Kuflink Statistics Information
As of April 2026
A proven track record will always give you confidence.
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
GROSS LOAN LENT IN APRIL-26
Capital Repaid
Capital Repaid in April-26
Secondary Market Sales
Net Loan Outstanding in APRIL-26
Cumulative Lending Track Record
Cumulative per year includes all loans completed/written 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 | 998 | 183 |
| 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 | £451.6 m | £135.9 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 | £420.5 m | £151.2 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% | 62% |
| 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 | £0.74 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 | £0.73 m | £1.2 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% | 1.26% |
| 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 | 13.8 % | 13.81 % |
Active Loan Book
| Loan Count | 183 |
| Total Gross Loan Amount | £135.9 m |
| Total Net Loan Amount | £151.2 m |
| Average Gross LTV | 69% |
| Average Net LTV | 62% |
| Average Gross Loan | £0.74 m |
| Average Property Value | £1.2 m |
| Average Monthly Interest Rate | 1.26% |
| Average Contractual Term (Mo.) | 11 |
| Average Actual Term (Mo) (2) | 11 |
| Average Additional Months | 1 |
| % of Loans Repaid Late (vs Gross Loan) | 13.81% |
Outcome Statement
Investment Performance & Use of Kuflink Funds
Kuflink is committed to providing clear, transparent information about how your investments perform.
Historic Loss Coverage
For the period from 28/04/2024 to 27/04/2025
Kuflink contributed a total of £315,027.30 from its own funds to cover investor shortfalls on the following loans:
| Loan | Amount Covered by Kuflink * | Reason | Impact on Investors |
|---|---|---|---|
| Honeystreet | £127,376.12 | Default by Borrower | Whole |
| Southwark Park Road | £176,176.30 | Default by Borrower | Whole |
| Springfield Avenue | £11,474.89 | Default by Borrower | Whole |
| £315,027.30 |
* Amount covered by Kuflink is when Amount Received from Borrower plus Amount Retained as Interest is less than what is paid to investors as capital and interest.
From 25 September 2025, Kuflink no longer uses its own funds to cover investor losses. Investment returns now reflect borrower repayments directly.
Timeframe Statement
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.
Annual Investment Returns
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)
Select Invest % Interest Rate per year
| Year | Rate |
|---|---|
| 2017 | ~6.8% |
| 2018 | ~6.9% |
| 2019 | ~6.9% |
| 2020 | ~6.9% |
| 2021 | ~7.0% |
| 2022 | ~6.9% |
| 2023 | ~7.3% |
| 2024 | ~8.6% |
| 2025 | ~8.8% |
Regulatory Year Ending At 27th of April
Pool Invest % Interest Rate per year
| Year | 1-Year | 2-Year | 3-Year | 5-Year |
|---|---|---|---|---|
| 2018 | ~4.0% | ~5.0% | ~5.3% | — |
| 2019 | ~5.0% | ~6.2% | ~5.5% | — |
| 2020 | ~5.0% | ~6.7% | ~7.0% | — |
| 2021 | ~5.0% | ~6.1% | ~7.0% | — |
| 2022 | ~5.0% | ~6.0% | ~7.0% | — |
| 2023 | ~5.5% | ~6.0% | ~7.5% | — |
| 2024 | ~8.0% | ~9.5% | ~9.5% | ~7.0% |
| 2025 | ~9.5% | ~9.5% | ~9.0% | ~7.0% |
Regulatory Year Ending At 27th of April
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.
Default Definition
A loan is in default when it is 180 days calendar month past a missed payment (in line with the FCA) with this payment still outstanding. Kuflink loan management team will begin to take action the moment a loan becomes overdue (1 day past).
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.
*For the predictive default rate, the definition used was the weighted average of the percentages over the 8 years 2018-2025.
Predictive Default Rate Methodology
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:
- that the default rate is not trending but reflects a stable long-term average;
- that a multi-year historical observation window is representative of future performance;
- that year-end default positions accurately reflect underlying risk; and
- that historical performance is a reasonable predictor of future defaults under current market conditions.
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.
*For the predictive default rate, the definition used was the weighted average of the percentages over the 7 years 2018-2024.
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.
Forbearance
Forbearance between 1st May 2021 to 31st July 2023
- During this period 18 loans have been provided with forbearance
- 17 of these loans have repaid in full and one is currently open (Updated 1st September 2023)
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)