Estateguru

What Estateguru does

Estateguru OÜ is a Tallinn-headquartered European property-backed peer-to-peer lending platform that connects SME borrowers across Europe with retail and institutional investors seeking real estate-collateralized income. The company was founded in Estonia in 2008 and operates in eight countries (Estonia, Latvia, Lithuania, Finland, Germany, Portugal, Spain, and Sweden), with Spain and Sweden currently closed markets and additional offices in Riga, Vilnius, and Manchester. The platform has facilitated €959M+ in cumulative lending across 7,932 funded loans to 160,063 registered investors as of July 2026.

The platform is built around four investor-facing modules: EG Grow, a fixed-income product offering a 7% annual return with monthly payouts; Auto Invest, an automated preference-matching tool; Manual Invest, a self-directed primary market for hand-picking individual loans; and Trade, a secondary market for buying and selling loan positions. All loans are secured by real estate mortgages held in favor of investors, with a maximum LTV of 75% and an average LTV of 58%. A dedicated security agent entity (Tagatisagent OÜ, registration code 12766368) holds mortgages and manages collateral recovery on behalf of investors. Borrower interest rates start from 0.6% per month, and the platform is accessible via web and native iOS/Android applications.

Estateguru generates revenue primarily through loan origination fees, the interest rate spread between borrower and investor yields, and secondary market transaction fees. It operates under an EU crowdfunding service provider license issued by Estonia's Finantsinspektsioon under Regulation (EU) 2020/1503, with additional regulatory oversight from the Bank of Lithuania and FIN-FSA in Finland. The company maintains wholly owned regional subsidiaries (Estateguru Lietuva UAB, Estateguru Finland Oy) and integrated payment processing through LHV and Lemonway. Historical fundraising totals approximately €15M+ across multiple rounds since 2015, with the largest being a €5.8M Series A in September 2021 led by TMT Investments.

Name

Estateguru

Legal name

Estateguru OÜ

Website

https://estateguru.co

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Estateguru is a Tallinn-based European peer-to-peer lending platform that connects SME property borrowers with retail investors through mortgage-secured loans, operating across eight markets with €959M+ in cumulative lending.

Ownership category

akta.pro rank

Product category

Real Estate Peer-to-Peer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Peer-to-peer lending
• Real estate crowdfunding
• Property-backed loans
• Mortgage-backed investing
• SME property financing

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Loanorigination_fees: Fees charged to borrowers for arranging and facilitating property-backed loans through the platform. Borrower interest rates start from 0.6% per month.
2. Interest rate spread: Difference between borrower interest rates and investor returns, generating platform revenue from loan margin.
3. Secondary market transactions: Platform may earn fees on secondary market trades when investors buy or sell loan positions.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Estateguru operates a European regulated crowdfunding platform that connects retail investors with SME borrowers through property-backed, mortgage-secured loans. The platform manages the entire loan lifecycle from origination and risk assessment to collateral enforcement, while offering investors automated and self-directed investment products plus a secondary market for liquidity. Revenue is generated primarily through borrower interest rate spreads and origination fees.

Product overview

Estateguru operates as a multi-module property-backed P2P lending platform serving both investors and borrowers across Europe. The platform consists of a suite of investment products—EG Grow (fixed 7% return product), Auto Invest (automated portfolio management), Manual Invest (self-directed primary market investing), and Trade (secondary market for liquidity)—alongside borrower-facing financing services and a mobile application. All loans on the platform are secured by real estate with mortgages held in favor of investors, while the platform itself is regulated by Finantsinspektsioon in Estonia and supervised by the Bank of Lithuania and FIN-FSA in Finland.

Differentiator

Problem solved

Functional benefit

Brands

• EG Grow: A fixed income investment product offering 7% annual returns with monthly interest payments, secured by real estate collateral.
• Auto Invest
• Manual Invest
• Trade

Products and services

• EG Grow A fixed-income investment product offering a guaranteed 7% annual return with monthly interest payouts, secured by real estate collateral. Targeted at retail investors who want passive exposure to mortgage-secured income without manual project selection.
• Auto Invest Automated investment tool that lets investors set preferences once, after which the platform allocates funds to matching loans without manual intervention. Suited for retail investors seeking hands-off diversification across property-backed loans.
• Manual Invest Primary market investment option allowing investors to hand-pick individual property-backed loan projects with full transparency and control over selections. Aimed at experienced retail investors.
• Trade (Secondary Market) Secondary market functionality that enables investors to buy or sell existing loan investments, providing liquidity for otherwise illiquid positions. Open to registered investors on the platform.
• Property-Backed SME Loans Property-secured loan products for small and medium enterprises across Europe, with interest rates starting from 0.6% per month, maximum 75% loan-to-value ratio, and faster approval than traditional banks. Targets SMEs needing bridge, development, or growth financing.
• Estateguru Mobile App iOS and Android mobile application providing investors with on-the-go access to browse open loans, invest, and manage portfolios. Distributed via Apple App Store and Google Play Store.
• Estateguru Platform The underlying crowdfunding platform that connects European SME borrowers with retail investors through property-backed, mortgage-secured loans, with end-to-end loan lifecycle management and regulatory oversight.

Quantifiable outcome

• €100M+ returned to investors as of July 2026
• +4 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• LHVcoreTechnology or IntegrationEuropean payment institution partner handling payment processing for EstateGuru platform. Provides secure fund transfers and escrow services for investor money.
• LemonwaycoreTechnology or IntegrationEuropean payment institution accredited in France by ACPR (CIB 16568). Provides payment services for EstateGuru in certain markets including Lithuania.
• Tagatisagent OÜcoreTechnology or IntegrationSecurity agent (registration code 12766368) holding mortgages on behalf of investors. Enforces collateral and manages recovery processes in case of borrower default.
• European Crowdfunding Network (ECN)minorStrategic or Co-development PartnerIndustry association membership for European crowdfunding platforms. Showcases platform credibility and industry collaboration.
• Finance EstoniaminorStrategic or Co-development PartnerEstonian fintech industry association membership. Supports Estonian fintech ecosystem and regulatory engagement.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Linked Finance: Ireland-based P2P business lending platform serving SMEs with invoice and asset-backed products, overlapping with Estateguru on European SME funding originations and marketplace technology.
• LendInvest: UK-based digital property lender and P2P platform originating and servicing short-term property-backed loans to SMEs and individual investors — the closest direct competitor to Estateguru in terms of product, asset class, and digital marketplace model.
• Assetz Capital: UK P2P platform focused on property-backed lending to SMEs and property developers, directly comparable to Estateguru's mortgage-secured SME loan book and manual-invest model.
• Blend Network: UK-based P2P platform specializing in property development and bridging finance funded by retail investors — closely mirrors Estateguru's developer/SME bridge loan focus and asset class.
• Housers: Spanish-headquartered European real estate crowdfunding platform connecting retail investors with property projects, overlapping with Estateguru's pan-European property-backed marketplace model.
• Reinvest24: Estonian-founded European P2P platform for property-backed investments with broad geographic reach, a direct regional peer with similar Baltic origins and real estate focus.
• Crowdestate: Estonian P2P real estate crowdfunding platform originating property-backed loans for retail investors, the closest home-market competitor in Estonia and the Baltics.
• CapitalRise: UK real estate investment platform providing property-backed financing to SME developers via curated investor pools, comparable to Estateguru's manual-invest, project-by-project model.

Broad incumbents

• Mintos: Latvia-headquartered multi-asset P2P lending marketplace offering consumer, business, and real estate loans — a broader incumbent that competes in adjacent lending categories and overlapping European retail investor base.
• Funding Circle: UK-listed SMB lending marketplace originating unsecured and asset-backed loans to small businesses, a larger incumbent in European SME online lending that competes for the same borrower pool though without the property-collateral focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/estate_guru
• Facebookfacebook.com/estateguruco
• LinkedInlinkedin.com/company/estateguru-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds10 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Estateguru