Our statistics

Funding Circle is the leading small business loans platform, where investors lend to small businesses.

Amount originated

£4.5 billion
Lent globally to 46,625 small businesses

Loans under management

£2.3 billion
Loans outstanding globally

Jobs unlocked

75,000
Jobs created and sustained globally in 2017
Last updated: 31st March 2018
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Loans under management

The amount left to repay at the end of each year, excluding bad debt.

Amount originated

The amount investors have lent to businesses each year.

Disclaimer

This material contains certain tables and other statistical analyses that have been prepared by Funding Circle. Numerous assumptions have been used in preparing this statistical information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. The Information is provided as of the dates shown and is subject to updating and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the information. The information may contain various forward-looking statements, which are statements that are not historical facts and that reflect Funding Circle’s beliefs and expectations with respect to future events and financial and operational performance. These forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates and other factors, which may be beyond the control of Funding Circle and which may cause actual results or performance to differ materially from those expressed or implied from such forward-looking statements. Nothing contained within the information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical information contained in this statistical information is not indicative of future performance.

Performance statistics and projections verified by

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Loan performance over time

Projected annualised return¹

The graph below shows how loans are currently estimated to perform. Loans are shown by the year they were taken out, and are after fees and bad debt.

Funding Circle has a strong track record of delivering attractive, stable returns to investors.

Projected gross yield

The graph below shows the projected annualised interest rate paid by businesses. Loans are shown by the year they were taken out, and are before fees and bad debt.

Projected bad debt rate²

The graph below shows the projected annualised percentage of loans, by loan amount, that will not be repaid. Loans are shown by the year they were taken out and include recoveries.

The projected bad debt rate has remained stable over time.

Lifetime default rate

The graph below shows the current percentage of loans, by loan amount, that have not been repaid. Loans are shown by the year they were taken out and do not include future projections or recoveries, which reduce the bad debt experienced by investors.

Defaults have been stable over time, and typically follow the same pattern within a narrow range.

Footnotes
¹ Past performance is not a guide to future returns, and your capital is at risk when lending to businesses. As you are lending to your own individual portfolio of loans, actual returns may be higher or lower than estimated.
² It can take up to five years for loans to be fully repaid, so the projected return, projected gross yield and projected bad debt rate take into account how each year of loans are currently performing and how we currently expect them to perform in future. These expectations may be revised, for example if macroeconomic conditions change, and the projected return, projected gross yield and the projected bad debt rate may be adjusted to reflect this. Data is from Funding Circle. See how these returns are calculated.
Disclaimer

This material contains certain tables and other statistical analyses that have been prepared by Funding Circle. Numerous assumptions have been used in preparing this statistical information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. The Information is provided as of the dates shown and is subject to updating and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the information. The information may contain various forward-looking statements, which are statements that are not historical facts and that reflect Funding Circle’s beliefs and expectations with respect to future events and financial and operational performance. These forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates and other factors, which may be beyond the control of Funding Circle and which may cause actual results or performance to differ materially from those expressed or implied from such forward-looking statements. Nothing contained within the information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical information contained in this statistical information is not indicative of future performance.

Performance statistics and projections verified by

  1. uk flag UK
Disclaimer
This material contains certain tables and other statistical analyses that have been prepared by Funding Circle. Numerous assumptions have been used in preparing this statistical information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. The Information is provided as of the dates shown and is subject to updating and revision, and may change materially without notice. Subject to applicable regulations, no person is under any obligation to update or revise the information. The information may contain various forward-looking statements, which are statements that are not historical facts and that reflect Funding Circle’s beliefs and expectations with respect to future events and financial and operational performance. These forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates and other factors, which may be beyond the control of Funding Circle and which may cause actual results or performance to differ materially from those expressed or implied from such forward-looking statements. Nothing contained within the information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical information contained in this statistical information is not indicative of future performance.

Past performance is not a guide to future returns, and your capital is at risk when lending to businesses.