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Kuflink is Authorised and Regulated by the Financial Conduct Authority with a commitment to Transparency. Here is a breakdown of our Lending performance and our Investor Returns Performance.
TOTAL AMOUNT INVESTED £435,529,269
GROSS LOAN LENT IN JULY-25
£14,084,602.59
CAPITAL REPAID
£310,886,814
CAPITAL REPAID JULY-25
£7,383,737.82
SECONDARY MARKET SALES £6,983,573.93
NET LOAN OUTSTANDING IN JULY-25 £139,925,668
Cumulative per year includes all loans completed/writen in that year, month by month, whether open or closed now. Active Loan book includes all live/open loans regardless of when the loan was completed/written.
| Origination Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total / Wt Avg. | OPEN Loans | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Count | 10 | 44 | 44 | 75 | 77 | 108 | 143 | 123 | 229 | 121 | 974 | 241 | |
| Total Gross Loan Amount | £1.19 m | £11.6 m | £12.8 m | £33.1 m | £27.9 m | £65.4 m | £56.3 m | £83.3 m | £87.97 m | £60.01 m | £439.6 m | £164.49 m | |
| Total Net Loan Amount | £1.19 m | £11.6 m | £12.84 m | £33.08 m | £20.42 m | £58.1 m | £49.83 m | £61.96 m | £98.52 m | £51.77 m | £399.3 m | £152.12 m | |
| Average Gross LTV | 53 % | 57 % | 56 % | 58 % | 58 % | 66 % | 67 % | 65 % | 63% | 65% | 63% | 69% | |
| Average Net LTV | 51 % | 56 % | 52 % | 53 % | 51 % | 58 % | 60 % | 57 % | 56 % | 57% | 56% | 61% | |
| Average Gross Loan | £0.12 m | £0.26 m | £0.29 m | £0.44 m | £0.36 m | £0.61 m | £0.39 m | £0.68 m | £0.38 m | £0.495 m | £0.45 m | £0.61 m | |
| Average Property Value | £0.45 m | £0.69 m | £0.64 m | £0.82 m | £0.58 m | £0.75 m | £0.53 m | £0.72 m | £0.68 m | £0.91 m | £0.71 m | £0.95 m | |
| Average Monthly Interest Rate | 1.9 % | 1.5 % | 1.1 % | 1.1 % | 1.1 % | 1.0 % | 1.0 % | 1.1 % | 1.3% | 1.3% | 1.14 % | 1.24 % | |
| Average Contractual Term (Mo.) | 8 | 10 | 10 | 10 | 11 | 12 | 11 | 12 | 9 | 9 | 11 | 11 | |
| Average Actual Term (Mo) (2) | 10 | 12 | 12 | 12 | 14 | 15 | 12 | 13 | 9 | 9 | 12 | 11 | |
| Average Additional Months | 1 | 2 | 2 | 2 | 2 | 3 | 1 | 1 | 0 | 0 | 1 | 1 | |
| % of Loans Repaid Late (vs Gross Loan) | 0.00 % | 3 % | 1 % | 6 % | 1 % | 17 % | 7.0 % | 26 % | 14 % | 0 | 13.00 % | 13.00 % |
| Origination Year | OPEN Loans |
|---|---|
| Loan Count | 241 |
| Total Gross Loan Amount | £164.49 m |
| Total Net Loan Amount | £152.12 m |
| Average Gross LTV | 69 % |
| Average Net LTV | 61 % |
| Average Gross Loan | £0.61 m |
| Average Property Value | £0.96 m |
| Average Monthly Interest Rate | 1.24 % |
| Average Contractual Term (Mo.) | 11 |
| Average Actual Term (Mo) (2) | 11 |
| Average Additional Months | 1 |
| % of Loans Repaid Late (vs Gross Loan) | 13.00% |
This Outcomes Statement is published in accordance with FCA rules (COBS 18.12.21R–23R) and sets out expected and actual default rates, assumptions used in determining expected defaults, and actual returns where a target rate was offered.
This Outcomes Statement covers the financial year ended 27/04/25. It will remain publicly available for at least 10 years, in line with FCA requirements.
Here’s a snapshot of Kuflink Select Invest and Pool performance since launch. These are what Investment returns look like in different product types – Select invest, Pool (Auto and IF-ISA Invest)
We are sure you will have seen all our risk warnings (such as capital is at risk & Kuflink is not protected by the FSCS) that our compliance team make sure we put everywhere. We also categorise our deals with a risk rating, below is a quick chart to show the default rate % over the years allocated to each category.
*For the predictive default rate, the definition used was the weighted average of the percentages over the 8 years 2018-2025.
The expected future default rate is calculated using an average of loan defaults observed at the end of each regulatory year, based on eight years of historical data. The calculation uses the total value of loans in default (numerator) divided by the total loan book at year-end (denominator).
The assumptions used in determining this expected future default rate include:
(1) that the default rate is not trending but reflects a stable long-term average;
(2) that a multi-year historical observation window is representative of future performance;
(3) that year-end default positions accurately reflect underlying risk; and
(4) that historical performance is a reasonable predictor of future defaults under current market conditions.
*For the predictive default rate, the definition used was the weighted average of the percentages over the 7 years 2018-2024.
* The expected future default rate is calculated using an average of loan defaults observed at the end of each regulatory year, based on seven years of historical data. The calculation uses the total value of loans in default (numerator) divided by the total loan book at year-end (denominator).
The assumptions used in determining this expected future default rate include:
(1) that the default rate is not trending but reflects a stable long-term average;
(2) that a multi-year historical observation window is representative of future performance;
(3) that year-end default positions accurately reflect underlying risk; and
(4) that historical performance is a reasonable predictor of future defaults under current market conditions.
Disclaimer: The above Information contains tables and other statistical analyses that Kuflink has prepared. We have used numerous assumptions in preparing this statistical Information, which may or may not be reflected in the material. The statistical information should not be construed as legal, tax, investment, financial, or accounting advice. 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 may contain various forward-looking statements, which are statements that are not historical facts and that reflect Kuflink’s beliefs and expectations with respect to future events and financial and operational performance. These forward-looking statements involve known and unknown risks, uncertainties, assumptions, estimates and other factors, which may be beyond the control of Kuflink and which may cause actual results or performance to differ materially from those expressed or implied from such forward-looking statements. Nothing contained within the Information is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loans. Any historical Information contained in this statistical information is not indicative of future performance.
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