All New Estateguru Loan Projects Now Receive Moody's Rating

Estateguru, in cooperation with Moody's, a leading international risk analysis agency, now provides a credit risk-based rating for each loan project offered on the crowdfunding platform, which helps investors better assess the value and risk level of projects.

Moody's Analytic tool is an internationally recognized credit risk assessment system used by the financial sector to evaluate the creditworthiness of companies, governments, and other entities.

"For us, it is very important to ensure that crowdfunding investors have access to the best possible information. Moody's Analytic tool provides another important perspective for assessing the reliability of each project and making informed investment decisions," said Estateguru CEO Mihkel Stamm, adding that the adoption of such a highly valued assessment methodology makes it possible for strong institutional investors to invest in the projects offered by Estateguru.

Moody's rating is displayed in a prominent location to Estateguru registered users next to each project. The methodology takes into account various factors, including the project location, value, cash flow, type of collateral, loan terms (including maturity and interest rate), and other relevant credit inputs.

"The credit risk score for loan projects offered to funders on the Estateguru portal ranges from Aaa to B1, reflecting a wide spectrum of risk profiles, and the probability of project default according to Moody's risk assessment model does not exceed the 5% threshold. New projects with higher risk than the described indicators have not been offered by Estateguru since the end of July," explained Mihkel Stamm regarding the changes brought about by the newly implemented additional credit risk assessment methodology.

Estateguru is a leading pan-European platform that offers real estate collateralized loans to small and medium-sized enterprises and carefully selected investment opportunities to the international investor community. By bringing together different service providers, small and medium-sized enterprises, and investors on a single marketplace, we can offer something unique – a seamless, cross-border, and digital service to borrowers and investors. The team consists of over 78 professionals from 12 different nationalities in Helsinki, London, Tallinn (HQ), Riga, Vilnius, and Berlin.

Moody's is a globally recognized provider of credit ratings, research, and risk analysis that equips financial, non-financial, and government entities with effective tools to understand various risks. With over a century of experience and 13,000 employees in more than 40 countries, Moody's combines a global presence with local expertise and over a century of financial market experience.