IMPORTANT: Our statistics below provide a current snapshot of the performance of loans offered on our site, from our inception up to today. When considering these statistics it is important to note that:
- The figures simply show what has happened so far, they are not a guide to what may happen in the future and should not be regarded as such.
- The 'Average gross interest rates on auctions' are just that - the gross rates offered to investors when the auction period closed, they do not allow for any tax that may be due or the effects of any bad debts.
When choosing to invest on any loans on our site you should carefully consider the information provided by the borrower as well as the type of business. You should not rely on these past performance figures as providing any type of guide to the actual results you may ultimately achieve.
Average gross interest rates on auctions
Data as at: Saturday 5 October 2024
| (£000s) | 1–12 months | 13–24 months | 25–36 months | 37–48 months | 49–60 months | All |
|---|---|---|---|---|---|---|
 |
8.65% £35 1 loan |
— | — | — | — | 8.65% £35 1 loan |
|
9.37% £810 9 loans |
9.53% £280 5 loans |
10.04% £2,080 22 loans |
10.30% £560 3 loans |
10.69% £2,548 14 loans |
10.22% £6,278 53 loans |
|
10.28% £703 14 loans |
10.66% £950 11 loans |
10.71% £5,941 64 loans |
11.31% £1,192 13 loans |
11.47% £3,367 33 loans |
10.95% £12,153 135 loans |
|
— | 11.74% £165 4 loans |
12.99% £213 5 loans |
12.85% £30 1 loan |
12.92% £287 6 loans |
12.66% £695 16 loans |
 |
7.44% £390 1 loan |
— | — | — | — | 7.44% £390 1 loan |
|
8.73% £1,710 2 loans |
9.64% £555 2 loans |
— | — | — | 8.95% £2,265 4 loans |
|
9.48% £1,053 5 loans |
9.37% £525 1 loan |
— | — | — | 9.44% £1,578 6 loans |
 |
— | — | 9.63% £6,920 12 loans |
9.75% £1,170 3 loans |
— | 9.65% £8,090 15 loans |
| All | 9.13% £4,701 32 loans |
10.10% £2,475 23 loans |
10.16% £15,154 103 loans |
10.52% £2,952 20 loans |
11.22% £6,202 53 loans |
10.24% £31,485 231 loans |
Loan book
Data as at: Saturday 5 October 2024
| Loan book summary (£000s) | 5 Shield | 4 Shield | 3 Shield | 2 Shield | 5 Castle | 4 Castle | 3 Castle | Windmill | Total | |
|---|---|---|---|---|---|---|---|---|---|---|
| Loans originated | ||||||||||
| - 2012 | — | £310 | — | — | — | — | — | — | £310 | |
| - 2013 | — | £1,350 | £1,588 | — | — | — | — | — | £2,938 | |
| - 2014 | £35 | £1,800 | £4,090 | £280 | — | — | — | — | £6,205 | |
| - 2015 | — | £2,045 | £5,478 | £380 | — | £2,050 | £1,400 | £7,890 | £19,243 | |
| - 2016 | — | £773 | £997 | £35 | £390 | — | £178 | £200 | £2,573 | |
| - 2017 | — | — | — | — | — | £215 | — | — | £215 | |
| - 2018 | — | — | — | — | — | — | — | — | — | |
| - 2019 | — | — | — | — | — | — | — | — | — | |
| - 2020 | — | — | — | — | — | — | — | — | — | |
| - 2021 | — | — | — | — | — | — | — | — | — | |
| - 2022 | — | — | — | — | — | — | — | — | — | |
| - 2023 | — | — | — | — | — | — | — | — | — | |
| - 2024 | — | — | — | — | — | — | — | — | — | |
| Total loans originated | £35 | £6,278 | £12,153 | £695 | £390 | £2,265 | £1,578 | £8,090 | £31,485 | |
| Principal repaid to date | £35 | £5,941 | £11,727 | £595 | £390 | £2,265 | £1,463 | £7,404 | £29,821 | |
| Bad debts written off | — | £336 | £426 | £99 | — | — | £114 | £685 | £1,663 | |
| Loans outstanding | — | — | — | — | — | — | — | — | — | |
| Performing loans (£000s) | 5 Shield | 4 Shield | 3 Shield | 2 Shield | 5 Castle | 4 Castle | 3 Castle | Windmill | Total | |
| Original loans | £35 | £5,013 | £9,409 | £500 | £390 | £1,925 | £1,178 | £5,745 | £24,195 | |
| Principal repaid to date | £35 | £5,013 | £9,409 | £500 | £390 | £1,925 | £1,178 | £5,745 | £24,195 | |
| Loans outstanding | — | — | — | — | — | — | — | — | — | |
| Loans paid in full | 1 loan |
48 loans |
120 loans |
12 loans |
1 loan |
4 loans |
5 loans |
11 loans |
£28,007 | |
| Non-Performing loans (£000s) | 5 Shield | 4 Shield | 3 Shield | 2 Shield | 5 Castle | 4 Castle | 3 Castle | Windmill | Total | |
| Original loans | — | £210 | £125 | — | — | — | £200 | £1,240 | £1,775 | |
| Principal repaid to date | — | £210 | £125 | — | — | — | £200 | £1,240 | £1,775 | |
| Loans outstanding | — | — | — | — | — | — | — | — | — | |
| Payments overdue | — | — | — | — | — | — | — | — | £0 | |
| Loans in debt recovery (£000s) | 5 Shield | 4 Shield | 3 Shield | 2 Shield | 5 Castle | 4 Castle | 3 Castle | Windmill | Total | |
| Original loans | — | £405 | £1,261 | £30 | — | £340 | — | — | £2,036 | |
| Principal repaid to date | — | £50 | £705 | £21 | — | £0 | — | — | £777 | |
| Recoveries to date | — | £354 | £556 | £8 | — | £339 | — | — | £1,259 | |
| Loans outstanding | — | — | £0 | — | — | — | — | — | £0 | |
| Loans written off (£000s) | 5 Shield | 4 Shield | 3 Shield | 2 Shield | 5 Castle | 4 Castle | 3 Castle | Windmill | Total | |
| Original loans | — | £650 | £1,358 | £165 | — | — | £200 | £1,105 | £3,478 | |
| Principal repaid to date | — | £217 | £793 | £63 | — | — | — | £39 | £1,114 | |
| Recoveries to date | — | £95 | £137 | £1 | — | — | £85 | £380 | £700 | |
| Total loans written off | — | £336 | £426 | £99 | — | — | £114 | £685 | £1,663 | |
| - 2012 | — | — | — | — | — | — | — | — | — | |
| - 2013 | — | £127 | £76 | — | — | — | — | — | £203 | |
| - 2014 | — | £18 | £144 | £49 | — | — | — | — | £212 | |
| - 2015 | — | £190 | £205 | £50 | — | — | £114 | £666 | £1,227 | |
| - 2016 | — | — | — | — | — | — | — | £18 | £18 | |
| - 2017 | — | — | — | — | — | — | — | — | — | |
| - 2018 | — | — | — | — | — | — | — | — | — | |
| - 2019 | — | — | — | — | — | — | — | — | — | |
| - 2020 | — | — | — | — | — | — | — | — | — | |
| - 2021 | — | — | — | — | — | — | — | — | — | |
| - 2022 | — | — | — | — | — | — | — | — | — | |
| - 2023 | — | — | — | — | — | — | — | — | — | |
| - 2024 | — | — | — | — | — | — | — | — | — | |
| Total loans written off | — | £336 | £426 | £99 | — | — | £114 | £685 | £1,663 | |
| Lifetime default rates | 5 Shield | 4 Shield | 3 Shield | 2 Shield | 5 Castle | 4 Castle | 3 Castle | Windmill | ||
| - 2012 (Actual) | — | 0.00% | — | — | — | — | — | — | ||
| - 2012 (Original estimate) | — | 0.76% | — | — | — | — | — | — | ||
| - 2013 (Actual) | — | 9.46% | 4.80% | — | — | — | — | — | ||
| - 2013 (Original estimate) | — | 1.66% | 2.57% | — | — | — | — | — | ||
| - 2014 (Actual) | 0.00% | 1.05% | 3.54% | 17.58% | — | — | — | — | ||
| - 2014 (Original estimate) | 0.27% | 2.55% | 3.75% | 6.34% | — | — | — | — | ||
| - 2015 (Actual) | — | 9.30% | 3.75% | 13.30% | — | 0.00% | 8.21% | 8.45% | ||
| - 2015 (Original estimate) | — | 2.89% | 3.77% | 6.15% | — | 0.54% | 1.02% | 2.88% | ||
| - 2016 (Actual) | — | 0.00% | 0.00% | 0.00% | 0.00% | — | 0.00% | 9.46% | ||
| - 2016 (Original estimate) | — | 2.79% | 4.09% | 3.39% | 0.25% | — | 0.74% | 2.80% | ||
| - 2017 (Actual) | — | — | — | — | — | 0.00% | — | — | ||
| - 2017 (Original estimate) | — | — | — | — | — | 0.74% | — | — | ||
| - 2018 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2018 (Original estimate) | — | — | — | — | — | — | — | — | ||
| - 2019 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2019 (Original estimate) | — | — | — | — | — | — | — | — | ||
| - 2020 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2020 (Original estimate) | — | — | — | — | — | — | — | — | ||
| - 2021 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2021 (Original estimate) | — | — | — | — | — | — | — | — | ||
| - 2022 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2022 (Original estimate) | — | — | — | — | — | — | — | — | ||
| - 2023 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2023 (Original estimate) | — | — | — | — | — | — | — | — | ||
| - 2024 (Actual) | — | — | — | — | — | — | — | — | ||
| - 2024 (Original estimate) | — | — | — | — | — | — | — | — | ||
| All time (actual) | 0.00% | 5.36% | 3.51% | 14.35% | 0.00% | 0.00% | 7.29% | 8.48% | ||
| Estimated default rates per annum | 0.50% | 1.25% | 2.00% | 3.25% | 0.25% | 0.50% | 0.75% | 1.00% | ||
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