EstateGuru is a leading European P2P lending platform focused on real estate. Founded in 2014 and headquartered in Tallinn, Estonia, EstateGuru connects investors with real estate developers seeking funding for projects. The platform specializes in property-backed loans, offering a variety of investment opportunities such as business loans, bridge loans, and development loans. EstateGuru's unique selling points include its rigorous due diligence process, low loan-to-value (LTV) ratios, and the provision of collateral for all loans, enhancing security for investors. The platform also offers a secondary market for increased liquidity and an auto-invest tool for easy portfolio management.

Basic information

156860 investors

6656 projects funded

819269538.0 EUR funded amount

Licence/regulation: Estateguru licensed under European Crowdfunding Service Providers (ECSP) regulation

For Investors

Minium investement: 50 EUR

trending_down Default Rate: 16.77 %

Average Returns: 10.33% (Historical return)

Functionality

Autoinvest: Yes

Deal rating: Yes

Secondary market: Yes

Reward

Bonus equal to 0.5% of the investments you make

Receive a cashback bonus equal to 0.5% of the investments you make in the first 90 days following your registration. On top of that, you will also receive a €15 investment credit if you invest €500 or more in the same period. Don't miss out on this golden opportunity! Just click on get bonus and register!

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Useful Information

What Investments Does the EstateGuru Offer?

EstateGuru provides several types of loans, each serving distinct investment needs and backed by real estate collateral:

Development Loans:
- Description: These loans are used to finance the construction and development of real estate projects.
- Total Funded: €336,598,649 (41.43% of total loans)
Bridge Loans:
- Description: Short-term loans intended to bridge the gap until a longer-term financing solution is secured.
- Total Funded: €327,439,695 (40.31% of total loans)
Business Loans:
- Description: Loans provided to businesses for various purposes, often involving real estate as collateral.
- Total Funded: €148,319,590 (18.26% of total loans)

Country Distribution:

Estonia: €345,193,426 (42.49%)
Lithuania: €151,117,874 (18.60%)
Latvia: €109,121,801 (13.43%)
Germany: €103,807,532 (12.78%)
Finland: €91,753,101 (11.29%)
Portugal: €5,450,000 (0.67%)
Spain: €4,164,200 (0.51%)
Sweden: €1,750,000 (0.22%)

For more details, visit the EstateGuru statistics page.

What is the Risk When Investing on the EstateGuru?

Investing in EstateGuru carries significant risks, including a high default rate of 16.91% and potential project delays. While the platform implements low loan-to-value (LTV) ratios, thorough due diligence, and real estate collateral to mitigate these risks, the high default rate suggests challenges in loan performance. EstateGuru has a write-off rate of 0.01%, indicating some success in recovering funds, but investors should be aware of the substantial default risk when investing.

How Does the EstateGuru Work?

EstateGuru offers a straightforward investment process. Investors can choose from a range of property-backed loans, each secured by collateral. Loans are classified based on their risk level, and investors can use the auto-invest tool to automate their investments according to predefined criteria. The secondary market allows investors to trade their loans, providing an option for liquidity.