Performance-Based Pricing That Aligns With Your Success
Pay less when loans default. Your monitoring costs scale with portfolio performance, not failure.
Most monitoring services charge fixed fees regardless of loan outcomes. You pay the same whether the loan succeeds or fails. When a loan defaults, you've lost both the principal AND the monitoring fees.
Performance-based pricing means you pay more when loans succeed, less when they fail. Your costs are aligned with outcomes.
Pricing Structure
Per Loan (£100,000 example)
| Year | Timing | Amount | Condition |
|---|---|---|---|
| Year 1 | Upfront (loan origination) | £600 | Paid regardless |
| Year 2 | Annual (if performing) | £200 | Only if loan not in default |
| Year 3 | Annual (if performing) | £200 | Only if loan not in default |
| Total if successful | £1,000 | ||
| Total if defaults Year 2 | £600 | 40% savings vs traditional |
"Performing" Definition: Loan is not in default and not 90+ days delinquent on payments.
Portfolio Pricing Example
100 loans × £100,000 = £10M portfolio
| Scenario | Your Cost | Traditional Fixed Cost | Your Savings |
|---|---|---|---|
| All loans succeed (3 years) | £100,000 | £150,000 | £50,000 |
| 5 defaults in Year 2 | £96,000 | £150,000 | £54,000 |
| 10 defaults in Year 2 | £92,000 | £150,000 | £58,000 |
Performance-based pricing means you pay less when loans default. Your costs decrease with portfolio challenges while traditional fixed fees remain constant.
What's Included
50 loans or £5M portfolio
12-month initial term
Renewable annually