BulkEstate review : interesting real-estate crowdfunding opportunities

BulkEstate review : interesting real-estate crowdfunding opportunities

BulkEstate’s overview

BulkEstate features only real-estate projects. Interest rates typically vary from 14% to 17% (recent projects were more speculative than early ones); interests are usually repaid in full at the end of the loan, at the same time as the capital.

My opinion on BulkEstate

BulkEstate is a nice complement to real-estate crowdfunding leader CrowdEstate. The featured projects offer a good risk/reward ratio for investors who don’t want to invest in the more speculative real-estate projects offered by other competitors such as Envestio.

Detailed ratings

Interest rates

The large range of interest rates will appeal to most investors’ profiles, from conservative to speculative.

Loans liquidity

There are few loans available, with large amounts.


*BulkEstate’s reporting is rather basic.

Buyback guarantee

No buyback is available for now.

Website ergonomics

Readability and translations could be further improved.

BulkEstate’s pros & cons


  • Opportunity to diversify your portfolio by investing in various real-estate projects


  • Limited amount of projects
  • No monthly interests repayment

Loans characteristics

Interest rates

12% – 16%

Loans duration

More than 1 year

Loans kind


Minimal investment


Buyback guarantee

NO buyback guarantee



Real-estate loans

Interest rates are usually between 14% and 17% for a duration of one year or less. There are usually only a few investment opportunities at the same time, with a large amount to invest in. It’s more or less the same situation as with Grupeer‘s loans; you don’t have to check BulkEstate‘s website everyday !

A sample of BulkEstate’s projects

One important difference with P2P lending sites is that both principal and accrued interests are repaid at the loan repayment date; there’s no monthly interest repayment. The minimum investment is 50€, which is higher than for personal loans for example but rather common in real-estate financing.

The website provides a basic description provided for each project; compared to CrowdEstate, BulkEstate could provide further details. The SWOT (Strengths/Weaknesses/Threat/Opportunities) matrix, repayment schedule, company rating and risk profile comparison found at CrowdEstate would be welcome additions !

Description of a project at BulkEstate

Buyback guarantee

The loans are not guaranteed. However, the value of the properties the loan is invested in helps mitigate the risks.

Platform’s features

Secondary market

NO secondary market


Auto-invest available

Secondary market

There’s currently no secondary market. BulkEstate is supposedly working on it, but didn’t provide any timeline.

Auto-invest feature

Opportunity to use auto-invest was added in April 2018. It’s really easy to configure it; the required inputs are maximum investment amount, minimum return and maximum term. Note that thanks to the small number of available projects, it’s still very easy to invest manually; however, using auto-invest may be useful in order to be sure you’ll get a share of high-yielding projects.

BulkEstate’s auto-invest configuration

Website’s ease of use


English, Russian, Ukrainian, Estonian, German

Funding methods

Account funding

Initially, investors didn’t have the opportunity to fund their BulkEstate account; money had to be wired at time of investment. This could cause troubles if the transfer took too long, and was overall bothersome. Fortunately, an upgrade introduced the opportunity to send funds ahead of time, like most competitors allow.

However, one slightly annoying aspect remains. Before transferring money, it’s mandatory to generate an invoice on BulkEstate’s website, by inputting the transferred amount ahead of time. This is slightly inconvenient, and apart from Crowdestor, no other platform requires it.

Website’s design and ergonomics

I was initially not very satisfied with the usability of BulkEstate‘s website. However, things have improved and it’s much more pleasant to use now. The translations have also improved, although they’re still not perfect.


The investments list is rather basic, providing very little details; however, it has improved as BulkEstate added new features. For example, it’s now possible to view the payment schedule, although it actually has to be downloaded as a PDF file.

On the other hand, the low number of loans and basic repayment structure partially compensate this lack of details.

BulkEstate’s investment overview


While the How investing works document isn’t detailed enough, the very extensive FAQ provides many details regarding the investing process; most investors are likely to find answers to their questions there.


There’s no live chat available. I got in touch with BulkEstate by e-mail regarding account statements for tax purposes. They answered quickly and were very helpful : in a few hours, I received the statement by e-mail.

Communication from the platform​

BulkEstate won’t clutter your inbox with countless emails ! Indeed, you will only receive notification when a new investment is made through the auto-invest feature, when a project is fully funded, and in order to announce new projects.

Actual performance of my BulkEstate portfolio

As my investments don’t yield interests monthly, it’s too early for me to compute an XIRR.

BulkEstate’s main competitors

BulkEstate’s facts and figures


Riga, Latvia – Tallinn, Estonia

Number of investors

2 245

As of December 2018

Who can invest

Any company or any person over the age of 18 can invest in any of the active investment opportunities on the BulkEstate platform.
BulkEstate FAQ


Please note that this review may contain affiliate links. It means that I will earn a commission if you decide to invest after clicking through the link – at no additional cost to you, of course -. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the commissions I make if you decide to invest through my links.

1 thought on “BulkEstate review : interesting real-estate crowdfunding opportunities”

  1. Hello,

    I find it very profitable real estate platform, however it lacks some features (reports, etc) in the platform as you mentioned. The volume of loans is very small, I think they do not generate any profit at least until now, they should increase it. One more thing, are you sure it is not backed by real estate collateral? I got the answer from them half a year ago.

    Do I understand it right that you offer only mortgage backed loans? Who is responsible for collecting default loans? Did you have any default loans yet?

    Yes, we only provide loans, if these are secured by a real estate mortgage. All investment projects are carefully selected before made available to our investors. Every Bulkestate deal goes through a rigorous and consistent evaluation process by Investment committee, which is a team of highly experienced real-estate, investment and finance experts. Bulksestate’s partner in evaluation process is BDO – an international network of public accounting, tax and advisory firms.

    Bulkestate holds all mortgages and executes them if loans are defaulted. Luckily, we have not encountered any defaults. Procedures will depend on situation. If there will be problems to repay the loan, we will work very closely with the debtor to understand the situation and find the best option for all stakeholders. In most cases, we will aim to achieve a negotiation solution and avoid direct take-over of properties, but that will be done only if necessary.

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