EstateGuru historical statistics

Updated: 16.06.2021

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.

€375,415,965

Total loans funded
59.69%

Average loan to value (LTV)

2,435

Number of loans funded

€154,175

Average loan size

11.39%

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
€210,370,626 55.65 %
Funded
€132,857,638 35.15 %
In Default
€12,915,755 3.42 %
Late
€11,925,970 3.15 %
Recovered
€9,952,906 2.63 %
Lost
€0 0.00 %
€9,952,906

Total recovered amount

9.85%

Average return of recovered loans

7.8 months

Average term from default to recovery

43.52%

Recovery rate (portfolio)

0.00%

Total loss of capital

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€184,802,735 49.23%
Lithuania
€66,515,790 17.72%
Latvia
€49,139,075 13.09%
Finland
€39,309,831 10.47%
Germany
€30,813,534 8.21%
Spain
€2,235,000 0.60%
Sweden
€1,750,000 0.47%
Portugal
€850,000 0.23%

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.

Loan funded Outstanding loans Repaid Actual return Weighted return Late + default
2021
€68,264,606
359 Loans
€65,222,476
328 Loans
€2,054,540
28 Loans
11.00%
10.09%
€196,000
3 Loans
2020
€120,305,673
824 Loans
€56,571,017
361 Loans
€45,858,310
402 Loans
11.18%
10.95%
€14,239,770
61 Loans
2019
€80,370,394
583 Loans
€4,679,482
50 Loans
€66,785,276
484 Loans
11.61%
10.83%
€6,489,787
49 Loans
2018
€53,004,608
354 Loans
€116,715
3 Loans
€50,398,338
328 Loans
12.02%
10.80%
€1,674,818
22 Loans
2017
€22,992,923
147 Loans
€0
0 Loans
€21,434,012
139 Loans
12.06%
10.76%
€1,546,500
8 Loans
2016
€11,932,010
77 Loans
€0
0 Loans
€11,932,011
77 Loans
13.56%
10.52%
€0
0 Loans
2015
€4,403,450
23 Loans
€0
0 Loans
€4,403,450
23 Loans
11.52%
10.67%
€0
0 Loans
2014
€19,100
1 Loans
€0
0 Loans
€19,100
1 Loans
11.42%
10.00%
€0
0 Loans

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
€161,092,759 42.91%
Development loan
€126,099,703 33.59%
Business loan
€88,223,503 23.50%

Collateral types

Each EstateGuru investment opportunity is backed by real estate. We are currently holding €298,975,004 in collaterals, of which 97.01% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€194,699,642 51.86%
Commercial
€92,363,814 24.60%
Land
€88,352,509 23.53%

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.