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Crowdstacker Statistics

1st January 2022

At the heart of the P2P Platform revolution is the idea that finance needs to be more transparent.

Investors deserve to know more about where and how their money is being used. And borrowers benefit from understanding the assessment process thoroughly.

Crowdstacker works hard to ensure it can make available information that its investors and borrowing businesses need. And we are always looking for new ways to make this easy to understand and easy to access.

Data correct as at January 2022.

Returns Performance

  2015 2016 2017 2018 2019 2020 2021
Amount lent (£m) £2.717 £15.394 £17.098 £19.102 £4.618 £4.393 £2.461
Actual annual return to date of loans in origination year (after fees and bad debts) 6.15% -38.73%* -56.52%* 4.91% 6.75% 7.30% 9.78%
Estimated annual return (after fees and estimated lifetime bad debt rate) 5.15% 5.13% 5.52% 5.72% 5.75% 6.24% 8.28%
Realised (principal repaid excluding bad debts) 100.00% 100.00% 100.00% 78.71% 72.50% 45.03% 12.31%
Gross annual interest rate (paid by borrower) 6.65% 6.63% 7.02% 7.22% 7.25% 7.74% 10.28%


Bad Debt Rates

  2015 2016 2017 2018  2019 2020 2021
Actual arrears as % of outstanding balances 0% 0% 0% 19.20% 0% 0% 0%
Total amount of payments more than 45 days late but not defaulted, as a percentage of all outstanding balances from loans made in a calendar year.
Actual lifetime of bad debt rate* 0% 44.91%* 63.06%* 3.56%* 0% 0% 0%
Total bad debt (defaults less actual recoveries) over the lifetime of the loans as a percentage of the amount lent in a calendar year (NB this is not an annualised number). 
Estimated lifetime bad debt rate** 1% 1% 1% 1% 1% 1% 1.5%
Estimated lifetime bad debt rate (defaults less recoveries) as a percentage of amount lent in a calendar year at origination.

* The definition of bad debt (non-performing loans) includes any portion of a loan that has not been repaid after 90 days from the date the loan became due for all lending apart from property, where the period shall be 180 days. Please note: there are three loans in administration that were originated primarily in 2016 and 2017, currently these loans are defined as bad debt but we expect recoveries that will improve the actual return and bad debt rate in due course.

**Expected bad debt rate at origination (as a % of amount lent in the calendar year of the loan). The estimated lifetime bad debt rate has been estimated using data from Creditsafe, including the historical amounts of bad debts experienced in similar businesses. It considers the probability of default and recovery rate. Updated bad debt rate will be an updated projection based on actual bad debts plus future projection.

As a prudent measure, this will be a minimum of 1% until we have further investments on the platform.

This should not be relied upon and it is an unusual statistic for a small number of investments.

Past performance does not guarantee future performance.