Business Loan Rates

Business Loan Rates & Stats

rebuildingsociety.com business loans are split into different risk categories. The table below reports on the loan rates and statistics for each risk band. For more detail on individual loan repayment histories, please visit the micro loan market.

7624 Registered
Users
1 People online
now
0 Applications this
week
2 Live loan
auctions
£11.5 m Total funds
lent
17.0% Average gross
yield
13.5 Default rate

Overview
Microloan trading
Net Returns

Overview by Risk Grade

App Risk App Risk Loans within the risk category assigned by rebuildingsociety See Lender FAQs	# Loans # Loans The number of loans completed in respective risk categories See Lender FAQs	£ Loaned '000 £ Loaned The total value of loans made in respective risk categories See Lender FAQs	Outstanding '000 Outstanding The total value of loan capital repayments outstanding in respective risk categories See Lender FAQs	Avg. Rate Avg. Rate The average gross annual interest rate earned by investors across all loans in respective risk categories See Lender FAQs	Late (< 30 days) Late (< 30 days) Number of loans where the current repayment is late by less than 30 days See Lender FAQs	Late (30 < 90 days) Late (30 < 90 days) Number of loans where the current repayment is late by more than 30 days but not defaulted (less than 90 days) See Lender FAQs	Default Rate Defaults One or more repayments are over 90 days due or the borrower has breached a term of their loan agreement. The loan is now in the process of being recovered. See Lender FAQs	Bad Debts Rate Late (> 30 days)) The value of unrecoverable debt after a borrower has been pursued for bad debts and a settlement has been reached See Lender FAQs
A+	0	0	0	0 %	0	0	0.0 %	0.00 %
A	22	915	234	14.1 %	0	0	10.6 %	0.11 %
B	68	3,847	1,474	16.1 %	2	3	9.7 %	0.05 %
C	105	6,775	3,775	18.1 %	6	5	16.1 %	0.06 %
D	0	0	0	0 %	0	0	0.0 %	0.00 %
ALL	195	11,538	5,484	17.0 %	8	8	13.5 %	0.06 %

Access our statistics XML file here.

Overview by years

Year	# Loans # Loans The number of loans completed in respective year See Lender FAQs	£ Loaned '000 £ Loaned The total value of loans made in respective year See Lender FAQs	Outstanding '000 Outstanding The total value of loan capital repayments outstanding in respective year See Lender FAQs	Avg. Rate Avg. Rate The average gross annual interest rate earned by investors across all loans in respective year See Lender FAQs	Late (< 30 days) Late (< 30 days) Number of loans where the current repayment is late by less than 30 days See Lender FAQs	Late (30 < 90 days) Late (30 < 90 days) Number of loans where the current repayment is late by more than 30 days but not defaulted (less than 90 days) See Lender FAQs	Default Rate Defaults One or more repayments are over 90 days due or the borrower has breached a term of their loan agreement. The loan is now in the process of being recovered. See Lender FAQs	Bad Debts Rate Late (> 30 days)) The value of unrecoverable debt after a borrower has been pursued for bad debts and a settlement has been reached See Lender FAQs
2013	27	1,433	176	16.2 %	1	2	4.8 %	0.14 %
2014	60	3,193	909	16.6 %	1	2	10.5 %	0.06 %
2015	70	4,011	1,955	17.1 %	4	4	19.2 %	0.07 %
2016	30	2,146	1,707	18 %	2	0	17.9 %	0.00 %
2017	8	755	737	18.7 %	0	0	0.0 %	0.00 %
ALL	195	11,538	5,484	17.0 %	8	8	13.5 %	0.06 %

Microloan Trading Volumes

View Summary Chart

Net Returns

This shows a comparative analysis of Net Returns across all active lenders. Updated daily, it is intended to assist lenders understand the distribution variance and to help existing lenders understand their performance, relative the achievements of others.

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, capital employment and more.

Some users who sustain a loss during a period of low capital employment may have a substantially negative Net Return, we are working to more accurately reflect the Net Return for all users.

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.