Flexible Property Backed Loans!

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  • Money Borrowed
    €27,935,335
  • Investors
    7,574
  • Interest From
    7%

Choose a loan amount for your business

Choose a security available

Choose method of repayment

Indicative monthly payment for 12 months

€ 0
11.09 % - annual weighted average interest

We Understand Property.

  • Flexible

    Repayment schedule adapted to borrower's needs

  • Fast

    Tens of millions ready to be lent.

  • Transparent

    Straight forward borrowing process with no hidden fees.

Loan Products

Flip Loan

Loan Amount
€ 20 000 - € 3 000 000
Loan Period
1 - 36 months
Interest From
7% p.a.
Maximum Loan-To-Value
75%
EstateGuru fee
3%

Mezzanine Loan

Loan Amount
€ 20 000 - € 3 000 000
Loan Period
1 - 60 months
Interest From
10% p.a.
Maximum Loan-To-Value
75%
EstateGuru fee
3%

Development Loan

Loan Amount
€ 20 000 - € 3 000 000
Loan Period
1 - 36 months
Interest From
7% p.a.
Maximum Loan-To-Value
75%
EstateGuru fee
3%

Sale Advanced Loan

Loan Amount
€ 20 000 - € 3 000 000
Loan Period
1 - 60 months
Interest From
5% p.a.
Maximum Loan-To-Value
75%
EstateGuru fee
3%

Bridge Loan

Loan Amount
€ 20 000 - € 3 000 000
Loan Period
1 - 36 months
Interest From
0.6% per month
Maximum Loan-To-Value
75%
EstateGuru fee
3%

Auction Financing

Loan Amount
€ 20 000 - € 3 000 000
Loan Period
1 - 60 months
Interest From
5% p.a.
Maximum Loan-To-Value
75%
EstateGuru fee
3%

Our last funded loans

Veskimöldre commercial land plots bridge loan - 1.stage Alliku küla, Estonia

  • TARGET
    € 295,000
  • INTEREST RATE
    11.0%
  • LTV
    38%
  • LOAN PERIOD
    12 months
  • The raised capital will be used to acquire a part of a land plot with a very good logistics and visibility location from which, according to the current detailed plan, three commercial land properties are formed. The funds are also used to for predevelopment costs.
  • As a loan collateral, the company offers the land plot by Tallinn border (17822/80200 sized co-ownership of the land plot in Harju county), which is owned and used under the operating agreement by the loan grantor.
  • The borrower has a long-term experience in real estate development.
  • The borrower will be paying monthly interest payment partially, meaning that 50% of the amount is paid monthly and 50% will accumulate to the end of the loan term period.
  • After the commercial plots will be formed, lease contracts signed and building permits issued, the loan will be refinanced with the bank's construction loan in 12 months term.
  • EstateGuru security agent will have the 1.rank mortgage on behalf of the lenders.
  • The borrower's parent company guarantees the loan's interest payments (including the possible penalties and compensations) and the loan's principal amount is guaranteed by the seller's repurchase obligation.
  • The borrower is adding 1% bonus annual interest for investors committing more than €10,000 (12%).

Pamiškės development loan Avižieniai, Lithuania

  • TARGET
    € 117,000
  • INTEREST RATE
    10.0%
  • LTV
    65%
  • LOAN PERIOD
    12 months
  • The loan is used to finish the construction of the semi-detached house and prepare the house for sale.
  • As a loan collateral, the borrower provides house with a land plot near Vilnius.
  • The Borrower has long-term experience in real estate and construction.
  • The loan will be returned from the revenue of the collateral property sale in 12 months period.
  • Member of the Board of the Borrower is providing a personal guarantee in full mortgage amount.
  • EstateGuru security agent will have the 1.rank mortgage on behalf of the lenders.

A.Haava 7 reconstruction loan - 1.stage Tartu, Estonia

  • TARGET
    € 200,000
  • INTEREST RATE
    11.5%
  • LTV
    56%
  • LOAN PERIOD
    12 months
  • The loan is used to refinance the current outstanding liabilities (more expensive construction loan) and to continue with the construction works.
  • As a loan collateral, the company offers 5 apartment ownerships in an apartment building in Tartu City Centre.
  • The borrower has long-term experience in real estate development. In the previous years, more than 100 apartments have been built in Tartu and the nearby area.
  • The loan is repaid from the sales revenue of the apartments in 12 months term.
  • Member of the board of the borrower is providing a personal guarantee in full mortgage amount.
  • EstateGuru security agent will have the 1. rank mortgage on behalf of the lenders.

Kaunas bridge loan Kaunas, Lithuania

  • TARGET
    € 1,097,400
  • INTEREST RATE
    10.5%
  • LTV
    62%
  • LOAN PERIOD
    6 months
  • Sales advance loan, to finish other projects of developer;
  • As a collateral the Borrower provided 12 apartaments in Kaunas Old Town;
  • The borrower plans to cover the loan from the sales of their other developed projects;
  • EstateGuru security agent will have 1. rank mortgage on behalf of the lender.

Veskimöldre II development - 1.stage refinancing loan Tallinn, Estonia

  • TARGET
    € 350,000
  • INTEREST RATE
    11.0%
  • LTV
    56%
  • LOAN PERIOD
    12 months
  • The capital raised will be used to refinance the current outstanding EstateGuru loan and to prepare the development project. 
  • The borrower will reduce the principal amount of the refinanced loan for €30 000 and repay fully the accumulated interest.
  • The loan is secured by six undeveloped land plots (residential land) in Laagri borough. Plots and infrastructure in the region have been developed, and all construction work is completed.
  • The active sales campaign started at Veskimölder in the spring of 2017, and today the construction of the first houses has begun. The planned infrastructure, i.e. illuminated asphalt pavements, will be completed in the autumn of 2017. The first detached houses will be completed in the first half of 2018.
  • The loan will be returned from the revenues received from the sale of the plots or by refinancing the loan in 12 months term.
  • EstateGuru security agent will have the 1.st rank mortgage on behalf of the lenders.
  • Considering the remaining "Veskimöldre II development - 2.stage" loan amount, the LTV (Loan-to-Value) ratio will be 56%

Hansu st development loan - 1.stage Tallinn, Estonia

  • TARGET
    € 310,000
  • INTEREST RATE
    11.0%
  • LTV
    62%
  • LOAN PERIOD
    13 months
  • Loan is used to purchase the development plot and to begin with the construction works.
  • As a loan collateral, the company offers a land plot (with a detailed plan for a residential development) in Haabersti district, Tiskre, Tallinn.
  • The loan is repaid from the sale of the detached house in 13 months’ term.
  • Member of the Board of the Borrower is providing a personal guarantee in full mortgage amount.
  • EstateGuru security agent will have the 1. rank mortgage on behalf of the lenders.

Uusküla development refinancing loan Uusküla, Estonia

  • TARGET
    € 75,000
  • INTEREST RATE
    11.75%
  • LTV
    51%
  • LOAN PERIOD
    12 months
  • The loan will be used to refinance the current outstanding EstateGuru loan and to start the preparation for the development. The borrower aims to sell the plots or start with the construction of residential houses.
  • The borrower has succesfully sold land plots and by that partially repaid the previous loan principle with the accrued interest.
  • As loan collateral, the borrower is offering unimproved land plots in Jõelähtme parish, Uusküla.
  • EstateGuru security agent will have the 1st rank mortgage on behalf of the lenders.
  • The loan will be repaid either from the sale of the plots or by refinancing the loan within a 12 month period.
  • LTV (Loan-to-Value) ratio is 51%
  • Member of the Board of the Borrower is providing a personal guarantee of the full mortgage amount.

A.H. Tammsaare st 93 business loan Tallinn, Estonia

  • TARGET
    € 200,000
  • INTEREST RATE
    10.0%
  • LTV
    58%
  • LOAN PERIOD
    24 months
  • The loan is used to release equity with a purpose to increase the operating capital of the company.
  • As a loan collateral, the company offers a part of a commercial building in Mustamäe district in Tallinn, which includes a 635.7m2 shopping centre.
  • The ratio of the loan amount and the collateral commercial building net area is 315 €/m2.
  • The loan is repaid from refinancing, from the sale of the loan collateral premises or from incoming revenues of borrower’s other business activities in 24 months’ term.
  • The loan interest payments will be serviced from the collateral property rental income and other business activities of the borrower.
  • Member of the Board of the Borrower is providing a personal guarantee in full mortgage amount.
  • EstateGuru security agent will have the 1. rank mortgage on behalf of the lenders.

Our clients about us

Ingmar Saksing,
LVM Kinnisvara

Marko Lind, RS Kinnisvaragrupp OÜ

Tõnu Toompark, MA Adaur Grupp OÜ / www.adaur.ee

Call us on +372 641 2777 or leave a message below. We will contact you within 24 hours!

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Enter the total market value of all the properties you’re providing as security

How much do you want to borrow? €50 000 - €5 000 000

We’ll lend up to 75% of the value of your security.

Loan amount should be more than 50,000€

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