Statistics

At Growth Street, we know it’s important to have all the facts to hand before making any investment decision. Transparency is essential. That’s why we display all the key statistics about our portfolio and the Loan Loss Provision here for you to read.

Have a read of our blog post, Our Loan Loss Provision - how it's performed so far.

Remember past performance is not a reliable indicator of future results. Figures are correct as of 12th June 2019.

Portfolio Statistics

Borrowers

193

Live borrowers

74.77%

Average utilisation

£31,902,188

Loans outstanding

£42,667,228

Total available facility

Sum of Exposure as at 12th June 2019
Sector
Number of borrowers
Total facility available as a percentage of whole loan book
Average available facility
Average amount currently outstanding
Expected default rate
Business Products

Manufacture of business machinery, equipment, vehicles and other products

17

20.01%

£431,581

£375,506

1.75%

Business Services

Professional, scientific and technical services, administrative and support services and renting and leasing activities

73

31.97%

£200,102

£139,716

2.17%

Communication

Telecommunications, media, publishing and broadcasting

4

1.54%

£200,102

£122,849

3.59%

Construction

Construction and development of buildings and infrastructure

32

19.66%

£239,830

£196,021

2.72%

Consumer Products

Manufacture of consumer products

15

5.60%

£158,290

£119,192

2.79%

Other

Other business activities including Finance, Real Estate, Public Sector, Arts and Recreation

2

0.00%

£0

£0

3.87%

Healthcare

Human health and social work activities

5

0.90%

£77,727

£57,586

1.48%

HiTech

Software programming and consulting services and data processing and hosting activities

16

4.97%

£137,268

£99,077

2.91%

Services

Accommodation and food service activities, administrative and support services, and other services

5

10.46%

£781,204

£667,595

2.53%

Trade

Wholesale and retail trade of goods

21

4.66%

£169,140

£70,868

2.15%

Transportation

Passenger and freight transportation and storage

3

0.21%

£43,333

£22,667

2.74%

Exchange

£503,709,665

Total amount matched

£101,155,404

Total amount borrowed

Investors

2,612

Live Investors

£3,091

Average first deposit

£15,942

Average investment

5.2%

Average rate in last 30 days

Loan Loss Provision

£1,194,757

Cash balance

3.75%

Coverage

10

Defaults

10

Claims


Historical performance of the Loan Loss Provision

Our Loan Loss Provision – how it’s performed so far

2014

2015

2016

2017

2018
2019
(up to 12th June 2019)
Founder Contributions

Money provided by the Growth Street founders through equity contributions and loans

£200,000

£0

£0

£500,000

£450,000

£0

Borrower Contributions

Contributions made by borrowers as part of the interest they pay

£438

£12,959

£65,142

£256,102

£515,317

£350,728

Recoveries

Money recovered by the Loan Loss Provision on defaulted loans

£0

£0

£0

£20,675

£20,803

£75,401

Claims

Claims against the Loan Loss Provision

(£0)

(£0)

(£0)

(-£339,551)

(-£922,135)

£0

Costs

Costs incurred and paid in maintaining the Loan Loss Provision. *This number is currently positive due to a tax rebate relating to 2017 which was received in 2018.

(£0)

(£0)

(-£1,555)

(-£15,263)

£6,597*

(-£901)

End of Year Balance

Cash balance of the Loan Loss Provision

£200,438

£213,397

£276,984

£698,947

£769,529

£1,194,757

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