Sourced Capital
Property-backed P2P lending platform with published statistics, outcomes statements, and transparent arrears reporting.
General Information
Sourced Capital publishes detailed statistics and outcomes materials. Its statistics page shows £41.54 million in capital repaid and £9.18 million in interest repaid, plus portfolio arrears buckets correct as of 24 November 2025.
The platform's FCA outcomes statement, amended in August 2025, references actual defaults of 4.3% of live loans and 1.9% of cumulative loans in 2024, alongside discussion of FCA default concepts including the 180+ days past contractual date threshold. This level of published performance data provides investors with meaningful transparency into loan book quality.
How does it work?
Sourced Capital operates as a property-backed P2P lending platform with in-house underwriting, monitoring, and recovery processes. Transparency is anchored by published outcomes statements and a loanbook snapshot that allows investors to assess the current state of the portfolio.
What do they offer?
Sourced Capital offers development and bridging-style loans with advertised interest rates that vary by deal, with examples showing rates of up to approximately 12% per annum. Individual deal terms including loan-to-value ratios, security arrangements, and expected durations are published on a deal-by-deal basis.
As with all development and bridging lending, actual outcomes depend on borrower performance, project execution, and property market conditions at the time of exit.
Who is it for?
Sourced Capital is suited to investors who value published arrears and outcomes reporting and can tolerate property development and bridge lending risks, including the possibility of extensions and the need for asset recoveries in default scenarios.
The platform's transparency around default rates and arrears provides useful context for risk assessment, but past performance data does not eliminate future loss risk.
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Disclaimer: This article is for informational and educational purposes only and does not constitute financial advice and should not be considered as such. In particular, it does not constitute personal advice — please consult a qualified financial adviser to address your particular personal requirements. Other is not regulated by the Financial Conduct Authority (FCA), its authors are not financial advisers and it is therefore not authorised to offer financial advice. This article is not intended as an offer, invitation or solicitation for the purchase or sale of any investment, nor is its issuance intended to give rise to any other legal relations whatsoever and must not be relied upon for the purposes of any investment decision. The information contained in this article is subject to updating, revision and amendment.
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