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.

  • 6456 Registered
    Users
  • 1 People online
    now
  • 0 Applications this
    week
  • 2 Live loan
    auctions
  • £10.1 m Total funds
    lent
  • 16.9% Average gross
    yield
  • 9.6 % 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 22 915 210 14.1 % 0 0 13.4 % 0.11 %
B 62 3,607 1,394 16.1 % 1 1 13.6 % 0.03 %
C 93 5,579 3,382 17.9 % 4 3 9.6 % 0.00 %
ALL 177 10,100 4,986 16.9 % 5 4 9.6 % 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 1,433 297 16.2 % 1 2 7.5 % 0.14 %
2014 58 2,893 810 16.4 % 0 0 13.6 % 0.00 %
2015 69 3,979 2,174 17 % 4 2 16.3 % 0.00 %
2016 23 1,796 1,705 18 % 0 0 0.0 % 0.00 %
ALL 177 10,100 4,986 16.9 % 5 4 9.9 % 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

Microloan trading volumes

View Summary Chart
iJr/wxVFQTOM5jn615ZUUYvhzAbLnOkhpupFfzj4qbw=