Our statistics

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

Amount originated

$7.8 billion
Lent globally to 56,000 small businesses

Loans under management

$3.7 billion
Loans outstanding globally

Jobs unlocked

75,000
Jobs created and sustained globally in 2017
Last updated: September 30, 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.

Important Disclaimer

Please see Definitions page. The information contained on this site is being provided for informational purposes only, and is not intended as an offer or solicitation to invest in loans. All charts and graphs are shown for illustrative purposes only. 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. Opinions, estimates, and forecasts constitute our judgment and are subject to change without notice. The information provided should not be construed as legal, tax, investment, financial, or accounting advice. Investors must make their own decisions and must not rely upon the information on this site in evaluating the merits of investing in loans. 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 contains 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. Funding Circle cautions that 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. Information provided on this site is provided “as is.” To the fullest extent permitted by law, Funding Circle disclaims any and all express or implied warranties, including, but not limited to, any warranties of merchantability, suitability or fitness for a particular purpose or use, and non-infringement of third party rights. Past performance is not an indication of future returns, and your capital is at risk when lending to businesses. As you are lending to your own individual portfolio of loans, your actual return may be higher or lower than estimated. Additional information regarding how returns are calculated is available upon request.

Performance statistics and projections verified by

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Loan performance over time¹

Projected annualized return²

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 is on track to deliver increasing returns over time as operations mature and more data is accumulated.

Projected gross yield

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

Gross yield is decreasing slightly over time, reflecting the transition towards lower risk borrower segments.

Projected bad debt rate³

The graph below shows the projected annualized 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 been improving over time thanks to stronger risk models from the accumulation of more data and improved brand recognition.

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 decreasing over time by attracting more high-quality borrowers and deploying stronger risk tools.

Footnotes
¹ In January 2016, Funding Circle significantly altered its loan eligibility requirements and revised its credit evaluation process. To provide a more accurate representation of the progression of loan performance, the 2015 information includes loans originated through 1/19/2016.
² Please see Definitions page. Past performance is not an indication of future returns, and your capital is at risk when lending to businesses. As you are lending to your own individual portfolio of loans, your actual return may be higher or lower than estimated.
³ Please see Definitions page. 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.
Important Disclaimer

Please see Definitions page. The information contained on this site is being provided for informational purposes only, and is not intended as an offer or solicitation to invest in loans. All charts and graphs are shown for illustrative purposes only. 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. Opinions, estimates, and forecasts constitute our judgment and are subject to change without notice. The information provided should not be construed as legal, tax, investment, financial, or accounting advice. Investors must make their own decisions and must not rely upon the information on this site in evaluating the merits of investing in loans. 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 contains 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. Funding Circle cautions that 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. Information provided on this site is provided “as is.” To the fullest extent permitted by law, Funding Circle disclaims any and all express or implied warranties, including, but not limited to, any warranties of merchantability, suitability or fitness for a particular purpose or use, and non-infringement of third party rights. Past performance is not an indication of future returns, and your capital is at risk when lending to businesses. As you are lending to your own individual portfolio of loans, your actual return may be higher or lower than estimated. Additional information regarding how returns are calculated is available upon request.

Performance statistics and projections verified by

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Footnotes
¹ Funding Circle does not currently offer loans to businesses primarily located in Nevada due to state lending regulations.
Important Disclaimer
Please see Definitions page. The information contained on this site is being provided for informational purposes only, and is not intended as an offer or solicitation to invest in loans. All charts and graphs are shown for illustrative purposes only. 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. Opinions, estimates, and forecasts constitute our judgment and are subject to change without notice. The information provided should not be construed as legal, tax, investment, financial, or accounting advice. Investors must make their own decisions and must not rely upon the information on this site in evaluating the merits of investing in loans. 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 contains 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. Funding Circle cautions that 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. Information provided on this site is provided “as is.” To the fullest extent permitted by law, Funding Circle disclaims any and all express or implied warranties, including, but not limited to, any warranties of merchantability, suitability or fitness for a particular purpose or use, and non-infringement of third party rights. Past performance is not an indication of future returns, and your capital is at risk when lending to businesses. As you are lending to your own individual portfolio of loans, your actual return may be higher or lower than estimated. Additional information regarding how returns are calculated is available upon request.

Past performance is not an indication of future returns, and your capital is at risk when lending to businesses.