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.

1634

Invested Lenders

302

Funded Loans

£9.3k

Average Investment

£17m

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 27 1152 247 0 0 7 150 244 49.6 30.8 5.4%
A+ 4 133 104 0 0 2 41 8 57.3 3.8 -2.5%
B 102 5550 1472 3 0 20 499 1235 51.1 23.4 7.6%
C 169 10161 4268 4 5 39 1366 2640 54.6 23.0 8.6%
ALL 302 16995 6092 7 5 68 2055 4127 53.2 23.5 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
2013 31 1658 108 0 0 4 105 409 46.8 32.7 9.0%
2014 65 3527 529 0 0 17 411 925 53.1 26.4 6.2%
2015 77 4305 1142 1 2 23 692 1211 53.1 28.7 5.3%
2016 32 2244 880 0 1 11 524 672 54.5 26.3 3.3%
2017 26 1410 467 2 0 6 154 429 54.8 24.6 9.8%
2018 24 1394 818 4 1 1 12 300 59.3 16.5 14.5%
2019 45 2361 2053 0 1 6 158 180 52.2 4.8 13.2%
2020 2 96 94 0 0 0 0 1 44.4 0.2 17.4%
ALL 302 16995 6092 7 5 68 2055 4127 53.2 23.5 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 30 1680 305 0 1 7 105 415 47.8 24.9 9.5%
East Midlands 12 598 91 0 0 2 20 103 48.1 17.8 6.6%
Greater London 46 2840 663 2 2 9 231 691 54.2 26.3 8.1%
Home Counties 16 610 254 0 0 4 106 154 49.2 28.0 6.4%
North East England 6 193 86 0 0 3 86 50 56.3 27.5 -8.4%
North West England 45 2825 802 1 1 9 179 787 52.1 25.2 11.6%
Northern Ireland 5 203 115 0 0 1 49 47 56.8 22.6 4.6%
Scotland 12 768 365 0 0 3 164 174 47.3 17.7 1.2%
South East England 35 2242 860 1 1 6 85 617 56.8 27.2 12.8%
South West England 30 1378 683 0 0 5 215 298 52.9 21.1 8.6%
Wales 11 561 321 1 0 4 145 123 56.5 20.9 2.2%
West Midlands 25 1349 631 2 0 9 225 373 56.5 25.1 8.3%
Yorkshire and Humberside 29 1749 915 0 0 6 446 296 55.1 14.2 0.3%
ALL 302 16995 6092 7 5 68 2055 4127 53.2 23.5 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 1273 lenders who have participated on a loan, 175 (13.7%) have a net return less than 0% pa, i.e. they have taken a loss, whereas 1098 (86.3%) have a net return of 0% pa or above. Of the 1098 positive lenders, 825 (64.8%) have received 5%* or above, and 475 (37.3%) have 10%* or above, with a lucky 234 (18.4%) 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.