Individual investor earnings by portfolio
Most investors do very well from investing on the platform. Continuing to build well diversified portfolios can lead to great earnings over time. This chart includes all earnings to date, any potential earnings and is taken as a percentage of the portfolio balance, assuming all defaults are written off.
Actual monthly earnings
Investor earnings vary depending on how you build your portfolio. The following chart shows the annualised earnings of all investors within the community combined.
Total investor earnings
Every month businesses repay investors directly via the platform. Interest earned significantly outweighs any losses.
Interest earned by APR
Investors are earning interest from their loans and are repaid directly through the system automatically.
Investors that diversify their portfolio reduce their risk without impacting their potential returns.
We offer loans at different interest rates to cater for a wide range of businesses. You can earn generous returns that are paid back directly to you.
Businesses need loans of different values, multiple investors lend smaller amounts to make up the total value of the loan.
Length of arrears
On rare occasions, loans fall into arrears but we have a robust approach to recover these loans and help get the businesses back on track. This chart shows the number of distressed loans segmented by the length of arrears. A business is in default when we take them to court to recover the funds, any debt that is unrecoverable is written off.
Percentage of loans in arrears
It's important to invest in multiple businesses to help manage your portfolio risk. The following chart shows the balance of debt in distress expressed as a percentage of the total amount lent for each arrears segment.