A good investor seeks minimum investment risk with maximum return. This is what the Crowd2Fund credit team work tirelessly to deliver.

Crowd2Fund carefully handpick opportunities to list on the platform, conduct thorough due diligence and take security or a director’s guarantee for the loan where possible. Any loan security or director guarantee is clearly shown on the opportunity profile. We work closely with businesses and monitor them to reduce the risk of a default.

Anyone lending on a peer to peer platform must understand that there are risks involved and, as hard as we try to avoid losses, it is inevitable some losses will be experienced. This page sets out the losses we have experienced over the last 12 months.

Actual platform performance

Jul
15
Aug
15
Sep
15
Oct
15
Nov
15
Dec
15
Jan
16
Feb
16
Mar
16
Apr
16
May
16
Jun
16
12 months
avg
Actual gross APR9.02%9.02%9.02%9.02%9.02%9.22%9.22%9.33%9.33%9.33%9.22%9.29%9.17%
Late repayments0%0%0%0%0%0%0%0%0.09%0.18%0.27%0%0%
Defaulted loans0%0%0%0%0%0%0%0%0%0%0%0%0%
Written off loans0%0%0%0%0%0%0%0%0%0%0%0%0%

Past performance and forecasts are not reliable indicators of future results.

Capital at risk.

Tax treatment is dependent on individual circumstance and is subject to change.

Actual returns

Actual losses

Example investment returns

Loan Interest
Rate
Amount
Invested
Investment
Term
Interest
Earned
Crowd2Fund
Fees
Net actual Earnings without
repayments reinvested
Net earnings where
repayments are re-invested
Estimated % return with
repayments re-invested
8.7%£5,00012 months£238.75£52.39£186.36£380.657.61%
8.7%£5,00024 months£465.57£54.56£411.01£848.7716.97%
8.7%£5,00036 months£698.85£56.99£641.86£1,357.6127.15%
8.7%£5,00048 months£938.28£59.38£878.9£1,910.7238.21%
8.7%£5,00060 months£1,183.92£61.84£1,122.08£2,511.9550.24%

Assumes the £5000 loan is paid back monthly with interest and initial capital lent

Assumes the reinvested repayments are re-invested at 8.7% APR

Past performance and forecasts are not reliable indicators of future results.

Capital at risk.

Tax treatment is depend on individual circumstance and is subject to change.

Definitions

Actual gross APR

12 months to May 16 - 9.14%

This is the annual percentage return for active loans on the platform. It is calculated by taking an average of the APR across all loans. The average APR is not weighted based on the value of the monies lent and assumes that the average APR is achievable based on lending the same amount to all loans listed on the platform for the last 12 months.

Late repayments

Current platform late repayments - 0%

This percentage is the percentage of the overall loan book where the repayment is late but is recoverable and has not yet defaulted. Businesses sometimes make a late repayment due to unforeseen circumstances.

Defaulted loans

All time platform defaults - 0%

This is the amount of loans that are in default and undergoing legal proceedings. If a loan defaults, it does not necessarily mean it is not recoverable. It is important to expect some defaults. Past performance is not an accurate indicator of future performance.

Written off loans

All time written off loans - 0%

This is the percentage of loans that are not recoverable and your total losses to date. To reduce your investment risk, it is always advisable to invest in different businesses and different products.

Target estimated gross APR

12 months from May 16 to May 17 - 8.7%

The estimated APR is our target APR, which is calculated before target defaults of 0.5% and investor fees. Sometimes the actual APR may vary and is estimated based on our forecast market conditions and demand for credit in the marketplace. This APR is gross and actual returns may be higher or lower depending on market conditions and the businesses the investor chooses to invest in.

Risk warning

Investments like these involve risks including loss of capital. Please see our risk section before making an investment decision