CP Capital

CrowdProperty Experience

£886m

Property funded

£510m

Facilities agreed

3,785

Homes funded

£430m

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	2023	2024	2015 2016 2017 2018 2019 2020 2021 2022 2023 2024	Total
Total Originated	5,182,000	2,290,000	4,407,000	24,607,500	38,142,000	88,158,849	68,424,574	126,993,173	120,083,680	31,341,050	509,629,826
Total Lent	4,026,000	2,288,000	4,403,000	15,192,759	28,945,499	71,095,680	51,337,435	96,437,125	104,379,291	51,483,191	429,587,980
Number of Loans	12	7	8	32	81	154	126	191	241	144	996
Total GDV Funded	11,713,500	4,486,000	8,852,000	45,478,000	64,711,590	174,042,730	106,292,785	229,690,493	189,038,478	52,177,700	886,483,276
Total Units Funded	71	30	69	287	363	741	555	751	709	209	3,785
Total Capital Paid Back	4,026,000	2,287,500	4,403,000	14,855,530	27,247,720	56,912,432	46,398,512	64,633,306	48,223,539	2,953,932	271,941,471
Total Interest Paid Back	404,763	243,719	449,589	1,790,333	2,635,678	5,147,566	3,446,703	6,423,761	6,408,638	942,461	27,893,212
Total Paid Back	4,430,763	2,531,219	4,852,589	16,645,863	29,883,398	62,059,998	49,845,215	71,057,067	54,632,178	3,896,394	299,834,682
Total Borrower ContractRate⁷	10%	12%	10%	10%	10%	10%	10%	10%	10%	11%	10%
Total Borrower Actual Rate⁸	10%	16%	10%	10%	10%	10%	10%	11%	11%	11%	11%
Total Lender Actual Rate⁸	8%	13%	8%	8%	8%	8%	8%	8%	9%	10%	8%
Total Projects (180 Days Late) ⁴	2	0	0	3	9	26	11	30	1	1	83
Total Projects (180 Days Late) Repaid	2	0	0	2	8	13	4	9	0	0	38
Total Actual Losses Percentage	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0
Total Anticipated Losses Percentage	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%	1%
Total Actual Capital Losses	0	0	0	0	40,043	0	0	0	0	0	40,043

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

Read our Risk Statement Download FCA Outcomes Statement '20 Download FCA Outcomes Statement '21

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 unparalleled standard of due diligence through more than 5 years of lending, 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

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Legal

CP Capital is a product line offered by CrowdProperty Limited. CrowdProperty Ltd is a company registered in England, with its registered office at 54 Hagley Road, Edgbaston, Birmingham, B16 8PE (Company No. 08764786). CrowdProperty is registered with the Office of the Information Commissioner (Reg no. ZA047468). CrowdProperty is authorised and regulated by the Financial Conduct Authority registration number 723959

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