1 month
Market data
UK Net Returns
as at 30 Sept 2018
0.27%
4.29%
1 year
16.74%
3 year
Brismo Lending Returns Index - UK - Loss Coverage = 2.56x
Multiple by which interest income covers net loss
The Brismo UK Lending Returns Index measures the returns available from tech enabled lending in the UK. Index values are published as an annualised return, measuring what an equal time-weighted exposure to every loan originated by the participating originators would have generated over the preceding 12 month period. The return has been calculated after fees and is expressed net of losses. Index calculations are based on loan level data from:
- Funding Circle
- Market Invoice
- RateSetter
- Zopa
Originator Returns
| Region | Originator | 1 Year net return | 3 Year net return | Verified |
|---|---|---|---|---|
| UK - as at 31 December 2018 |  |
1.0 | 2.8 |  |
| UK - as at 31 December 2018 |  |
4.3 | 14.9 | |
| UK - as at 31 December 2018 |  |
3.6 | 11.8 | |
| UK - as at 31 December 2018 |  |
8.5 | 28.8 | |
| UK - as at 31 July 2018 |  |
4.2 | 12.2 | |
| UK - as at 30 September 2018 |  |
3.0 | 18.6 | |
| EU - as at 31 December 2018 |  |
4.6 | 16.7 | |
| EU - as at 31 December 2018 |  |
5.6 | 16.9 | |
| US - as at 30 November 2018 |  |
4.4 | 15.6 | |
Brismo provide an asset performance verification service for the platforms listed above. Using loan level information Brismo are able to verify key metrics and represent net return to a consistent methodology to allow like for like comparison.
Regional Volume
Gross origination volume – Latest updates*
millions
| Region | 90 Day | Year to date | Cumulative |
|---|---|---|---|
| AUS - AUD | 100.4 | 17.9 | 1,882.2 |
| Asia - Local currency | 0.0 | 0.0 | 104.1 |
| EU - EUR | 801.1 | 134.6 | 6,741.1 |
| LATAM - Local currency | 93.3 | 20.8 | 910.7 |
| UK - GBP (excl crowdfunding) | 1,023.4 | 71.6 | 15,205.0 |
| US - USD | 0.0 | 0.0 | 88,859.1 |
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UK Volume
Gross origination volume – Latest updates*
GBP millions
| Platform Name | 90 Day Market Share | 90 Day | Year to date | Cumulative | Category | Verified | 36H |
|---|---|---|---|---|---|---|---|
| Funding Secure | 3.9 | 16.3 | 0.0 | 296.4 | i. Consumer lenders | 36H | |
| Lending Works | 3.3 | 13.5 | 3.7 | 148.9 | i. Consumer lenders | 36H | |
| RateSetter | 47.4 | 196.1 | 45.4 | 3,017.9 | i. Consumer lenders | |
36H |
| Zopa | 45.4 | 187.9 | 0.0 | 3,923.2 | i. Consumer lenders | |
36H |
| Ablrate | 0.7 | 1.1 | 0.4 | 44.8 | ii. Business lenders | 36H | |
| Abundance Generation | 6.2 | 9.5 | 0.0 | 82.3 | ii. Business lenders | ||
| ArchOver | 4.6 | 7.0 | 1.0 | 88.6 | ii. Business lenders | 36H | |
| Assetz Capital | 44.4 | 67.8 | 4.1 | 701.5 | ii. Business lenders | |
36H |
| Downing Crowd | 2.9 | 4.4 | 0.0 | 77.7 | ii. Business lenders | ||
| Folk2Folk | 3.7 | 5.6 | 1.6 | 268.9 | ii. Business lenders | 36H | |
| FundingKnight | 0.0 | 0.0 | 0.0 | 31.5 | ii. Business lenders | 36H | |
| LendingCrowd | 2.8 | 4.3 | 0.2 | 49.3 | ii. Business lenders | 36H | |
| Money&Co | 0.0 | 0.0 | 0.0 | 7.9 | ii. Business lenders | ||
| MoneyThing | 0.0 | 0.0 | 0.0 | 86.1 | ii. Business lenders | 36H | |
| Rebuildingsociety | 0.1 | 0.1 | 0.0 | 13.2 | ii. Business lenders | 36H | |
| ThinCats | 34.6 | 52.8 | 0.0 | 385.7 | ii. Business lenders | 36H | |
| UK Bond Network | 0.0 | 0.0 | 0.0 | 12.3 | ii. Business lenders | ||
| CrowdProperty | 2.1 | 5.5 | 1.2 | 28.1 | iii. Property lenders | |
36H |
| Landbay | 17.5 | 46.4 | 10.0 | 240.5 | iii. Property lenders | |
36H |
| LendInvest | 72.1 | 191.3 | 0.0 | 1,996.5 | iii. Property lenders | ||
| Lendy | 1.5 | 4.0 | 4.0 | 424.3 | iii. Property lenders | 36H | |
| Octopus Choice | 3.3 | 8.7 | 0.0 | 264.0 | iii. Property lenders | 36H | |
| Proplend | 2.5 | 6.7 | 0.0 | 53.2 | iii. Property lenders | 36H | |
| Relendex | 1.0 | 2.7 | 0.0 | 25.1 | iii. Property lenders | 36H | |
| Wellesley & Co. | 0.0 | 0.0 | 0.0 | 484.9 | iii. Property lenders | ||
| Investly | 0.3 | 0.5 | 0.1 | 8.3 | iv. Receivables financing | ||
| MarketInvoice | 99.7 | 191.3 | 0.0 | 2,444.0 | iv. Receivables financing | |
A subscription to Brismo Analytics provides the full history of our volume data set together with the ability to segment the information and plot a time series.
EU Volume
Gross origination volume – Latest updates*
EUR millions
| Platform Name | 90 Day Market Share | 90 Day | Year to date | Cumulative | Category | Verified |
|---|---|---|---|---|---|---|
| Auxmoney | 0.0 | 0.0 | 0.0 | 1,099.8 | i. Consumer lenders | |
| Bondora | 3.7 | 24.5 | 5.9 | 178.1 | i. Consumer lenders | |
| Fellow Finance | 8.0 | 52.4 | 11.3 | 370.2 | i. Consumer lenders | |
| Finansowo | 0.1 | 0.6 | 0.2 | 25.6 | i. Consumer lenders | |
| Fixura | 0.9 | 5.7 | 1.3 | 97.0 | i. Consumer lenders | |
| IUVO | 1.7 | 11.0 | 2.5 | 41.5 | i. Consumer lenders | |
| Klear | 0.0 | 0.0 | 0.0 | 1.6 | i. Consumer lenders | |
| Kokos | 0.0 | 0.0 | 0.0 | 38.1 | i. Consumer lenders | |
| Lendify | 0.0 | 0.0 | 0.0 | 138.6 | i. Consumer lenders | |
| Mintos | 68.0 | 445.5 | 89.4 | 1,619.8 | i. Consumer lenders | |
| Prestiamoci | 0.3 | 1.8 | 0.0 | 18.1 | i. Consumer lenders | |
| Savy | 0.2 | 1.4 | 0.3 | 15.8 | i. Consumer lenders | |
| Smartika | 0.0 | 0.3 | 0.0 | 30.3 | i. Consumer lenders | |
| Twino | 6.8 | 44.4 | 0.0 | 421.9 | i. Consumer lenders | |
| Viventor | 1.5 | 9.6 | 2.3 | 65.3 | i. Consumer lenders | |
| Younited Credit | 8.6 | 56.1 | 12.8 | 839.8 | i. Consumer lenders | |
| Zank | 0.2 | 1.0 | 0.0 | 8.7 | i. Consumer lenders | |
| Zlty Melon | 0.1 | 0.6 | 0.0 | 11.6 | i. Consumer lenders | |
| Arboribus | 0.6 | 0.4 | 0.0 | 19.6 | ii. Business lenders | |
| Borsa del Credito | 11.6 | 8.1 | 0.0 | 52.4 | ii. Business lenders | |
| ClicInvest | 0.0 | 0.0 | 0.0 | 1.1 | ii. Business lenders | |
| Comunitae | 0.0 | 0.0 | 0.0 | 44.8 | ii. Business lenders | |
| Credit.fr | 0.0 | 0.0 | 0.0 | 26.2 | ii. Business lenders | |
| Geldvoorelkaar | 18.4 | 12.9 | 2.2 | 156.3 | ii. Business lenders | |
| Lendahand | 6.5 | 4.5 | 1.0 | 43.3 | ii. Business lenders | |
| Linked Finance | 8.8 | 6.1 | 0.0 | 77.0 | ii. Business lenders | |
| LoanBook | 3.1 | 2.2 | 0.8 | 52.6 | ii. Business lenders | |
| MytripleA | 9.4 | 6.6 | 0.0 | 48.4 | ii. Business lenders | |
| October | 40.4 | 28.3 | 3.1 | 249.1 | ii. Business lenders | |
| Pret UP | 1.4 | 1.0 | 0.0 | 9.2 | ii. Business lenders | |
| Raize | 0.0 | 0.0 | 0.0 | 11.2 | ii. Business lenders | |
| Unilend | 0.0 | 0.0 | 0.0 | 33.0 | ii. Business lenders | |
| EstateGuru | 100.0 | 13.8 | 1.7 | 93.8 | iii. Property lenders | |
| Crealsa | 18.8 | 11.7 | 0.0 | 185.9 | iv. Receivables financing | |
| Credimi | 43.2 | 27.0 | 0.0 | 189.6 | iv. Receivables financing | |
| Finexkap | 17.0 | 10.6 | 0.0 | 230.0 | iv. Receivables financing | |
| Investly | 3.8 | 2.4 | 0.0 | 26.5 | iv. Receivables financing | |
| Workinvoice | 17.1 | 10.7 | 0.0 | 169.5 | iv. Receivables financing |
A subscription to Brismo Analytics provides the full history of our volume data set together with the ability to segment the information and plot a time series.
US Volume
Gross origination volume – Latest updates*
USD millions
| Platform Name | 90 Day Market Share | 90 Day | Year to date | Cumulative | Category | Verified |
|---|---|---|---|---|---|---|
| LendingClub | 0.0 | 0.0 | 0.0 | 36,189.7 | i. Consumer lenders | |
| Prosper | 0.0 | 0.0 | 0.0 | 13,123.6 | i. Consumer lenders | |
| Sofi | 0.0 | 0.0 | 0.0 | 30,000.0 | i. Consumer lenders | |
| OnDeck | 0.0 | 0.0 | 0.0 | 9,545.8 | ii. Business lenders |
A subscription to Brismo Analytics provides the full history of our volume data set together with the ability to segment the information and plot a time series.
AUS Volume
Gross origination volume – Latest updates*
AUD millions
| Platform Name | 90 Day Market Share | 90 Day | Year to date | Cumulative | Category | Verified |
|---|---|---|---|---|---|---|
| Harmoney | 47.2 | 43.5 | 0.0 | 969.6 | i. Consumer lenders | |
| RateSetter Australia | 52.8 | 48.7 | 16.9 | 416.8 | i. Consumer lenders | |
| SocietyOne | 0.0 | 0.0 | 0.0 | 400.0 | i. Consumer lenders | |
| Squirrel Money | 0.0 | 0.0 | 0.0 | 25.8 | i. Consumer lenders | |
| Marketlend | 100.0 | 8.1 | 1.1 | 63.7 | ii. Business lenders | |
| ThinCats Australia | 0.0 | 0.0 | 0.0 | 6.4 | ii. Business lenders |
A subscription to Brismo Analytics provides the full history of our volume data set together with the ability to segment the information and plot a time series.
Latin America Volume
Gross origination volume – Latest updates*
In Local Currency
| Platform Name | 90 Day Market Share | 90 Day | Year to date | Cumulative | Category | Verified | 36H |
|---|---|---|---|---|---|---|---|
| Afluenta Argentina | 72.9 | 68.0 | 14.6 | 804.3 | i. Consumer lenders | ||
| Afluenta Mexico | 24.8 | 23.2 | 5.7 | 94.7 | i. Consumer lenders | ||
| Afluenta Peru | 2.3 | 2.1 | 0.4 | 11.7 | i. Consumer lenders |
A subscription to Brismo Analytics provides the full history of our volume data set together with the ability to segment the information and plot a time series.
Asia Volume
Gross origination volume – Latest updates*
In Local Currency
| Platform Name | 90 Day Market Share | 90 Day | Year to date | Cumulative | Category | Verified | 36H |
|---|---|---|---|---|---|---|---|
| Capital Match | 0.0 | 0.0 | 104.1 | iv. Receivables financing |
A subscription to Brismo Analytics provides the full history of our volume data set together with the ability to segment the information and plot a time series.
Brismo’s volume indices are a subset of Brismo’s subscription products and provide a snapshot of tech enabled origination volumes across UK, Europe, USA and Australasia. Origination data is either reported directly to Brismo by originators or is sourced from data published online by the originators themselves. The timeliness of the data is therefore not consistent as it may depend on how regularly the originators update their own origination counter.
‘Brismo Verified’ status denotes the platforms that subscribe to our asset performance verification services enabling us to scrutinise loan level detail. For other originators these figures have not been corroborated.