Summer beckons. The seasons are changing. Here, we make a case against seasonal investing – we believe the time to invest (if you invest in a high-yield product) could well be now. In finance and savings, the seasons are changing too. The end of the last tax year in early April saw the usual rush […]
We are heading towards the landmark of £10 million-worth of loans facilitated for carefully vetted small-business borrowers. As we do so, we take stock of both sides of the peer-to-peer (P2P) lending equation. The demand for a good return on capital amongst lenders is strong. As for borrowers, the desire for capital needed to fund […]
The pace of mergers and acquisitions between alternative finance providers “will increase as economies of scale are needed to create a viable business”, according to a report in Bridging & Commercial. “The comment follows a number of acquisitions between alternative finance providers. Since the start of the year, RateSetter, Close Brothers and 1pm have expanded their services by acquiring specialist […]
P2P Finance News reports on a “toxic combination” of rising inflation and low cash-deposit rates for savers. Recent statistics show retail price inflation shooting up to 2.3 per cent. That outstrips the returns available from cash deposits. According to Money Facts, the best instant-access deposit account pays just 1.1 per cent. To get a return […]
Mark Twain famously claimed that reports of his death were exaggerated. And we have to say that it is at least premature to suggest that the traditional banking model defunct? Nevertheless, The Market mogul asks whether “the main lending banks set for a headlong retreat from the SME banking market… “It is claimed that 74% of […]
It’s time to “wake up and smell the coffee” for investors and savers, according to a report from our friends at P2P Finance News. A recent article (from which we run an extended excerpt below) reports on troubling times for income-dependent savers: “Savers are being urged to “wake up and smell the coffee” as inflation hit […]
Peer-to-peer (P2P) crowdfunding is entering the mainstream. We must have written that sentence in different ways more than a dozen times in the past few years. The force is undoubtedly with us, as we introduce individuals looking for a good return on capital to carefully vetted small companies seeking funds to grow. The evidence grows […]
Peer-to-peer lending (P2P) started out by individuals lending to one another, cutting the banks and traditional financial institutions out of the process. There’s still plenty of demand from individuals seeking to get cheap P2P credit to, for example, pay off their credit card debt and substitute that debt for a less expensive P2P loan. At […]
We start the week by examining contradictory signals as to where the alternative finance industry is going, and what is driving it. We have consistently stated that investors in the peer-to-peer (P2P) asset class (known in plain English as “lenders”) should consider security and access to capital, as well as the yield that P2P loans […]
Today is all about market efficiency. GH3, a loan offering with an ‘A’ credit rating is closing at the end of the working day. It’s an opportunity to study the auction mechanism close up. A refresher as to what the loan process actually is, is available by looking at the video on our Lend page, […]