Bulkestate Review

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Bulkestate Review

Investors [05.2020] Investments [05.2020] Founded Country
mintos investors? mintos investments+23’870 mintos creation dateDec. 2016 estonia flagEstonia

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Average rating 4 / 5. Vote count: 1

Bulkestate is a European P2P lending platform specialized in Real Estate Crowdlending. The platform operates in a model where it issues loans to borrowers (only companies, no private owners) and then offers them to investors in the marketplace. Bulkestate has a focus on funding new development or re-development projects as well as structuring group buying deals to acquire small size real estate (such as one apartment) at wholesale prices (sales price of an entire building).

When investing with this platform, as an investor you will have information on investments such as:

  • ROI (return on investments): that has an average of 14.75% ROI
  • LTV (Loan to value): which is the size percentage of the loan compared to the total price of the real estate asset: with an average of 54.98% LTV
  • Collateral: which is what is used as a warranty for the investments (it is usually a mortgage or sometimes equity)

Investments are available in multiple countries (Latvia, Estonia, Finland, Ukraine) and transactions are done in EUR. The platforms accept investors from most of the countries.

A great feature from Bulkestate is that for each investment, an advisor is available and can be contacted to ask any questions and bring transparency on investments.

advisor-p2p-lending

Figure: Bulkestate Advisor per project

How it works:

  • Borrowers apply for a loan directly on the website of Bulkestate.
  • Bulkestate evaluates the risk of each application, define an interest rate, and lend money to the borrower.
  • The loans are then listed on the marketplace, where investors can find general information  such as loan details (e.g. ROI, term, amount)
  • Investors select loans on the marketplace, select the investment amount
  • The platform provides monthly interests to the investor and returns the invested amount to the investor at loan term

Performances:

This p2p lending platform provides loans generating an average of 14.75% ROI and proposes investments with a term from 3 to 24 months.

Pros & Cons

Pros Cons
+ High-interest rates (~15%)
+ Possibility to talk to an advisor for each investment
+ Auto-invest available
– No BuyBack guarantee (guarantee money back)
– Limited number of monthly return loans
– Secondary market not available (for early exit)

Bulkestate investment details

Investment currencies EUR
Return on investment (ROI) 14.75% rank 3/5
Minimum investment € 50
Investment period 3 months – 2 years rank 3/5
Default rate 0% rank 5/5
Investment fees 0% rank 5/5
BuyBack guarantee No
Auto-invest Yes check
Secondary market No
 Trustpilot Score (Safety) 3.4/5 [05.2020]

Investment types

real estate loansReal-estate loans

Investment example

investment-example-bulkestate

Investment result forecast

Below you will find the resulting forecast when investing using Bulkestate compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing €1’000 using Bulkestate for 15 years you might end up with €4’785 (€2’388 more than with the stock market).

Bulkestate bonus and cashback

Register on Bulkestate by clicking the button below.

Bulkestate competitors

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