Our friends at FinExtra report the latest UK government initiative to boost funding for small and medium-sized enterprises (SMEs). The authorities seem determined, buy hook of by crook, to get the banks to work with the alternative-finance sector to work together (that includes us, as peer-to-peer [P2P] business lenders, by the way). At Money&Co., we […]
An updated consumer guide to equity crowdfunding from the European Commission offers some expert (yes, expert) commentary on the differences between equity and debt crowdfunding. As a specialist peer-to-peer (P2P) business lending platform, we are on the debt side of the fence. We strongly believe that equity and debt assets are not competitive. Which is […]
Our web-crawling robots bring us news of a development in an adjacent sector of alternative finance. The bridging loan market is an interesting one: we have expanded our offerings from loans to profitable small businesses, to property-backed offerings, with more loan types in the pipeline. Here’s an extract from a report in Property Investor Today: […]
Our friends at P2P Finance News report on the market in Innovative Finance Individual Savings Accounts (IFISAs). These products are attractive, but carry risks that need to be understood. We carry a short extract below, as well as references to our regular visits to the topics of security, access and yield in this News section. […]
Following on from last Friday’s story on SME alternative funding, our friends at CityA.M. report sharp criticism for government attempts to stimulate alternative funding for small and medium-sized businesses (SMEs). “Former business secretary and Lib Dem Vince Cable has slammed the progress of a government scheme designed to help small businesses access finance from alternative […]
The UK government has issued a press release claiming successes for its bank referral scheme. Below we offer an extract from the statement, plus commentary from Money&Co.’s CEO: “Over the past 9 months, 230 small businesses from beauticians to forklift truck training companies, which were rejected for loans by some of the UK’s biggest banks, […]
The number of peer-to-peer finance investors has continued to grow as the industry becomes more recognisable and trusted, according to our friends at trade media outlet, Bridging & Commercial. “But who are the different types of peer-to-peer investors and which type do platforms prefer to work with?” they ask, before proceeding to answer that question […]
The time-worn aphorism – a bit of a cliche, if you like – that there’s nothing new under the sun, certainly applies to crowdfunding. What’s equity crowdfunding, but fractional ownership of a company? The only conceptual difference between acquiring those shares on a stockmarket or via crowdfunding is the digital medium (although there are often […]
Here’s a quick overall health check on the equity and peer-to-peer (P2P) lending sub-sectors of crowdfunding. A blog in Business Zone, from the co-founder of Off3r, a comparison site, reports good figures from the equity sector. Here’s an excerpt: “The latest equity crowdfunding statistics released by OFF3R last month revealed that the first half of 2017 was the strongest […]
As our sector of alternative finance matures, so does the regulation and oversight. The the peer-to-peer (P2P) business lending sub-sector of crowdfunding is where we operate, and, with the advent of the Innovative Finance Individual Savings Account (ISA) a lot of attention has rightly been devoted to P2P. It’s right because companies such as Money&Co. […]