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.

  • 9388 Registered
    Users
  • 11 People online
    now
  • 0 Applications this
    week
  • 1 Live loan
    auctions
  • £12.2 m Total funds
    lent
  • 9.7% Average net
    return
  • 11.7% Default rate

Overview by Risk Grade

App Risk
App Risk
Loans within the risk category assigned by rebuildingsociety
# Loans
# Loans
The number of loans completed in respective risk categories
£ Loaned '000
£ Loaned
The total value of loans made in respective risk categories
Outstanding '000
Outstanding
The total value of loan capital repayments outstanding in respective risk categories
Avg. Rate
Avg. Rate
The average gross annual interest rate earned by investors across all loans in respective risk categories
Late
(< 30 days)
Late (< 30 days)
Number of loans where the current repayment is late by less than 30 days
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)
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.
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
A+ 0 0 0 0 % 0 0 0 % 0.00 %
A 21 865 167 13.9 % 1 1 12.2 % 0.23 %
B 71 3,940 1,076 16.1 % 3 6 6.8 % 0.10 %
C 120 7,430 3,583 18.1 % 10 7 14.2 % 0.11 %
D 0 0 0 0 % 0 0 0 % 0.00 %
ALL 212 12,235 4,826 17.1 % 14 14 11.7 % 0.11 %

Overview by years

Year # Loans
# Loans
The number of loans completed in respective year
£ Loaned '000
£ Loaned
The total value of loans made in respective year
Outstanding '000
Outstanding
The total value of loan capital repayments outstanding in respective year
Avg. Rate
Avg. Rate
The average gross annual interest rate earned by investors across all loans in respective year
Late
(< 30 days)
Late (< 30 days)
Number of loans where the current repayment is late by less than 30 days
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)
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.
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
2013 26 1,383 79 16.2 % 0 2 2.9 % 0.22 %
2014 61 3,233 626 16.6 % 3 5 8.1 % 0.15 %
2015 70 4,011 1,426 17.1 % 5 3 17.8 % 0.15 %
2016 30 2,146 1,408 18 % 4 2 17.9 % 0.00 %
2017 23 1,276 1,101 18.6 % 2 2 2.1 % 0.00 %
2018 2 186 185 18.2 % 0 0 0 % 0.00 %
ALL 212 12,235 4,826 17.1 % 14 14 11.7 % 0.11 %

Overview by region

Region # Loans
# Loans
The number of loans completed in respective region
£ Loaned '000
£ Loaned
The total value of loans made in respective region
Outstanding '000
Outstanding
The total value of loan capital repayments outstanding in respective region
Avg. Rate
Avg. Rate
The average gross annual interest rate earned by investors across all loans in respective region
Late
(< 30 days)
Late (< 30 days)
Number of loans where the current repayment is late by less than 30 days
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)
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.
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
Northern Ireland 3 121 42 16.4 % 0 0 0 % 0.83 %
Scotland 10 689 414 17.2 % 1 0 20.3 % 0.00 %
Wales 8 413 225 16.3 % 1 1 38.5 % 0.00 %
South West England 22 1,007 590 16.9 % 2 2 18.4 % 0.00 %
South East England 25 1,436 500 16.5 % 0 0 8.0 % 0.07 %
North West England 32 2,164 870 17.9 % 1 2 8.6 % 0.09 %
North East England 6 193 87 17.3 % 0 1 14.7 % 0.52 %
Yorkshire and Humberside 20 1,292 493 17.1 % 1 0 24.4 % 0.31 %
Greater London 28 1,878 359 16.7 % 1 1 4.3 % 0.05 %
Home Counties 13 494 266 16.5 % 1 1 18.0 % 0.00 %
West Midlands 18 973 588 17.4 % 0 0 11.5 % 0.10 %
East Midlands 10 498 100 15.8 % 0 0 0 % 0.00 %
East England 14 867 316 18.2 % 0 0 4.4 % 0.23 %
ALL 209 12,024 4,848 17.1 % 8 8 12.0 % 0.11 %

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.

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