EstateGuru historical statistics

Updated: 24.09.2021

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.

€425,197,348

Total loans funded
59.72%

Average loan to value (LTV)

2,695

Number of loans funded

€157,773

Average loan size

11.33%

Historical return

14.0 months

Average loan term of issued loans

11.4 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
€244,525,292 56.76 %
Funded
€140,215,242 32.55 %
Late
€20,643,325 4.79 %
In Default
€13,837,127 3.21 %
Recovered
€11,544,906 2.68 %
Written Off
€11,840 0.00 %
€11,544,906

Total recovered amount

10.19%

Average return of recovered loans

7.5 months

Average term from default to recovery

45.48%

Recovery rate (portfolio)

0.00%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€198,591,315 46.71%
Lithuania
€74,725,690 17.57%
Latvia
€54,699,461 12.86%
Germany
€48,789,301 11.47%
Finland
€43,556,581 10.24%
Spain
€2,235,000 0.53%
Sweden
€1,750,000 0.41%
Portugal
€850,000 0.20%

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
€95,061,899
496 Loans
€86,126,665
426 Loans
€1,129,833
7 Loans
€0
0 Loan
€7,290,470
63 Loans
11.04%
10.03%
2020
€120,305,673
824 Loans
€45,479,039
264 Loans
€14,405,997
66 Loans
€1,209,000
7 Loans
€57,922,366
494 Loans
11.18%
10.95%
2019
€80,370,394
583 Loans
€2,779,590
30 Loans
€6,505,237
48 Loans
€2,203,711
18 Loans
€69,215,306
504 Loans
11.61%
10.83%
2018
€53,004,608
354 Loans
€10,632
1 Loan
€1,674,818
22 Loans
€4,664,100
24 Loans
€50,828,338
331 Loans
12.02%
10.80%
2017
€22,992,923
147 Loans
€0
0 Loan
€1,083,405
8 Loans
€1,881,664
13 Loans
€21,434,591
139 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
11.39%
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
€180,948,126 42.56%
Development loan
€148,443,334 34.91%
Business loan
€95,805,888 22.53%

Collateral types

Each EstateGuru investment opportunity is backed by real estate. We are currently holding €344,571,218 in collaterals, of which 97.33% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€223,361,663 52.53%
Commercial
€103,961,764 24.45%
Land and buildings under construction
€97,873,921 23.02%

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.