We expect 95% of customers to achieve at least this return (after fees and losses) in normal economic conditions, providing they hold their investment for at least three years and have reinvestments turned on during that period. These returns are before tax.

The investor return is a blend of the interest rates of the loans invested in, minus expected losses from defaults and loan servicing fee (paid by the borrower), but before the loan sale fee and tax. Because of the unique loan portfolio you are matched to, there will be some variance in performance between investors, this is why we advertise a projected return range. We are continuously working to narrow this spread.

We might revise our loss projections based on the latest market conditions, so the range can change over time. When you invest new funds or reinvest repayments, this will always be done at the latest rate