Market Data

UK Net Returns

as at 30 September 2017


1 month


1 year


3 year

AltFi Data Lending Returns Index - UK - Loss Coverage = 1.75x

Multiple by which interest income covers gross losses

The AltFi Data 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 platforms 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

Platform Returns

RegionOriginator1 Year net return3 Year net returnVerified
2UK - as at 30 September 2017 6.1 18.3
2UK - as at 30 September 2017 6.1 23.0
2UK - as at 30 September 2017 4.5 16.0
2UK - as at 30 September 2017 4.1 14.4
2UK - as at 30 September 2017 12.4 27.7
1US - as at 31 August 2017 6.8 27.3
3EU - as at 30 September 2017 5.5

AltFi Data provide an asset performance verification service for the platforms listed above. Using loan level information AltFi Data 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


  • UK
  • EU
  • US
  • AUS

AltFi Data’s volume indices are a subset of the ‘AltFi Data Analytics’ and ‘MarketWatch’ subscription products offering a detailed view of tech enabled origination volumes across UK, Europe, USA and Australasia. Origination data comes primarily from data reported directly to AltFi Data by originators but also includes data published online. ‘AltFi Data Verified’ status denotes the platforms that subscribe to our asset performance verification services enabling us to scrutinise loan level detail. For other platforms these origination figures have not been corroborated.