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Context & needs

EstateGuru is the leading Pan-European marketplace for property-backed loans. Founded in 2013 with the purpose of facilitating access to secured property loans to the common investor and helping small property development businesses find adapted financing, it is now expanding its investor’s base thanks to crossborder financing.

In order to pursue an ambitious expansion strategy while growing its business in core countries, EstateGuru needed a strong payment partner with a reliable technical solution and a deep knowledge of local regulations and regulators in specific geographies for future growth. A perfect match was found with Lemonway.

Riivo Pilvik

Head of Product
quote Our relationship is quite open and honest. We understand each other’s challenges, as we are both growing fast, but at the same time we feel that Lemonway is solution-oriented, which is very vital! There have been challenges, but one-by-one we have solved those in cooperation. We are satisfied with Lemonway, that they can provide reliable solutions and support the growth.


From initial planning to production, the integration process of the Lemonway solution took 6 months.

Founded in 2013, EstateGuru had an existing payment platform that had to be migrated to Lemonway. The solution was adapted to take into account existing regulatory processes, while internal systems were adapted to fully integrate automated payment processes.


Today, EstateGuru is:

  • Fully compliant with the regulations of each country where a licensed PSP is required and fit for ECSP obligations thanks to their strategic PSP
  • Backed by a strong international compliance partner handling requirements from regulatory authorities
  • Free to focus on its core business



Secure, guarantee and facilitate transactions between sellers and buyers


Modularity of the offer in line with the regulator's expectations


Replication of the marketplace model in 10 countries in 6 months

Key results


countries and expanding across Europe


retail investors and thousands of borrowers benefiting from Lemonway's services


million payments conducted to date

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