Gathering data

Estateguru Review

Estateguru Statistics

EE
  • Business name: Estateguru
  • Legal name: OÜ Estateguru
  • Jurisdiction: Estonia
  • Type: Crowdfunding
  • Average score:
    4.3 / 5
Promised annual return

11.4 %

Sneakypeer scoring

8.1

Transparency

65%

Secondary Info
  • Total invested: €542.1M
  • Buyback guarantee: No
  • Secondary market: Yes
  • Licensed: No
Loan Types
Business loans
Real estate loans
Development loans

Estateguru Description

General Information

EstateGuru is an Estonian crowdfunding platform, with a focus on Real estate and Mortgage loans. Founded in 2013, it has accumulated over 87000+ registered investors and raised over 386’000’000 in investments. A great platform is offering annual returns of 11% on property collateralized projects where LTV is averaged at 59%, slightly higher in comparison to competition within property crowdfunding.

Board & Team

There are two board members – Marko and Mihkel, who are presented as a ‘Partner’ and ‘Chief Operating Officer’ at EstateGuru. Marko Arro and Mihkel Stamm are both Estonian entrepreneurs, with education from Estonian Business School and Tartu Ulikool respectively.

Financial Analysis

The platform publishes its annual reports, historical loan books and statistical figures, which enable investors to do risk analysis and make sound investment decisions. Looking at the financial ratios of 2020, it can be said that EstateGuru had liquidity problems over the past years-2019 & 2020. It means the platform did not have enough short term assets to cover its short term obligations. The platform was both debt and equity financed and had high return on its assets.

Platform’s Score and Uniqueness

EstateGuru has a minimum investment of €50. A minimum as such is above market’s average, yet all projects are collateralized as properties are either mortgaged or developed. Both the secondary market and auto-invest are available features. An average project term is 11 months, but EstateGuru attracts investors with great annual returns of around 11%. Furthermore, EstateGuru has opened access to any EU investor. As an addition, EstateGuru uses a commercial bank as a general payment solution provider for investors, creating further safety.

Conclusion

EstateGuru was launched in 2013 in Estonia, with a focus on the Real Estate market. Up to now, EstateGuru has gained over 87’000 investors and phenomenally raised over € 386,300,000. With an average return of 11%, Investors are easily attracted to collateralized projects that Estateguru offers, with an addition of an average LTV of 59%. With an average loan term of repaid loans standing at 11.4 months, this can be a great investment opportunity with the right length span for any investor looking for a stable, high return perfectly matched with good quality investments. Additionally, EstateGuru offers services such as secondary markets and auto-invest, therefore creating diversity and flexibility of possible investments with favourable terms. To finish off, there is only a single con at present, where a feature of buyback guarantee is not offered by EstateGuru, but several significant advantages and reliable aspects include average investment commissions of 2% when selling claims via the secondary market function, along with every project being collateralized for investment security.