Estateguru historical statistics

Updated: 04.10.2022

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.

€131,175,920

Total loans funded
49.16%

Average loan to value (LTV)

1,206

Number of loans funded

€108,769

Average loan size

40.70%

Historical return

12.0 months

Average loan term of issued loans

1.2 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.

Late
€121,112,559 86.68 %
Funded
€8,608,271 6.16 %
Repaid
€6,821,048 4.88 %
In Default
€1,148,550 0.82 %
Partially recovered outstanding amount
€802,924 0.57 %
Fully Recovered
€424,954 0.30 %
Written Off
€424,063 0.30 %
Partially recovered repaid amount
€382,479 0.27 %
€807,433

Total recovered amount

5.57%

Average return of fully recovered loans

2.4 months

Average term from default to fully recovered

27.01%

Fully recovered rate (portfolio)

0.30%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€111,096,482 82.09%
Latvia
€12,376,282 9.15%
Spain
€2,896,370 2.14%
Finland
€2,723,192 2.01%
UK
€1,399,900 1.03%
Germany
€1,297,500 0.96%
Sweden
€1,075,000 0.79%
Belgium
€760,000 0.56%
Netherlands
€630,000 0.47%
Lithuania
€566,984 0.42%
Portugal
€480,000 0.35%
Bulgaria
€30,000 0.02%

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
€23,831,552
339 Loans
€6,153,050
75 Loans
€13,432,761
158 Loans
€50,481
2 Loans
€0
0 Loan
€20,296
2 Loans
€0
0 Loan
€1,783,153
73 Loans
€548,811
14 Loans
18.46%
9.78%
2021
€21,114,329
270 Loans
€3,651,685
10 Loans
€12,879,447
99 Loans
€477,006
9 Loans
€802,924
8 Loans
€288,763
26 Loans
€424,954
9 Loans
€2,203,428
55 Loans
€2,016,804
35 Loans
26.57%
11.33%
2020
€39,316,431
315 Loans
€0
0 Loan
€27,029,457
221 Loans
€322,250
2 Loans
€0
0 Loan
€96,004
7 Loans
€0
0 Loan
€2,370,416
68 Loans
€3,853,587
40 Loans
77.44%
10.29%
2019
€16,841,588
68 Loans
€0
0 Loan
€6,679,388
42 Loans
€159,583
2 Loans
€0
0 Loan
€9,000
1 Loan
€0
0 Loan
€1,337,010
9 Loans
€30,000
1 Loan
5.82%
10.93%
2018
€15,457,247
83 Loans
€100,000
1 Loan
€13,422,390
68 Loans
€129,230
1 Loan
€0
0 Loan
€10,000
1 Loan
€0
0 Loan
€983,364
9 Loans
€100,000
1 Loan
16.86%
11.07%
2017
€18,086,682
80 Loans
€38,883
1 Loan
€12,867,762
59 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€694,620
6 Loans
€0
0 Loan
50.97%
11.20%
2016
€2,617,381
51 Loans
€0
0 Loan
€34,801,354
39 Loans
€10,000
1 Loan
€0
0 Loan
€0
0 Loan
€0
0 Loan
€48,126
5 Loans
€95,000
4 Loans
22.87%
12.03%

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
€96,937,565 70.62%
Business loan
€28,503,714 20.77%
Development loan
€9,448,111 6.88%
Refinancing loan
€1,270,496 0.93%
Sale advanced loan
€205,324 0.15%

Collateral types

Each Estateguru investment opportunity is backed by real estate. We are currently holding €581,216,146 in collaterals, of which 94.78% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€98,484,894 71.75%
Commercial
€33,462,775 24.38%
Land and buildings under construction
€5,317,541 3.87%

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.