Improving our loan communications to investors

Over the last few months we have been looking at how we can further improve the information we share with investors regarding defaulted loans.

As you may be aware, in March we launched a RAG (Red, Amber, Green) rating system, also known as a Traffic Light system, in the Loan Comments in your summary page. Our Collections & Recoveries team provide regular detailed updates on loans currently late or in default where there has been a material development. So far, the feedback we have received from investors has been positive with many telling us they find the RAG system very helpful.

A summary email

As part of our goal to continue to improve communications around defaults, this month we have also started including a summary of your account within your monthly newsletter.

This includes:

– Your average return after fees and bad debts up to the end of preceding month (i.e. June)

– The number of businesses you were lending to

– The number of defaults you experienced in the last month, if any

– The total exposure of your overall investment this represents

This information, together with the RAG rating system will now replace the bad debt communication emails that are sent out each time a default happens. These emails will be phased out over the next month.

Together, these changes provide a regular, comprehensive overview of your account activities. Investors will not receive any less information regarding their accounts than before, as all information regarding loans is included in your summary page. We will continue to default loans on a Thursday and investors can see most recent defaults by reviewing comments in their summary page from noon every Thursday.

Introducing a live Q&A

In addition to these changes, we also want to provide you with a more direct way to communicate with our Collections & Recoveries team. From August, Andrew Jackson, our head of Collections & Recoveries will host a live Q&A every month. He will answer any questions around specific loans you have, and provide you with a general update on the team’s statistics.

If you would like to submit a question, please contact Due to data protection, all questions regarding loans must not contain the businesses name, so in your questions, please refer to any business by its loan ID.

The Funding Circle team


Jack Pritchett

Senior Communications Manager