Loan Performance
At the heart of the P2P Platform revolution is the idea that finance needs to be more transparent.
To help you manage your risk, the table below shows the performance our our loans, split into Property Development Loans (PDLs), Business Loans and Total Loans.
Data updated annually; correct as at January 2025.
Outcome Statement
In addition, we have provided an Outcome Statement which can be found here.
The outcome statement meets the FCA requirements for loan data and differs from our loan perfomance data below. In particular, the definition of default in the outcome statement is for payments more than 180 days late rather than when there is an enforcement of security, the % of number of loans in default rather than the % amount lent in default and the annual period is aligned to Crowdstacker's financial year end (YE 31st March) rather than per calendar year.
Property Development Loans
Returns Performance
| 2021 | 2022 | 2023 | 2024 | ||||
|---|---|---|---|---|---|---|---|
| Amount lent (£) | £1,218,186 | £2,980,000 | £3,995,559 | £3,833,328 | |||
| Actual annual return | 12.00% | 14.30% | 16.12% | 15.86% | |||
| Actual annual return to date of loans in origination year (%, after fees and bad debts). | |||||||
| Estimated annual return | 10.17% | 12.57% | 14.14% | 13.79% | |||
| Estimated annual return (after fees and estimated lifetime bad debt rate). | |||||||
| Realised Principal | 46.64% | 84.77% | 27.48% | 17.90% | |||
| Realised % (principal repaid excluding bad debts). | |||||||
| Gross annual interest rate | 17.00% | 19.51% | 21.41% | 21.86% | |||
| Gross annual interest rate (paid by borrower). | |||||||
Bad Debt Rates
| 2021 | 2022 | 2023 | 2024 | ||||
|---|---|---|---|---|---|---|---|
| Actual arrears as % of outstanding balances | 53.36% | 21.98% | 19.17% | 4.53% | |||
|
Total amount of payments more than 180 days late but not defaulted, as a percentage of all outstanding balances from loans made in a calendar year. |
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| Actual lifetime of bad debt rate | 0.00% | 0.00% | 0.00% | 0.00% | |||
| 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* | 1.83% | 1.74% | 1.98% | 2.07% | |||
| Estimated lifetime bad debt rate (defaults less recoveries) as a percentage of amount lent in a calendar year at origination. | |||||||
Business Loans
Returns Performance
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amount lent (£) | £2,717,011 | £15,394,001 | £17,098,310 | £19,101,624 | £4,617,517 | £4,393,301 | £1,243,075 | £1,762,433 | £644,720 | £0 | |||||||||
| Actual annual return | 6.15% | -35.81%* | -47.42%* | -2.76%* | 6.75% | 7.30% | 7.30% | -93.26%* | -75.62%* | 0.00% | |||||||||
| Actual annual return to date of loans in origination year (%, after fees and bad debts). | |||||||||||||||||||
| Estimated annual return | 5.15% | 5.13% | 5.54% | 5.70% | 5.75% | 6.30% | 6.30% | 5.74% | 7.82% | 0.00% | |||||||||
| Estimated annual return (after fees and estimated lifetime bad debt rate). | |||||||||||||||||||
| Realised Principal | 100.00% | 100.00% | 100.00% | 78.76% | 100.00% | 45.03% | 100.00% | 0.00% | 0.00% | 0.00% | |||||||||
| Realised % (principal repaid excluding bad debts). | |||||||||||||||||||
| Gross annual interest rate | 6.65% | 6.63% | 7.04% | 7.20% | 7.25% | 7.80% | 7.80% | 7.24% | 9.32% | 0.00% | |||||||||
| Gross annual interest rate (paid by borrower). | |||||||||||||||||||
Bad Debt Rates
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Actual arrears as % of outstanding balances | 0.00% | 0.00% | 0.00% | 19.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |||||||||
|
Total amount of payments more than 90 days late but not defaulted, as a percentage of all outstanding balances from loans made in a calendar year. |
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| Actual lifetime of bad debt rate | 0.00% | 41.94%* | 53.96%* | 9.46%* | 0.00% | 0.00% | 0.00% | 100.00%* | 84.44%* | 0.00% | |||||||||
| 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* | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | |||||||||
| Estimated lifetime bad debt rate (defaults less recoveries) as a percentage of amount lent in a calendar year at origination. | |||||||||||||||||||
Total Loans
Returns Performance
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amount lent (£) | £2,717,011 | £15,394,001 | £17,098,310 | £19,101,624 | £4,617,517 | £4,393,301 | £2,461,261 | £4,742,433 | £4,640,279 | £3,833,328 | |||||||||
| Actual annual return | 6.15% | -35.81%* | -48.02%* | -3.00%* | 6.75% | 7.30% | 9.62% | -25.67% | 3.38% | 15.86% | |||||||||
| Actual annual return to date of loans in origination year (%, after fees and bad debts). | |||||||||||||||||||
| Estimated annual return | 5.15% | 5.13% | 5.54% | 5.70% | 5.75% | 6.30% | 8.54% | 10.39% | 13.41% | 13.79% | |||||||||
| Estimated annual return (after fees and estimated lifetime bad debt rate). | |||||||||||||||||||
| Realised Principal | 100.00% | 100.00% | 100.00% | 78.76% | 100.00% | 100.00% | 31.17% | 58.41% | 25.82% | 17.90% | |||||||||
| Realised % (principal repaid excluding bad debts). | |||||||||||||||||||
| Gross annual interest rate | 6.65% | 6.63% | 7.04% | 7.20% | 7.25% | 7.80% | 12.35% | 14.95% | 20.11% | 21.86% | |||||||||
| Gross annual interest rate (paid by borrower). | |||||||||||||||||||
Bad Debt Rates
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Actual arrears as % of outstanding balances | 0.00% | 0.00% | 0.00% | 19.20% | 0.00% | 0.00% | 26.41% | 13.81% | 16.51% | 4.53% | |||||||||
|
Total amount of payments more than 90 days late (180 days for property loans) but not defaulted, as a percentage of all outstanding balances from loans made in a calendar year. |
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| Actual lifetime of bad debt rate* | 0.00% | 41.94%* | 53.96%* | 9.46%* | 0.00% | 0.00% | 0.00% | 37.16%* | 11.73%* | 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** | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.08% | 1.11% | 1.69% | 2.07% | |||||||||
| Estimated lifetime bad debt rate (defaults less recoveries) as a percentage of amount lent in a calendar year at origination. | |||||||||||||||||||
Please note: there are four Business Loans in administration that were originated primarily in 2016, 2017 and 2022, 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.
As a prudent measure, this will be a minimum of 1%.
Past performance does not guarantee future performance.