Bad Debt Rates

At Invest & Fund, we are committed to providing a transparent service to our Lenders to enable them to make an independent, well-informed decision about lending via our platform.

Alongside disclosure of our credit assessment for each individual loan that is posted on our marketplaces, we are committed to informing our Lenders about the bad debt performance of the property loans that have been funded via our site.

Bad Debt Rates

Date of last update: 30th Sept 2018

Origination Year
(Hover over rates for description) 2014 2015 2016 2017 2018 2019 on
Potential bad debts 0% 0% 0% 0% 0% 0%
Bad debts written off 0% 0% 0% 0% 0% 0%
Expected capital loss from defaulted loans (blended rate) Nil actual Nil actual Nil actual 0.237% 0.292% 0.278%

The figures shown in the table above represent weighted averages across all of the loans originated via the Invest & Fund Platform in a calendar year and do not reflect a loan by loan assessment. ‘Expected capital loss from defaulted loans (blended rate)’ is a forecast and is not an indicator of future results, so in the event of an economic downturn and/or higher interest rates and/or reduced market liquidity or a combination of these and other factors the capital loss rates could be much higher.

Before making a lending decision, Lenders should ensure they have reviewed sufficient information to ascertain the legal, financial, tax and regulatory consequences of a loan, to enable them to make an informed decision.

For further information on our default procedures please see our Lender FAQ section.

If you have any further questions on the figures above please contact us.