is yours. We also have no penalties if your project is so successful that you manage to pay your loan back early. You’ll pay only the interest on the actual loan period.
We know the value of efficiency, so we ensure that borrowers can get funding in as little as a few days. Our huge investor pool also means most projects are fully funded within hours of syndication, while we keep admin to a minimum in order to allow you to focus on your business.
We understand the real estate business and what makes a great project, which is why we offer a Loan to Value ratio of up to 75%. Talk to our property investment professionals, not bankers and accountants, to get the maximum out of your loan and find the support you need.
Our platform is home to a mix of private and institutional investors with a keen appetite for the real estate market, and attractive projects are funded in record time. Over the years, we’ve helped thousands of developers achieve success. If the banks are too slow for your liking or unwilling to help at all, you’ve come to the right place.
Get your offerWhether you’re just starting your project or need some help getting it over the line, we have loans to support you during every stage of development. It’s never too early or too late to give your project the funding it needs to succeed. Here are the three loan types we offer:
Development loans can be used for anything from construction to excavation work or the development of area infrastructure like installing utilities or building roads. Typically used to finance residential or commercial developments like apartments or office premises, or to renovate existing properties.
A business loan is used to raise capital for day-to-day expenses and activities, business expansion, the acquisition of equipment or goods, or to cover pending obligations like taxes and admin fees. A business loan can also be used to refinance a project or restructure assets.
A bridge loan is a short-term real estate loan that provides the owner with the necessary capital to continue their project until a permanent loan solution is acquired. Bridge loans are typically used to finance the preparation for development, to secure the purchase of a property, as a sale advance, or as a means to exit a development.
Only companies registered in and with a bank account in Estonia, Latvia, Lithuania, Finland, Spain and 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.
The borrower signs up on EstateGuru and fills in the loan request. 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 into 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.
To apply for a loan you need to register as a borrower, fill in the loan application and provide us with documentation required in the application form. Do not hesitate to contact us if you have a question or concerns at info@estateguru.co.
EstateGuru charges 3-4% of the total loan amount in case of the successful funding process and a 0-2% annual administration fee. In case of a delay in the loan repayment, several penalty fees need to be paid by the borrower.
Borrowers are able to repay the loan earlier. We do not charge any fees for paying loans back earlier. In case of repayment of a loan, the remaining balance of the administration fee must be fully paid simultaneously with the repayment of the loan. More can be read from General Loan terms clause 16.6.
Yes, borrowers are able to extend the loan period. Before the loan is extended, EstateGuru will ask the reasons behind the decision. If the reasons are acceptable, the borrower is required to pay 100€ to update the contract.
Create your EstateGuru account and submit details of your project along with a funding application. You’ll need to specify the target amount, your desired interest rate and a few other details related to the project.
A loan manager from EstateGuru will get in touch with you as soon as possible and guide you through the entire process. As former property developers, we know that time is of the essence.
Once we’ve helped you dot the I’s and cross the T’s we’ll agree on the key financing terms. Now we can publish your project on our investment page. In most cases, we fund the published loan in hours. On rare occasions, the financing round can be open for up to two weeks until your project target is reached.
Once your project has hit the target and you’ve met all our drawdown conditions, we’ll release the funds. You’ll need to make repayments on the principal amount and any interest according to the agreed schedule. Once the loan is fully repaid the funds are released to the investors.
“Crowdfunding is a good financial leverage – when owning unutilized property you can take a short term loan and take action on it and develop your business. That’s what is needed to be successful in the real estate business.”
Watch the interview with entrepreneur Vilis Krištopans on opportunities with EstateGuru
If you need any more information on loan terms or any other part of borrowing from EstateGuru, leave your contact information and our dedicated team will get back to you within two working days.
If you’re in a hurry, you can also call us at +372 6412 777