The UK’s chief financial regulator, the Financial Conduct Authority (FCA), has just published a consultation paper on how peer-to-peer (P2P) lenders in the crowdfunding space should handle lenders’ money. We’re particularly interested in this, as Money&Co. is a P2P business lending crowdfunding platform with a commitment to bring individuals seeking a good return on capital […]
Today, we offer a reminder that there is no such thing as profit without risk. Lenders need to be mindful of that fact before committing capital. Regulators, of course, try to save us from ourselves. But what type of regulation is best in the crowdfunding world? Money&Co. co-founder and shareholder, Luke Davis, expressed strong views […]
Today we carry a piece that will not bring regular readers new news. But we are pleased that our friends at Compliancy Services have written what they have written. The article is a sign of the times – ie, that alternative finance, including crowdfunding and the peer-to-peer (P2P) business lending (a sub-sector of crowdfunding) that we do […]
Adapt or face irrelevance… or extinction. Not our words, but those of the international media outlet, World Finance, quoting a report from accountants and consultants, EY. The report continues: “Many paradigms that governed investor behaviour have long since been discredited. Firms that fail to adjust will face severe challenges for continued profitability and growth. Whether relying upon […]
The Federation of Small Businesses (FSB) has just released research that shows “a growing gap in confidence between businesses in Scotland, North East England and Wales and those in the Midlands and the South of England”. While we are not challenging the FSB’s findings, there’s some surprise and disappointment at Money&Co. “We’re constantly making trips […]
David Prosser, a columnist for Forbes and The Independent, reports on what he sees as a rosy future for our sector, and the lenders and borrowers we serve. David writes: “If 2015 was the year when alternative finance went mainstream then 2016 offers the promise of a different type of breakthrough – an opportunity for […]
The new year holds much promise for lenders and small businesses borrowing through the medium of crowdfunding. We welcome this enlightened article in the Daily Telegraph, which focuses largely on our friends on the other side of the crowdfunding fence, in equity raises. “Whatever 2016 brings, one thing will remain true: the biggest challenge for […]
While the UK is easily the biggest and most dynamic market for crowdfunding in Europe, it is by no means the biggest market in the world. There’s little doubt that China can claim that prize. Today, we run a short extract from a Ryan Weeks’ article in AltFi. Ryan’s piece puts the UK scene in […]
AltFi Date has announced its predictions for 2106. AltFi, with its Liberum association, has some of the best data in the market. These predictions are made using a regression analysis algorithm, with a qualitative overlay. The basic message is: stand by for blast-off. We’ll be bringing you Money&Co. CEO Nicola Horlick’s predictions next week. Meanwhile, […]
The Economic Voice latches on to research into the prospects for the Innovative Finance Individual Savings Accounts and the likely take-up of P2P. “One in four investors aged over 55 will consider moving money onto peer-to-peer (P2P) lending platforms once the new innovative finance ISA launches in April,” writes The Economic Voice. It quotes research […]