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Kuflink Statistics Information

(As At 01 April 2024)

A proven track record will always give you confidence.

Kuflink is FCA Regulated with a commitment to Transparency. Here is a breakdown of our Lending performance and our Investor Returns Performance. 

Figures correct as of 30th September 2021. You can view historical data here

Cumulative Lending Track Record

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 Year20162017201820192020202120222023Total / Wt Avg.OPEN Loans
Loan Count642437577106146102595174
Total Gross Loan Amount£0.6 m £24.2 m £12.9 m £36 m £36.5 m £84.9 m £68.8 m £96.7 m £346.3 m £130 m
Total Net Loan Amount£0.6 m £9.4 m £11.9 m £33.2 m £20.6 m £48.4 m £52.1 m £52 m £228.5 m £114 m
Average Gross LTV47 %56 %54 %70 %57 %62 %66 %75 %66 %66 %
Average Net LTV46 %55 %50 %65 %51 %54 %60 %56 %57 %58 %
Average Gross Loan£0.11 m£0.24 m£0.27 m£0.44 m£0.4 m£0.63 m£0.42 m£0.7 m£0.48 m£0.8 m
Average Property Value£0.36m£0.66m£0.65m£0.82m£0.61m£0.84m£0.56m£0.69m£0.70m£0.9m
Average Monthly Interest Rate1.5 %1.4 %1.1 %1.1 %1.1 %1.0 %1.0 %1.1 %1.1 %1.1 %
Average Contractual Term (Mo.)691010121212121113
Average Actual Term (Mo) (2)9121213141412131214
Average Additional Months2223231271
% of Loans Repaid Late (vs Gross Loan)45.4 %0.0%0.0%7.40.4 %13.8 %14.3 %5.8 %8.7 %9.66 %

Active Loan Book

Annual Investment returns

Select Invest % Interest Rate per year

Pool Invest % Interest Rate per year

Default Rates by Risk Category

FCA's Default Definition

*For the predictive default rate, the definition used was the simple average of the percentages over the 4 years 2018-2021.

Kuflink's Default Definition

*For the predictive default rate, the definition used was the simple average of the percentages over the 4 years 2018-2021.

Forbearance between 27th April 2020 to 27th April 2021.
  • 30 Loans that were on the platform during this period were provided with forbearance
  • 29 of these were due to covid and 1 was due to long term financial difficulties
  • 26 of these loans have then been repaid in full following forbearance (Updated 17th November 2021)

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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