Bulkestate Review - The Home Bankers' Club

Investors [05.2020]	Investments [05.2020]	Founded	Country
?	+23’870	Dec. 2016	Estonia

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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 Latvia (mostly in Riga) and transactions are done in EUR. The platforms accept investors from most of 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 to 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 payment of interests and principals repayment to the investor mostly at loan term (only limited investments have monthly interests repayments).

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.

Multiple projects offer a bonus to investors who invest a big amount (2% for amounts larger than € 25,000, 1% for amounts larger than € 10,000).

Safety:

The team behind Bulkestate is mostly composed of real estate experts. They have a large experience with due diligence and approval processes.

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) – Small number of monthly return loans – Secondary market not available (for early exit)

Bulkestate investment details

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

Investment types

Real-estate loans

Investment example

investment-example-bulkestate-detail

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).

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