It’s been said before, and doubtless will be again: FinTech is the coming force in financial services. Of course, we would say that, wouldn’t we, as crowdfunders facilitating peer-to-peer (P2P) business loans? P2P lending is one of the fastest-growing areas in today’s finance sector. But don’t take our word for it, read this short extract […]
As regular readers and users will be aware, it‘s our duty to point out that lending, while potentially lucrative, carries risk. Our friends a AltFi report on a fellow P2P lender, and its treatment of risk: “RateSetter has reinstated the expected losses in its portfolio and now gives us two cohort level expected loss figures to […]
It’s a cliche, but, like many cliches, is contains truth: there’s no profit without risk. Two recent stores from the equity side of the crowdfunding fence illustrate the point well. Our friends at CityA.M. report on an equity return report – a reprise of investment performance – released by Seedrs during the week: “The platform […]
Ahead of the latest offering due on site, it’s a good time to reprise some of the issues potential lenders should look at before committing capital. Here’s an excerpt from our long list of things to look at (NB this is commentary – not advice): Examine the borrowers’ proposals in detail. We use our […]
The Cambridge Judge Business School is arguably the world’s leading authority on alternative finance and crowdfunding. It has just released a report on the state of the market in Europe, excluding the UK. Highlights include: France, Germany and the Netherlands are the top three countries for online alternative finance by market volume in Europe, […]
Our friends at Crowdfundinsider report on regulatory moves in Europe and the UK, citing a CNBC interview from EU Commissioner Valdis Dombrovskis. “[Dombovskis] replaced Jonathan Hill of the UK at the Commission following the Brexit decision. He recently sat down with CNBC for an interesting interview where he shared some insight into his perspective on the Capital […]
We’re well into the era of a more mature crowdfunding world. In internet jargon, that would be known as Crowdfunding 2.0. Luke Davis, co-founder of Money&Co., offers his view in CityA.M. of how what the 2.0 stage should look like for UK P2P platforms. “In the five years since its inception, debt crowdfunding has supported […]
The European crowdfunding industry is set to gather in Paris shortly, report our friends at Crowdfundinsider. And there’s certainly plenty to discuss… “The 5th annual European Crowdfunding Network (ECN) convention is scheduled to take place in Paris this fall and ECN has set high expectations regarding the diverse range of topics to be covered, reports Crowdfundinsider. “Oliver […]
Today is the BBC’s Brexit day. Our CEO, Nicola Horlick has made her views clear on Radio 5’s Wake Up To Money and on Radio 4’s Today programme. For peer-to-peer (P2P) lenders, she argues the overall effect of Brexit is not good. But what about the effects of Brexit on the other side of the crowdfunding […]
The last two UK government administrations have taken a helpful and enlightened view of the alternative-finance industry. At Money&Co., we believe that alternative finance wants to be considered mainstream, and for the assets it deals in – notably crowdfunded equity and debt – to be accepted as a legitimate asset class. The new Innovative Finance […]