EstateGuru historical statistics

Updated: 08.02.2022

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.

€516,317,368

Total loans funded
59.83%

Average loan to value (LTV)

3,207

Number of loans funded

€160,997

Average loan size

11.24%

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
€279,069,343 53.44 %
Funded
€188,161,717 36.03 %
Late
€24,797,688 4.75 %
In Default
€14,866,891 2.85 %
Fully Recovered
€13,459,625 2.58 %
Partially Recovered
€1,817,947 0.35 %
Written Off
€40,121 0.01 %
€13,459,625

Total recovered amount

9.53%

Average return of recovered loans

8.9 months

Average term from default to recovery

47.52%

Recovery rate (portfolio)

0.01%

Total written off

N/A

Historical default

Monthly loan repayment amounts

Historical loans by country

Estonia
€222,849,236 43.16%
Lithuania
€90,987,849 17.62%
Germany
€79,343,126 15.37%
Latvia
€63,146,113 12.23%
Finland
€54,326,044 10.52%
Spain
€3,065,000 0.59%
Sweden
€1,750,000 0.34%
Portugal
€850,000 0.16%

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 Fully recovered Repaid Actual return Weighted return
2022
€20,335,072
124 Loans
€20,335,072
124 Loans
€0
0 Loan
€0
0 Loan
€0
0 Loan
10.90%
8.96%
2021
€202,797,652
1,072 Loans
€150,748,951
757 Loans
€19,170,146
54 Loans
€94,900
1 Loan
€29,951,272
261 Loans
10.86%
9.68%
2020
€120,305,673
824 Loans
€17,030,922
85 Loans
€14,881,035
46 Loans
€2,808,000
20 Loans
€86,766,926
693 Loans
11.18%
10.95%
2019
€80,370,394
583 Loans
€39,500
1 Loan
€5,956,211
40 Loans
€3,010,211
25 Loans
€72,929,136
542 Loans
11.61%
10.83%
2018
€53,004,608
354 Loans
€7,272
1 Loan
€1,115,030
13 Loans
€5,063,919
31 Loans
€51,466,357
340 Loans
12.02%
10.80%
2017
€22,992,923
147 Loans
€0
0 Loan
€360,104
5 Loans
€2,048,164
16 Loans
€21,601,091
142 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
11.24%
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
€218,858,071 42.39%
Development loan
€191,141,028 37.02%
Business loan
€106,318,269 20.59%

Collateral types

Each EstateGuru investment opportunity is backed by real estate. We are currently holding €417,566,525 in collaterals, of which 97.77% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.

Residential
€272,453,561 52.77%
Land and buildings under construction
€127,546,019 24.70%
Commercial
€116,317,788 22.53%

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.