EstateGuru runs a digital peer‑to‑peer platform that connects European property developers with investors seeking short‑term, asset‑secured real‑estate debt. The service automates credit and collateral assessment, issues fixed‑rate loans recorded on a secure ledger, and provides investors with portfolio analytics and a secondary market for loan positions. Revenue is generated through loan origination and ongoing servicing fees.
Funding
Funding not disclosed
Founders
Product
Problem
Investors seeking low‑volatility, asset‑backed returns often lack direct access to secured real‑estate debt, while property developers struggle to obtain short‑term financing without navigating traditional bank processes or costly intermediaries.
Solution
EstateGuru operates an online peer‑to‑peer marketplace that matches qualified investors with European property developers needing short‑term, asset‑secured loans. The platform conducts automated credit and collateral assessments, issues loans with predefined interest rates, and records the transactions on a secure digital ledger. Investors receive diversified exposure to a pool of real‑estate‑backed debt instruments, while developers obtain rapid funding without conventional bank underwriting delays. Ongoing loan performance data are provided through a web dashboard, enabling transparent monitoring and secondary‑market trading of loan positions.
Target Audience
The primary users are European property developers needing short‑term, secured financing, and retail or institutional investors looking for low‑correlation, asset‑backed debt exposure.
Features
- End‑to‑end digital loan origination workflow with automated borrower verification and property‑valuation integration
- Asset‑backed loan contracts secured by registered real‑estate liens, with defined interest rates and fixed maturities
- Investor portal offering portfolio analytics, risk scoring, and real‑time performance dashboards
- Secondary market functionality that allows investors to sell loan portions to other participants at market‑determined prices
- Compliance engine that enforces EU regulatory requirements (MiFID II, AML/KYC) and generates audit‑ready documentation
- API access for third‑party fintech services to integrate loan listings and investor data
- Automated servicing module handling interest payments, principal repayments, and default management
- Secure data storage with encryption at rest and in transit, adhering to GDPR standards