Real estate loans to suit your business

Estateguru offers your business fast, hassle-free financing without any unnecessary admin, red tape or waiting periods.

Modern, digital solution​

Easy and fast application process

Flexible terms and repayment schedules

Interest rates from 0.6% per month

Real estate loans to suit your business

Estateguru offers your business fast, hassle-free financing without any unnecessary admin, red tape or waiting periods.

Modern, digital solution

Easy and fast application process

Flexible terms and repayment schedules

Interest rates from 0.6% per month​

62.51%

Average loan to value (LTV)

13.9 Months

Average loan term

6,670

Funded loans

€820,539,380

Money lent

€123,019

Average loan size

All loans are secured with a mortgage and subjected to complex, data-driven risk analyses by our team of seasoned real estate professionals before being released to our investors.

All loans are secured with a mortgage and subjected to complex, data-driven risk analysis by our team of seasoned real estate professionals before released to our investors.

Loan types
Loan types

Development loan

Can be used to buy a land plot, renovate an existing building, build a completely new one, or carry out almost any form of real estate development.

Bridge loan

A short-term real estate loan that gives you the necessary capital to continue your project until a permanent loan solution is acquired.

Business loan

Raise capital for day-to-day business expenses and activities, expansion, acquisition of equipment or goods, or to cover pending obligations like taxes and admin fees.

How does it work?

How does it work?

Application and analysis

Fill out the application form in as much detail as possible or contact us directly – loans@estateguru.co

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.

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.

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.
Ready for a loan quote?

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 info@estateguru.co

Funded projects

6,670 funded projects and counting

Loan amount

€ 1,229,000

Development loan
Lithuania Lithuania

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

Loan amount

€ 670,500

Business loan
Estonia Estonia

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

Loan amount

€ 149,500

Bridge loan
Latvia Latvia

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

Loan amount

€ 2,251,181

Business loan
Lithuania Lithuania

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

Loan amount

€ 850,000

Bridge loan
Spain Spain

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

Loan amount

€ 300,000

Development loan
Finland Finland

The borrower raised capital to continue the construction of a residential building in Vantaa, Finland

Loan amount

€ 1,380,000

Development loan
Latvia Latvia

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

Loan amount

€ 5,507,470

Development loan
Estonia Estonia

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

Frequently asked questions

EstateGuru aims to keep its investors updated via the loan update section, which can be found within the "update" section in the upper right panel when logged in. It is important to understand that EstateGuru posts updates as soon as we have significant and specific information to provide. For defaulted or late loans, we aim to publish an update in every 30 days.

If the borrower wants to extend the initial contractual loan period, Estateguru will investigate the reasons and assess the situation accordingly. All extension decisions go through a credit committee and are made in the interests of the investors and the borrowers. If the loan period is to be extended, the borrower will be obliged to pay a fee to cover additional documentation expenses. An extension of up to 3 months is allowed under the existing credit conditions. For an extension from 4 to 24 months, the interest rate will be increased as follows:

· 4-6 months +1%;

· 7-9 months +1%;

· 10-12 months +1%;

· 13-18 months + 1%;

· 19-24 months + 1%.

According to EstateGuru's user terms, early repayments are allowed and accepted without penalties. The schedules are automatically changed when there are some returns and due to earlier repayment, the interests are re-calculated. Interest is calculated solely for the period the funds were used by the borrower.

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.

More information in our pricelist: Price list - Estateguru

Yes, we do offer loans secured by land, forest or other types of real estate.

LTV means Loan To Value and represents the ratio between the loan amount and the value of the collateral. The maximum LTV offered to the borrower is 75%.

The projected LTV represents an LTV figure that Estateguru's team is willing to offer for this particular project as a maximum. This indicates that within the upcoming stages of the loan the LTV of the loan might increase up to the projected LTV figure.

More information can be found here: Understanding stage loans and cumulative loan to value (LTV) ratios

Many developers face the challenge in which the current value of their development object does not enable them to raise the capital that is needed to complete the development object entirely. As Estateguru only lends against the current value of the collateral and not the future value, then for development loans we often use stage loans. This means that when the first investment round of an object enables the borrower to increase the collateral value of the property by developing the object further, then in the context of the given LTV the investment amount can increase via the next stages of the loan.

All loans are funded solely based on the current value of the object and a precondition for every stage is an updated valuation report and/or the cost report of the collateral or its construction.

Understanding stage loans and cumulative loan to value (LTV) ratios

The loan is in "open" status if the syndication period is ongoing and investing in the loan is still possible. Once the loan is full, the loan is placed to "fully invested" status.

A development loan is a loan that it used to finance the development's planning process or the development/construction of the property itself. A bridge loan is a short-term loan used to meet current obligations before securing a permanent financing option, enhancing the value of the property or selling the underlying asset. A business loan is a loan that is used to raise capital for supporting the day-to-day activities of the firm, business expansion, acquisition of equipment or goods, cover pending obligations (taxes, etc.). Despite the loan type, all Estateguru's loans are secured with a mortgage.

The list of required information and documentation includes but is not limited to information on the requested loan amount; loan period; interest and repayment schedule; description of the project – how the money will be used; description of the mortgage (location, condition); appraisal report; business plan; pictures of the collateral, information about the borrower's previous projects and introduction of the borrower. All documents can be uploaded in the loan application form.

Estateguru's loan managers will make contact with potential borrowers as soon as an inquiry or application has been submitted via our homepage. We will go through the loan application in detail and ask more questions or request additional documentation where necessary. It will take approximately 2-3 days to evaluate the application and create a loan application, assuming all documentation is in place. After the final credit committee confirmation the loan will be opened for investment on the marketplace.

The syndication process can take anything from a few minutes to up to 2 weeks. How fast the loan is funded depends mostly on the attractiveness and terms of the project and the loan amount.

Contact us

Contact us

Have questions about loans?

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

Explore our Knowledge Hub