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.
-
6547
Registered
Users -
3
People online
now -
0
Applications this
week -
1
Live loan
auctions -
£10.2 m
Total funds
lent -
16.9%
Average gross
yield - 9.5 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 % | 0.00 % |
| A | 22 | 915 | 204 | 14.1 % | 0 | 0 | 13.4 % | 0.11 % |
| B | 63 | 3,657 | 1,343 | 16.1 % | 1 | 2 | 11.7 % | 0.03 % |
| C | 94 | 5,629 | 3,347 | 17.9 % | 7 | 3 | 9.5 % | 0.00 % |
| D | 0 | 0 | 0 | 0 % | 0 | 0 | 0.0 % | 0.00 % |
| ALL | 179 | 10,200 | 4,895 | 16.9 % | 8 | 5 | 9.5 % | 0.02 % |
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 | 27 | 1,433 | 284 | 16.2 % | 1 | 2 | 7.5 % | 0.14 % |
| 2014 | 58 | 2,893 | 772 | 16.4 % | 1 | 0 | 13.6 % | 0.00 % |
| 2015 | 69 | 3,979 | 2,104 | 17 % | 5 | 3 | 14.7 % | 0.00 % |
| 2016 | 25 | 1,896 | 1,735 | 18 % | 1 | 0 | 0.0 % | 0.00 % |
| ALL | 179 | 10,200 | 4,895 | 16.9 % | 8 | 5 | 9.5 % | 0.02 % |
Loan securities offerred by Borrowers
|
1
0%
Personal Guarantee Insurance
2
0%
Fixed Debenture
3
0%
1st Charge on Commercial Property
4
0%
Cross Corporate Guarantee
5
0%
Personal Guarantee
6
0%
All Assets Debenture
7
0%
1st Charge on Non Residential Property
8
0%
2nd Charge on Non Residential Property
9
0%
2nd Charge on Commercial Property
10
0%
1st Charge on Residential Property
11
0%
2nd Charge on Residential Property
|
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