Estateguru historical statistics
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
Average loan to value (LTV)
Number of loans funded
Average loan size
Historical return
Average loan term of issued loans
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 % |
Total recovered amount
Average return of fully recovered loans
Average term from default to fully recovered
Fully recovered rate (portfolio)
Total written off
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.
