We often talk about how the young industry of crowdfunding is trying to find stability, certainty and identity. Even the names describing what we do are unstable (for the record, at Money&Co. we are a peer-to-peer [P2P] business lender, lending to small and medium-sized enterprises [SMEs]). See our opinion a while back: “What’s in a name?” […]
Congratulations to SyndicateRoom, our friends on the equity side of the crowdfunding fence. SyndicateRoom claims to be “the first crowdfunding platform to join the public markets”, and is now has intermediary status with the London Stock Exchange. Here’s part of the announcement, run in full on the alternative-finance intelligence platform, Bob’s Guide. “SyndicateRoom becomes the […]
Research recently published shows global investment in financial technology (FinTech) companies totalled $19.1 billion (£13.4 billion) in 2015, and is cited in an article by Anthony Hilton in The Evening Standard. Peer-to-peer (P2P) lending is at the heart of FinTech in the UK – and is arguably the fastest-growing sub-sector in the fast-growing country. As […]
We regularly cover the slowly increasing (and increasingly pleasing) awareness of alternative finance, which includes crowdfunding and our own sub-sector of crowdfunding, peer-to-peer (P2P) business lending. P2P is set to come to prominence this year as the Innovative Finance Individual Savings Account (IFISA) comes into the savings market with a vengeance. We have expressed our […]
Here’s some easy listening. We say “easy”, but it might be quite uncomfortable in some ways. Money&Co.’s CEO, Nicola was recently invited to appear on BBC Radio 4’s tenth-anniversary edition of The Bottom Line, in which host Evan Davis interviews luminaries of UK finance and industry. Click here to listen to the programme. As a […]
We are enthusiastic about equity funding – be it from private-equity firms, or from our cousins on the equity side of the crowdfunding fence. That’s partly because it’s not competitive with what we do. Buying a stake in a young or even a start-up company is a very different type of investment from lending to […]
Keeping the crowd – otherwise known as the small investor – in crowdfunding was always going to be a struggle. In the light of recent media reports, it’s looking like it’s going to be a full-on battle. At the beginning of the year we reported our own views on the importance of keeping a place […]
“So what the heck is an Innovative Finance Individual Savings Account (IFISA)?” asks Oliver Smith in The Memo. He proceeds to answer his own question: “Essentially it’s a more tax-efficient way of investing your hard-earned cash with “alternative” investments. “Peer-to-peer lending, where anyone can put up cash for borrowers and receive interest on loans made, has […]
Heads of a number of peer-to-peer lending platforms have hit back at scathing comments made against the industry by a former regulator, writes Catherine Denham in FT Adviser. We believe Ms Denham reprises comments made at a recent P2PFA breakfast. Money&Co. has contacted the producers of the BBC Radio 4 Today programme, to register our […]
The Innovative Finance Individual Savings Account (IFISA) is coming in April. IFISAs will allow peer-to-peer (P2P) lenders like Money&Co. to offer our loans via this attractive tax-free medium. There’s a little more detail on this in the short extract from the Go Compare financial article below. The key question, procedural and regulatory issues aside, is […]