Lenders: your capital is at risk, and interest payments are not guaranteed if the Borrower defaults. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. The current average return is based on the total amount raised over the platform. It is the result of calculating the average Lender return, before tax, of every loan funded over the ArchOver platform. Past performance is not a guarantee of future returns. Borrowers : in the event of default, ArchOver will seek to recover assets to the full value of the loan.