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.

  • 7063 Registered
    Users
  • 0 People online
    now
  • 0 Applications this
    week
  • 2 Live loan
    auctions
  • £11.2 m Total funds
    lent
  • 17.0% Average gross
    yield
  • 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 % 0.00 %
A 22 915 255 14.1 % 1 1 9.1 % 0.11 %
B 66 3,787 1,657 16.1 % 2 3 11.2 % 0.03 %
C 101 6,491 3,756 18.1 % 5 6 12.3 % 0.02 %
D 0 0 0 0 % 0 0 0.0 % 0.00 %
ALL 189 11,192 5,668 17.0 % 8 10 11.7 % 0.03 %

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 1,433 209 16.2 % 0 2 4.8 % 0.14 %
2014 60 3,193 1,010 16.6 % 2 3 11.6 % 0.03 %
2015 70 4,011 2,261 17.1 % 5 4 19.2 % 0.00 %
2016 30 2,146 1,782 18 % 1 1 4.7 % 0.00 %
2017 2 410 406 19.3 % 0 0 0.0 % 0.00 %
ALL 189 11,192 5,668 17.0 % 8 10 11.7 % 0.03 %

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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