Business Loan Rates & Stats

The information below shows the aggregate historic returns by Risk Grade, Year and Region.

The information below shows the aggregate historic returns by Risk Grade, Year and Region. Rebuildingsociety does not take margin between borrower and lender. Furthermore, there is no provision fund. For information about individual loans, please see the secondary market. The full loan book may be downloaded from this page by registered lenders.

Past performance is not a guide to future performance. When lending your capital is at risk.

1650

Invested Lenders

314

Funded Loans

£9.4k

Average Investment

£17.4m

Total Funds
Lent

7.4%

Avg Net
Return

Overview by Risk Grade

App Risk # Loans £ Loaned '000 £ Outstanding '000 Late (< 30 days) Late (30 < 90 days) Late (> 90 days) Total Loss Total Gains Avg. Term Avg. Elapsed Term Net Return
A 28 1160 249 0 0 7 150 247 49.4 30.9 5.4%
A+ 4 133 102 0 0 2 41 10 57.3 5.0 -2.5%
B 102 5550 1436 2 1 20 496 1255 51.1 23.8 7.6%
C 180 10512 4388 3 3 43 1375 2722 54.7 22.9 8.6%
ALL 314 17354 6175 5 4 72 2062 4235 53.2 23.6 7.4%

Overview by Years

Year # Loans £ Loaned '000 £ Outstanding '000 Late (< 30 days) Late (30 < 90 days) Late (> 90 days) Total Loss Total Gains Avg. Term Avg. Elapsed Term Net Return
2012 1 11 8 0 0 1 8 1 24.0 15.9 -93.4%
2013 31 1658 108 0 0 4 105 409 46.8 32.7 9.0%
2014 65 3527 527 0 0 17 414 926 53.1 26.4 6.2%
2015 77 4305 1092 0 1 23 693 1217 53.1 29.1 5.3%
2016 32 2244 858 0 0 11 519 678 54.5 26.8 3.4%
2017 26 1410 403 0 2 6 154 438 54.8 25.2 9.5%
2018 24 1394 791 4 0 3 12 324 59.3 18.1 13.9%
2019 45 2361 1950 1 0 7 158 234 52.2 6.4 12.7%
2020 13 444 437 0 1 0 0 9 53.3 0.6 15.6%
ALL 314 17354 6175 5 4 72 2062 4235 53.2 23.6 7.4%

Overview by Region

Region # Loans £ Loaned '000 £ Outstanding '000 Late (< 30 days) Late (30 < 90 days) Late (> 90 days) Total Loss Total Gains Avg. Term Avg. Elapsed Term Net Return
East England 32 1735 358 0 0 7 105 420 48.2 24.2 9.9%
East Midlands 14 654 146 0 0 2 20 105 49.1 16.4 7.8%
Greater London 47 2884 679 0 1 11 233 703 54.3 26.3 8.1%
Home Counties 16 610 247 0 1 4 106 156 49.2 28.7 6.4%
North East England 6 193 86 0 0 3 86 50 56.3 27.5 -8.4%
North West England 47 2900 795 4 0 10 187 806 52.1 25.2 11.5%
Northern Ireland 5 203 113 0 0 1 49 49 56.8 23.5 4.6%
Scotland 12 768 359 0 0 3 164 176 47.3 17.9 1.2%
South East England 36 2276 852 0 0 7 83 636 56.9 27.7 12.7%
South West England 30 1378 670 0 0 5 209 313 52.9 22.1 8.8%
Wales 12 589 344 1 0 4 145 127 54.7 20.6 2.5%
West Midlands 26 1356 625 0 2 9 225 383 56.3 25.6 8.3%
Yorkshire and Humberside 31 1808 901 0 0 6 449 311 55.3 14.4 -0.4%
ALL 314 17354 6175 5 4 72 2062 4235 53.2 23.6 7.4%

Microloan Trading Volumes

Net Returns

The histogram above shows a comparative analysis of Net Returns across all active lenders. It is intended to assist lenders to understand the distribution variance, so lenders may interpret their performance, relative the achievements of others.

Of 1488 lenders who have participated on a loan, 182 (12.2%) have a net return less than 0% pa, i.e. they have taken a loss, whereas 1306 (87.8%) have a net return of 0% pa or above. Of the 1306 positive lenders, 1003 (67.4%) have received 5%* or above, and 560 (37.6%) have 10%* or above, with a lucky 279 (18.8%) who have earned over 15% pa*.

There are various factors that may contribute to a variation between Net Returns, such as the timing of the investment, secondary market trading activity, promotions, compounding repayments and more. Some users who sustain a loss during a period of low capital employment may have a substantially negative Net Return. Past returns are not a guarantee of future earnings, please read more about the risks of P2P lending here. An explanation of the calculation of Net Returns is given here.