Instant Exit Program User Guide

Instant Exit

To help you move loans out of your portfolio fast, rebalance your projected earnings, or simply withdraw your cash in times of emergency, we have created the Instant Exit Program which allows investors to instantly sell investments that meet the program’s criteria. 

How does it work?

The Instant Exit Program is a reserve created by EstateGuru to facilitate early exit from loans for investors. It works on a first-come-first-served basis and will be replenished regularly as we recover capital from defaulted loans through the sale of collateral assets. When money is available in the program, we will instantly buy any claim that meets the criteria stipulated in the program parameters of the fund from your portfolio at a 35% discount. You simply have to select the Instant Exit option where it is available, confirm the sale, and the money will be in your account immediately. At present this will only apply to investments in loans in the Baltic countries – Estonia, Latvia and Lithuania. 

Selling a claim

To sell qualifying claims, navigate to your portfolio page. You will see a list of your claims and notice that some have a shopping trolley icon next to them. This means that they can be sold on either the Secondary Market or through the Instant Exit Program.

Click on the trolley icon to access the claims sale page. Here you will see your options for the Secondary Market and, directly beneath that, you will see a new section, which shows you the option to sell immediately. This will only be available for claims that qualify for the program. You will also be able to see how much you can sell it for.

If you’re happy with the price, simply click on Sell Immediately. This will take you to the confirmation page, where you can review the details of your sale. Add a tick to show that you understand and have read the terms and conditions.

Next up we will ask you to confirm the sale by sending you an SMS code or, if you’re in Estonia, by using your digital ID card.

Enter the code you will receive to complete the sale. We’ll email you a confirmation letter including the contract of sale and the money will be available in your EstateGuru account immediately to reinvest or withdraw.

The whole process should take you just a few minutes. You can get full details on how we choose qualifying loans and more background on the program here.

We’ve also added a new filter to your portfolio that lets you easily see which of your loans qualify to be sold via Instant Exit. Simply add the filter and the list will be displayed. Then you can click on the shopping trolley and follow the standard process detailed above to sell your claim.