Lending Statistics

Ablrate has been bringing borrowers and lenders together since 2014. Below are the lending statistics since that time.

Past performance is not a reliable indicator of future performance and there is no guarantee that these results will be repeated. Returns showed are net returns after capital losses.


Ablrate’s interactive statistic graphs

Total loans originated

Value of loans originated

Average loan size

Number of Loans

Average loan term

Loan settlement per year

Defaults by year and Actual crystallised losses

Expected losses, Projected losses and average interest across all loans

£10k invested in 2016 value

Returns after capital loss

*The overall return assumes that that £10,000 was invested on the platform at the beginning of 2016, that all interest and capital returned was reinvested across all loans. The calculation does not take into account loans that default multiple years after they were written (as more interest would have been accrued) but that they defaulted and losses are accrued in the year they were written. Returns do not take into account Instant Returns or loans that were bought at a discount or premium.

2021 figures are up to 30th June and have been assumed as an end of year figure.

The default figures are those loans that have defaulted due to none payment of capital and those that are in technical default with over 90 days late payments.

Past performance is no guarantee or indication of future performance.

Outcomes statements

Ablrate will publish an Outcomes Statement that clearly sets out the performance of the loans offered on the platform. It will show you the expected and actual default rate of all loans originated within the financial year. As an FCA requirement, an Outcomes Statement must be published within four months of the end of each financial year.

2020 statement

2021 statement