Estateguru historical statistics

Updated: 05.07.2022

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.

€595,495,681

Total loans funded
60.14%

Average loan to value (LTV)

3,880

Number of loans funded

€153,478

Average loan size

11.07%

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
€307,858,154 52.48 %
Funded
€185,129,369 31.56 %
Late
€58,605,565 9.99 %
Fully Recovered
€17,657,625 3.01 %
In Default
€13,216,809 2.25 %
Partially recovered repaid amount
€2,394,170 0.41 %
Partially recovered outstanding amount
€1,684,347 0.29 %
Written Off
€40,121 0.01 %
€20,051,795

Total recovered amount

9.21%

Average return of fully recovered loans

10.5 months

Average term from default to fully recovered

57.19%

Fully recovered rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€250,202,175 42.02%
Lithuania
€105,212,533 17.67%
Germany
€96,187,584 16.15%
Latvia
€73,673,066 12.37%
Finland
€62,630,689 10.52%
Spain
€4,114,000 0.69%
Sweden
€1,750,000 0.29%
Portugal
€1,725,000 0.29%

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 Partially recovered Written Off Fully recovered Partially repaid Repaid Actual return Weighted return
2022
€99,267,316
792 Loans
€85,421,305
698 Loans
€9,005,900
46 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€1,200,597
40 Loans
€3,884,856
48 Loans
10.40%
10.10%
2021
€202,797,652
1,072 Loans
€94,331,797
489 Loans
€45,070,111
127 Loans
€1,850,000
3 Loans
€0
0 Loan
€0
0 Loan
€124,900
2 Loans
€5,495,743
60 Loans
€55,925,101
446 Loans
10.86%
9.68%
2020
€120,305,673
824 Loans
€5,371,926
25 Loans
€4,520,054
13 Loans
€7,858,472
24 Loans
€128,993
1 Loan
€0
0 Loan
€5,686,000
28 Loans
€1,722,709
17 Loans
€95,017,519
725 Loans
11.40%
10.95%
2019
€80,370,394
583 Loans
€0
0 Loan
€9,500
1 Loan
€2,972,337
15 Loans
€1,105,202
11 Loans
€0
0 Loan
€3,140,211
26 Loans
€2,409,221
21 Loans
€70,733,924
523 Loans
11.62%
10.83%
2018
€53,004,608
354 Loans
€4,341
1 Loan
€0
0 Loan
€536,000
6 Loans
€414,032
7 Loans
€28,280
1 Loan
€5,063,919
31 Loans
€555,627
8 Loans
€46,402,438
310 Loans
12.02%
10.80%
2017
€22,992,923
147 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€36,120
1 Loan
€11,840
1 Loan
€3,208,164
20 Loans
€183,880
1 Loan
€19,552,927
126 Loans
12.01%
10.76%
2016
€11,932,010
77 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€210,431
2 Loans
€0
0 Loan
€11,721,581
76 Loans
13.56%
10.52%
2015
€4,403,450
23 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€224,000
1 Loan
€0
0 Loan
€4,179,450
22 Loans
11.52%
10.67%
2014
€19,100
1 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€19,100
1 Loan
11.07%
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
€242,483,243 40.72%
Development loan
€237,005,862 39.80%
Business loan
€116,005,942 19.48%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €437,526,234 in collaterals, of which 97.85% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€321,602,187 54.01%
Land and buildings under construction
€146,638,466 24.62%
Commercial
€127,254,394 21.37%

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.