Statistics

At CP Capital & CrowdProperty, we are proud to support the building of great British homes

CrowdProperty Experience

£474m

Property funded

£262m

Facilities agreed

2,278

Homes funded

£213m

Lent

What is CP Capital mezzanine finance?

Mezzanine finance from CP Capital tops up your senior development finance to complete your project funding needs. Senior debt typically accounts for 70-85% of costs; mezzanine finance from CP Capital can top this up to finance up to 95% of costs.


Detailed statistics by year
2015 2016 2017 2018 2019 2020 2021 2022 Total
Total Originated 2,290,000 5,182,000 4,407,000 24,607,500 38,142,000 55,195,574 86,418,849 45,441,000 261,683,923
Total Lent 2,288,000 4,026,000 4,403,000 15,217,401 28,952,746 51,338,838 71,095,675 34,120,256 213,036,915
Number of Loans 7 12 8 32 81 126 155 61 485
Total GDV Funded 4,486,000 11,713,500 8,852,000 45,478,000 64,711,590 82,942,520 170,644,075 79,336,415 473,639,100
Total Units Funded 30 71 69 287 359 420 732 310 2,278
Total Capital Paid Back 2,287,500 4,026,000 4,403,000 14,855,530 26,820,513 44,067,743 23,645,831 240,000 120,346,117
Total Interest Paid Back 243,719 404,763 449,589 1,790,333 2,635,678 3,174,596 1,578,906 38,629 10,316,213
Total Paid Back 2,531,219 4,430,763 4,852,589 16,645,863 29,456,191 47,242,339 25,224,737 278,629 130,662,331
  • Loan to current market value is the average of the first release of capital to the borrower divided by the Current Market Value of the property being offered as security.
  • Loan to GDV Excluding Interest is the planned total capital facility divided by the RICS assessed Gross Development Value (GDV) averaged over all projects.
  • Loan to GDV Including Interest is the planned total capital facility plus interest divided by the RICS assessed Gross Development Value (GDV) averaged over all projects.
  • Total Projects > 180 Days Late As per the FCA definition for property loans, technical default of a project is 180 days which must be disclosed. CrowdProperty has recovered all > 180 days late projects fully in terms of both capital and interest.
  • Actual Defaults this is the actual loss of capital invested, if any, on a loan in Default, after any money we've been able to get back from the borrower. We take the Second Legal Charge on all loans as security.
  • Anticipated Defaults are 4% of capital invested due to retaining Second Charge security on all projects we fund through the CP Capital platform. The Second Legal Charge is the second highest level of security with the holder being paid after the First Legal Charge holder.
  • Contracted Rates for Borrower and Investors are the averages across all loan agreements.
  • Actual Rates show the real returns for Investors and the actual paid by Borrowers. This is based on the actual interest paid for all projects. Some actual rates will be higher than contract for Investors as some loans run late and will be subject to a higher rate.
  • Only rates for paid back projects are included
  • All reporting is based on the year of origination.
  • For all averages, subsequent raises are not included in the averages to ensure no double counting.
  • RICS – Royal Institution of Chartered Surveyors

This material contains statistics that have been prepared by the CrowdProperty Group. The underlying data is based on past projects, however this information should not be construed as legal, tax, investment, financial, or accounting advice. Any future forecasts that are shown combine our knowledge, with a number of risks, uncertainties and assumptions about any future states, many of these are beyond the control of CrowdProperty. Nothing contained within the information provided is or should be relied upon as a warranty, promise, or representation, express or implied, as to the future performance of any loan through CrowdProperty. Any historical information contained in this statistical information is not indicative of future performance.

Resilience Statement Abstract

As part of our dedication to maintaining our best-in-class 100% capital and interest payback track record through more than 5 years of lending and our unparalleled standard of due diligence, CrowdProperty has undertaken a thorough, multi-scenario loan book resilience study on all active loans to understand the loan book’s exposure to economic volatility. CrowdProperty analysed the causes of the 2007/08 and 1989/90 crises and from the aggregation of localised house price data during the 2007/08 and 1989/90 crises, derived resilience resource scenarios. The scenarios, analysed and applied at localised levels given differing impacts, have been examined to resource the resilience of the existing loan book to determine what economic conditions would compromise the security underpinning CrowdProperty loans, potentially compromising the 100% capital and interest payback track record of the platform to date. From this resilience resourcing, validation of our entry criteria for loans is detailed in this report and the resultant data analytics built into future loan appraisal assessment.

Resilience Statement Disclaimer

Resilience testing is not investment advice. Our resilience testing is an evaluation of our current loan book, based upon previous economic crises which impacted the residential property (housing) market. The main purpose of our testing is to evaluate our current loan criteria and processes, as well as to assess the potential impact of another housing market downturn. Although our resilience testing shows our loan book should be secure in the event of another economic crisis, past performance is not a guide to future returns and, when lending towards any investment product, your capital is at risk.

Download Full Resilience Statement

CrowdProperty Group Recognitions

  • AltFi 2018 Awards
  • Birmingham Tech
  • Deloitte Fast 50
  • Excellence Awards 2019 Metro
  • Experian Credit Awards
  • Financial Times
  • FSTech Awards 2020
  • Growth Finance 2019
  • Lending Awards
  • Midlands Business Awards
  • Money Age
  • Mortgage Finance Gazette Awards
  • Nation LIS Awards 2019
  • National Credit Awards 2021
  • Peer2Peer Finance News
  • Property Awards 2019
  • Property Awards 2021
  • Property Investors Awards
  • Proptech Breakthrough Awards
  • Qandor
  • RESI Awards
  • SME News Finance Awards
  • Tech Awards
  • The AltFi Awards
  • TrustedLand Awards 2020
  • UK Business Angels Association
  • UK PropTech Association
  • Unknown Logo
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  • West Midlands Tech Awards 2021