Platforms don't agree on what "default" means — 30 days late, 60 days, or written
off. This page documents exactly what we normalize and how, so a number here can be
compared against another platform's number honestly. Where we couldn't normalize a
figure cleanly, we show "—" rather than guess.
- Default rate
- Defaulted loan principal ÷ total originated principal, at time of check. Each
platform's own definition of "defaulted" is used as-is (see per-platform notes
below) — this dashboard does not attempt to re-derive a uniform day-count
threshold across platforms, since the underlying loan-level data to do that
consistently isn't always public.
- Recovery rate
- Recovered amount ÷ defaulted principal, for loans that have defaulted. A high
recovery rate on a small number of defaults can be noisy — check the trend, not
just the latest point.
- Days delinquent (30+ / 60+)
- % of outstanding portfolio that many days or more late on scheduled payments,
as published on the platform's own delinquency-tier breakdown. Not the same
thing as "defaulted" — a loan can be 60 days late and still cure.
- Self-reported note
- The platform's own verbatim claim about its risk record, shown alongside our
normalized figure — not instead of it. We don't verify these claims independently;
they're shown so you can see where a platform's own framing differs from the
normalized number next to it.
- "Last checked"
- Timestamp of the most recent successful automated pull for that platform. If it's
more than 2 days old, the dashboard flags it — that usually means the source page
changed shape and the scraper needs a fix, not that nothing happened.
Per-platform sources
Known gaps (fix before trusting a number blindly)
- Bondora (Go & Grow) — Bondora's old public dataset API
(
api.bondora.com) is dead; the product rebranded to Go & Grow.
Its current statistics page publishes total invested but not a default or
recovery rate — both show as "—" until a source for that figure is found
(see comments in src/Scraper/BondoraScraper.php). The page also
sits behind Cloudflare bot-protection, which can return a challenge page
instead of data; the scraper detects and rejects that rather than storing it.
- Mintos — the public loan-statistics page doesn't expose a headline
default rate directly; only total invested and average interest rate are pulled today.
- PeerBerry — no headline "default rate" is published; we show its
delinquency-tier breakdown (30+/60+ days late) instead of conflating "late" with
"defaulted."
- EstateGuru — the richest source in this dashboard: total funded,
a historical return, a portfolio-wide recovery rate, and a regulatory default rate
are all published directly. The default rate shown is EstateGuru's most
recently completed calendar year's figure (they publish one per year, not
a running current rate) — check the source link for the full year-by-year table
before comparing it against another platform's point-in-time number.
- Robocash — publishes only an outstanding-portfolio total; no
return, default, or recovery figure appears anywhere on its public statistics page.
Independent reviews note this as a real transparency gap on Robocash's part, not a
scraper limitation — every other field shows "—" and will keep doing so until that
changes.
- Lendermarket — publishes total invested, a weighted average
interest rate, and a headline default rate directly; no separate recovery-rate
figure is published.
Checked, not added
Two more platforms from the original candidate list were checked live and are not
in the table above:
- Iuvo Group — its
/statistics page returns the
logged-out investor-portal application shell, not public figures; the numbers
appear to require a session and client-side rendering to load.
- Swaper — its statistics page returns a Cloudflare "Just a
moment…" JavaScript challenge on every automated request. Solving that would need
a headless browser, which the build guide deliberately rules out for this stack.
Both are worth re-checking periodically — either could change.