EstateGuru historical statistics

Updated: 02.12.2021

Since founding EstateGuru in 2014, we've helped property developers all over Europe borrow money quickly and easily, giving them access to reliable capital when they need it most. In parallel, our investors have earned market-leading returns on short-term property-backed loans.

€474,117,779

Total loans funded
59.85%

Average loan to value (LTV)

2,949

Number of loans funded

€160,772

Average loan size

11.27%

Historical return

14.0 months

Average loan term of issued loans

11.5 months

Average loan term of repaid loans

Loan portfolio

Our loan portfolio shows great historic stability and steady growth, while the recovery data and default rates remain industry-leading.

Repaid
€265,130,844 55.14 %
Funded
€173,322,634 36.04 %
In Default
€16,121,880 3.35 %
Late
€13,730,738 2.86 %
Recovered
€12,527,225 2.61 %
Written Off
€40,121 0.01 %
€12,527,225

Total recovered amount

9.40%

Average return of recovered loans

9.1 months

Average term from default to recovery

43.73%

Recovery rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€209,953,016 44.28%
Lithuania
€83,109,796 17.53%
Germany
€67,759,103 14.29%
Latvia
€58,976,935 12.44%
Finland
€49,278,929 10.39%
Spain
€2,440,000 0.51%
Sweden
€1,750,000 0.37%
Portugal
€850,000 0.18%

Historical performance

Loan funded amount is shown as a total cumulative number as of 31 December of the corresponding year. All other numbers are shown as current and are subject to change as repayments and recoveries occur.

Loans funded Outstanding loans Late + default Recovered Repaid Actual return Weighted return
2021
€181,089,621
940 Loans
€150,547,927
717 Loans
€6,285,600
20 Loans
€0
0 Loan
€22,413,369
203 Loans
10.88%
9.70%
2020
€120,305,673
824 Loans
€22,469,056
110 Loans
€14,957,530
57 Loans
€2,705,000
19 Loans
€81,415,180
657 Loans
11.18%
10.95%
2019
€80,370,394
583 Loans
€297,239
3 Loans
€6,770,473
45 Loans
€2,455,711
21 Loans
€72,060,286
535 Loans
11.61%
10.83%
2018
€53,004,608
354 Loans
€8,411
1 Loan
€1,295,030
14 Loans
€4,883,919
30 Loans
€51,286,357
339 Loans
12.02%
10.80%
2017
€22,992,923
147 Loans
€0
0 Loan
€543,983
5 Loans
€2,048,164
16 Loans
€21,601,091
142 Loans
12.06%
10.76%
2016
€11,932,010
77 Loans
€0
0 Loan
€0
0 Loan
€210,431
2 Loans
€11,932,011
77 Loans
13.56%
10.52%
2015
€4,403,450
23 Loans
€0
0 Loan
€0
0 Loan
€224,000
1 Loan
€4,403,450
23 Loans
11.52%
10.67%
2014
€19,100
1 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€19,100
1 Loan
11.27%
10.00%

What are loans used for?

We offer three types of short-term loans, each serving a specific niche need for our borrowers. Investors can choose which loan types they wish to support.

Bridge loan
€205,483,546 43.34%
Development loan
€167,781,110 35.39%
Business loan
€100,853,123 21.27%

Collateral types

Each EstateGuru investment opportunity is backed by real estate. We are currently holding €375,403,727 in collaterals, of which 97.57% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€249,833,712 52.69%
Commercial
€112,444,371 23.72%
Land and buildings under construction
€111,839,696 23.59%

Annual reports

Our detailed annual financial reports are independently audited by a third-party auditing firm and are available to download and study. Below is a list of available reports.