EstateGuru vs InRento: Property Lending Compared (2026)

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Capital at risk. Both platforms lend your money to property businesses. Loans can default, recoveries can take a long time and fall short, and neither platform is covered by a deposit-guarantee scheme. This is general information, not personalised advice.

The short answer: EstateGuru and InRento both lend investors' money against a first-rank mortgage on property, but they pay you differently. EstateGuru is an interest-only lender to Baltic developers and businesses, from €50 per loan, licensed in Estonia; you earn the loan's interest and nothing more. InRento funds rental properties from €500 per project, licensed in Lithuania; you earn a fixed interest rate funded by rent plus a capital-gain component at exit — either a fixed 1.5% a year or a 30% share of profit, depending on the project. EstateGuru suits smaller, more diversified portfolios; InRento suits investors who want some property upside and can commit larger tickets for longer. Figures below were read on each platform's own site on 7 November 2026.

Both platforms come up together because they sit at the same end of the P2P market: secured, licensed, property-backed lending rather than unsecured consumer loans with a buyback promise. They are not interchangeable, though, and the differences that matter are the ones a headline rate hides — how many loans your money can be spread across, what you get paid for, what it costs to leave early, and who supervises the operator.

EstateGuru vs InRento at a glance

Sources: EstateGuru homepage and price list (in force from 1 November 2025); InRento homepage and price list; all read 7 November 2026. Licence dates are from the regulators' own pages, linked in our EstateGuru review and InRento review.

How each one pays you

EstateGuru is a plain lender. A borrower — usually a developer or a business — takes a loan secured on property, pays interest over the term and repays the principal at the end. Your return is that interest, less the interest spread EstateGuru withholds (0–2%, stated per project) and less any loan that defaults and is not fully recovered. If the property rises in value, the borrower keeps the gain. EstateGuru also sells EG Grow, which its homepage describes as "a managed portfolio at a fixed 7% return, growing with reinvested income" — a stated product rate, not a deposit rate, and worth reading in full before treating it as fixed income.

InRento is a lender with a slice of the upside. Each project is a rental property. The borrower pays you a fixed interest rate out of the rent during the term, and at exit — when the property is sold or refinanced — you receive a capital-gain component on top. On the projects InRento showed on 7 November 2026 that component was either a fixed "1.5% annually" or "30% from profit". A fixed 1.5% a year behaves like extra interest paid at the end; a 30% profit share depends on the sale price and can be zero if the property does not rise. Legally you remain a secured lender, not a co-owner of the building.

The practical consequence: EstateGuru's return is capped at the loan's interest rate, while part of InRento's return depends on a future sale. Neither is guaranteed. The advertised "11.56%" average on InRento's homepage and the project rates of 7.75–11.5% are not like-for-like with EstateGuru's 7% EG Grow figure, because InRento's number includes capital-gain components that only crystallise at exit.

Minimums and diversification

This is the difference most comparisons skip, and it decides which platform fits a small portfolio. With €5,000, EstateGuru's €50 minimum lets you spread across up to 100 loans; InRento's €500 minimum allows at most 10 projects. With €1,000, that becomes 20 loans against 2 projects.

Spreading across more loans does not remove risk — a regional property slump hits every loan at once — but it does stop one bad borrower from taking a large share of your money. On InRento a single default can affect a tenth or more of a small portfolio. If you are starting with a few thousand euros, EstateGuru's ticket size is the easier route to diversification; InRento makes more sense as a smaller satellite next to other holdings, or once you can fund many projects.

Fees and the cost of getting out early

Neither platform charges you to invest on the primary market. The costs sit elsewhere:

To exit before maturity, both have a secondary market and both charge the seller: 1% on EstateGuru, 2% of the sale price on InRento. Either way a sale needs a buyer, and in a stressed market buyers disappear. Plan to hold every loan to maturity — and on a property loan that can mean longer than the stated term if the borrower is late or the loan goes into recovery.

Licence and investor protection

Both operators hold an EU crowdfunding licence under Regulation (EU) 2020/1503: Estateguru OÜ from Estonia's Finantsinspektsioon (authorisation dated 8 May 2023; the homepage cites decision no. 4.1-1/48), and InRento UAB from the Bank of Lithuania (licence LB002222, 10 November 2023). That licence brings disclosure and investor-test duties, and EstateGuru describes its own as a pan-European licence.

What it does not bring is a guarantee. A crowdfunding licence is not a banking licence and carries no deposit-guarantee or investor-compensation cover; InRento says so in plain words on its homepage. If a borrower defaults, your protection is the mortgage and the platform's recovery process. If a platform itself fails, the loans and mortgages continue to exist, but collecting on them becomes slower. Our guide to what investor protection actually covers explains the difference between deposit guarantees, investor compensation and a supervised firm, and the P2P regulatory status table shows where both sit against the rest of the market.

Track record and what the numbers do not tell you

EstateGuru is the older and larger platform: its homepage on 7 November 2026 showed 160,023 investors, €958 million funded in total and €100.3 million of interest paid, with 13+ years operating. Those are cumulative marketing figures — they say nothing about what an individual investor kept after defaults. EstateGuru has also retrenched: new lending is Baltic-only since 2023, and loans from earlier expansion abroad are being worked out through recoveries, which our EstateGuru review covers in detail.

InRento is younger and smaller, and its homepage does not reconcile two statements about its footprint (an "8 countries" statistic and a press quote about "six markets"). Its listings on the day we read it were in Latvia, Poland and Lithuania. Its "11.56%" average annual return is an advertised, backward-looking figure whose methodology is not stated on the homepage, so treat it as a headline, not an expectation.

For both, the numbers worth watching are the ones in your own account: how much of your book is late, how much is in recovery, and how long recoveries take.

Which should you choose?

Choose EstateGuru if you want to start small, spread money across many loans, and are content with interest only. Its €50 minimum is the main practical advantage, and its fee schedule is published in detail.

Choose InRento if you specifically want rental-property exposure with some share of the upside, can commit €500 or more per project, and accept that part of your return depends on a sale price years from now. See current InRento projects — InRento does not accept investors from every country, so check on its site that yours is eligible before you plan around it.

Using both is reasonable for an investor with a larger allocation: EstateGuru for the diversified, interest-only core of a property-debt sleeve, InRento for a few chosen rental projects. Keep the whole sleeve a modest part of a portfolio that also holds liquid assets — and keep your emergency fund in an insured savings account, not here. Open an EstateGuru account if the €50 route fits you.

Other property-backed lenders work differently again: LANDE lends to farmers against land and machinery, and our EstateGuru vs LANDE comparison sets those two side by side. For the rental-crowdfunding model across three platforms, see real-estate crowdfunding: InRento, FinForta and Modena.

Frequently asked questions

Is EstateGuru or InRento better for beginners?

EstateGuru, for most beginners, because its €50 minimum lets a small portfolio spread across many loans. InRento's €500 minimum means a beginner with a few thousand euros can only hold a handful of projects.

Which pays more, EstateGuru or InRento?

InRento's advertised figures are higher — an "11.56%" average annual return and projects at 7.75–11.5% fixed interest plus a capital-gain component — against EstateGuru's EG Grow at a stated fixed 7% (both read 7 November 2026). The figures are not like-for-like: part of InRento's return depends on a future sale, and neither is guaranteed.

Are EstateGuru and InRento regulated?

Yes. Both hold EU crowdfunding licences — EstateGuru from Estonia's Finantsinspektsioon, InRento from the Bank of Lithuania. Neither licence includes deposit-guarantee or investor-compensation cover.

Can I sell my investment early?

Both have a secondary market. EstateGuru charges the seller 1% and InRento 2% of the sale price, and a sale needs a buyer. Plan to hold to maturity.

Is my money safe if a borrower defaults?

Loans on both platforms are secured by a mortgage, so the property can be sold to recover the debt. Recovery can take many months and may not return the full amount plus interest. Secured lowers loss severity; it does not make the loan safe.

Sources

More P2P comparisons: best P2P lending platforms in Europe · P2P lending interest rates explained · Mintos alternatives by licence.

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