Statistics
A proven track record will always give you confidence.
Since the start, Kuflink has always been proud of its track record when it comes to facts and figures. However, to some that is all just a load of numbers in a spreadsheet, so we have taken the time to break it down for you below.
Any other questions? Give the team a shout and they will be happy to help!
TOTAL AMOUNT INVESTED
£ 93,178,055
CAPITAL REPAID
£ 59,314,777
SECONDARY MARKET SALES
£ 1,933,441
GROSS LOAN LENT IN OCTOBER
£ 2,366,875
CAPITAL & INTEREST REPAID IN OCTOBER
£ 1,659,967
NET LOAN OUTSTANDING
£ 36,407,524
Figures correct as of 31st October 2020
You can view historical data here.
Kuflink's Active Loan Book
Correct as of 31st October 2020
Loan Count
97
Total Gross Loan Amount
£48.87m
Total Net Loan Amount
£41.75m
Average Gross LTV
63%
Average Net LTV
55%
Average Gross Loan
£0.50m
Average Monthly Interest Rate
1.1%
% Resi VS Commercial
77% / 23%
Average Contractual Term (Mo.)
11
Default Rates by Risk Category
As with all P2P investment platforms your capital is at risk.
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.
FCA's Default Definition
A loan is in default when the borrower is past the contractual payment due date by more than 180 days (approx. 6 calendar months).
The rate (as a percentage) is the total of the gross loan amounts in default divided by the total gross loan amount over the same period times by 100.
Rates below taken on April 27th of each respective year.
2018
0%
2019
0%
2020
0%
2021*
0%
2018
0%
2019
0.44%
2020
1%
2021*
0.71%
2018
0%
2019
0%
2020
0%
2021*
0%
*For the predictive default rate, the definition used was the average over the 3 years 2018-2020.
Kuflink's Default Definition
A loan is in default when it is 1 calendar month past a missed payment, with this payment still outstanding. This may be a monthly servicing payment or the full repayment at the end of the term.
The rate (as a percentage) is the total of the gross loan amounts in default divided by the total gross loan amount over the same period times by 100.
Rates below taken on April 27th of each respective year.
2018
0%
2019
0%
2020
17%
2021*
7%
2018
0%
2019
7%
2020
24%
2021*
14%
2018
0%
2019
73%
2020
0%
2021*
41%
*For the predictive default rate, the definition used was the average over the 3 years 2018-2020.
In the event a loan goes into default as a result of late payment of interest or capital, Kuflink will immediately start taking action to recover the funds or remedy the loan on investor’s behalf. You will continue being paid interest until the loan is repaid.
To date, our investors have not had any losses as a result of defaults.
Historical Track Record
Above was the here and now…so what about the past?
To prove it, feel free to take a look at our historical track record via the button below
Award Winning
