Estateguru operates an electronic system in relation to lending (the “Platform“), which enables investors to enter into peer-to-peer (P2P) loans with borrowers.
There is no guarantee that you will get back your investment either as a whole or in part. There is a possibility of losing all of the funds invested through the Platform. Below we outline the measures that we take to mitigate these risks.
Estateguru is a crowdfunding service provider as defined in the Regulation on European Crowdfunding Service Providers (ECSP) for business ((EU) 2020/1503) and provides the possibility for potential lenders and borrowers to meet and enter into loan contracts over the Platform.
If you enter into a loan contract on the Platform, your capital is at risk. While Estateguru takes steps to mitigate this risk for the client’s providing loans over the Platform investors by taking measures to manage risk outlined below, you may not get all, or any, of your money back. Each loan contract is entered into between each investor and borrower of the loan and Estateguru will only act as an intermediary on behalf of the lenders in relation to the relevant loan contract.
While there is a number of risks associated with investing, the largest risk to you losing your investment is that of a borrower’s default – if the borrower is unable to make their loan repayments. Estateguru’s project selection processes aim to protect your investment against the risk of a defaulting borrower. When you invest through the Platform, your money is lent borrowers seeking financing, who have passed a due diligence process implemented by Estateguru. Please read and make sure you understand the associated risks with your investment, detailed below.