We’ve consistently argued that staying in the single market is the best outcome for the businesses – and the lenders – we are here to serve. That’s simply an observation based on what we see as the best conditions in which small and medium-sized businesses, the lifeblood of the UK economy, can operate. As we write, […]
Today, we report welcome news of the increasing maturity of the peer-to-peer (P2P) lending sub-sector of crowdfunding. Without reliable data, an asset class has nothing to recommend it. The mainstream agencies in financial services have been a little slow to embrace the new asset class of P2P lending. Essentially, Money&Co. facilitates loans, matching borrowers seeking […]
Today, we take a look across the Atlantic at our American cousins. Money&Co. has close links with the staff of the University of Cambridge’s Centre for Alternative Finance, part of the university’s Judge Business School. The Centre has just published its latest research report on the state of alternative finance in the Americas, approximately one […]
The peer-to-peer (P2P) lending sector is still growing steadily, after several years of very rapid expansion. Perhaps part of the reason for this is the fact that small and medium-sized businesses seem to be rather poorly served by mainstream financial services (see several pieces – “older stories” – written over the past three years in […]
Cambridge-based Crowdsurfer analyses data in the alternative finance and financial technology (FinTech) sector. Its remit includes equity, bonds, SME debt, P2P and more, as it maps global trends and patterns in alternative finance. According to a recent Crowdsurfer announcement, “the P2P sector is one that continues to mature at speed, and its growth will be […]
Business does not exist in a vacuum. The Investment Observer looks at small and medium-sized businesses’ (SMEs) need for funding capital, and examines this need in a UK political context. It seems that, as the bank funding climate turns harsh, UK SMEs are turning to alternative sources as Brexit makes itself felt. “UK businesses are […]
Like all truly revolutionary ideas, it is simple. The notion of disruptive lending by bringing carefully vetted borrowers together with lenders seeking a good return on capital is peer-to-peer (P2P lending, a sub-sector of financial technology (FinTech). The sector, as a recent report by our friends at AltFi underlines, is beginning to mature. We run […]
Welcome back to our users and readers for the “summer term”, pre-election madness and all. In a world where very few (well, few politicians, at least) seem sure of their numbers, we offer some more reliable figures below: amount of loan facilitated, and average gross return achieved by Money&Co. lenders, for a start. On a […]
Today we continue our recent theme of awareness and trust in alternative finance and financial technology (aka, FinTech). HSBC, a mainstream bank,recently carried out a survey of over 12,000 consumers across 11 countries. P2P Finance News reports that “the global bank found that consumers are twice as likely to trust artificial intelligence to carry out heart surgery […]
Levels of awareness of and trust in alternative finance need to rise, as we reported yesterday. We bring together small companies seeking funds to grow with individual lenders seeking good returns on their capital. But recent research shows that small companies, who often don’t like banks, still don’t seriously consider alternative sources of finance, such […]