Fast, flexible real estate business loans

EstateGuru offers your business fast, hassle-free financing without any unnecessary admin, red tape or waiting periods. Our team of real estate professionals are on hand to assist you with your application and ensure that you get the money you need to execute your business strategy, when you need it, and not weeks later.

If you have real estate as collateral and need a business, bridging, or development loan, we’re here to help. Our process is completely transparent, there are no hidden or surprise fees, and our repayment options are flexible, so we’ll find the perfect solution for your business.

Get your offer

How much can I get?

We 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.

Collateral object value 650,000
Desired loan amount 50,000
Loan period 24 months

Please note: The amounts calculated and displayed here are for information purposes only and are an indicative offer based on a guideline interest rate. The actual deal you are offered may differ depending on the assessment of our risk team.

Monthly payment: €458.33
LTV: 7.69%
Custom-tailored to suit your needs

Financing done the right way

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.

Flexible terms

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. 

Faster process

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.

LTV up to 75%

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.

Get access to thousands of investors

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 offer

How can I use my loan?

Whether 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 loan

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.

Business loan

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.

Bridge loan

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 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.

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.

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

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.

Show more
  • 1

    Register or contact us and share your project

    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.

  • 2

    We’ll contact you. Quickly

    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.

  • 3

    Project approval and syndication

    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.

  • 4

    Funding and payment

    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.

2785 funded projects and counting

Estonia. The borrower raised capital to renovate an old residential apartment building.

Loan value €396 000. 12 months. Full bullet.

Estonia. Development in the most sought-after location in Tallinn City Centre, a total of 50 loft-type apartments. Capital is raised by stages, in tranches during the development period.
Loan amount up to €6.4M.

We chose EstateGuru because of their flexibility and their willingness to see opportunities in our project while many traditional financers didn´t. Also, compared to other credit providers, they were cost effective which is of course very important.”

Watch the interview with entrepreneur Lauri Kettunen on opportunities with EstateGuru

Gert Roosaar Borrower of EstateGuru, real estate developer

"Speed and flexibility are the core assets of EstateGuru. We have used crowdfunding finance to build around 90 apartments as well as commercial real estate. EstateGuru has always been just a phone-call away. In general, financing has been released even earlier than the set date. There are no hidden fees and you can pay back the loan early without any additional cost."

Veljo Kuusk Real estate developer

"EstateGuru is an efficient and proactive partner offering elaborate and well-thought-through financial solutions. For me personally, it’s of immense importance that they are with you, on the same side of the table as a partner, not in opposition to you. And they are experts in real estate. While a traditional bank is the best option in case of capital-intensive and longer projects, EstateGuru is an indispensable partner for projects up to €2-million."

Have any questions?

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