Money Observer is one of several platforms to update on the IFISA delay for equity crowdfunding, and addition of minibonds in September for P2P. Mainstream P2P assets will be eligible for IFISAs from next April. “In his latest Autumn Statement, chancellor of the exchequer George Osborne has announced that the list of qualifying investments for the […]
Ahead of this afternoon’s Autumn Statement, ThisIsMoney carries a series of predictions. It flags tax-credit changes as likely, but expects little or no change to Individual Savings Accounts (ISAs) or Innovative Finance ISAs. “There is unlikely to be much in the way of exciting announcements regarding savings – but the Chancellor is known to pull […]
Our cousins on the equity side of the crowdfunding fence have been subject to a lot of attention recently. The focus of analysis has been valuation, and the models used to justify asking prices. Here, crowdfunding intelligence platform iExpats reports a survey of equity valuation models. “Too many investors with too much cash are swarming around start […]
One of the main issues for small and medium-sized enterprises (SMEs) seeking funding for growth is whether to raise capital by giving away equity or seeking loan funding – known in the case of the peer-to-peer (P2P) crowdfunding that we do as P2P business lending. The pros and cons are well set out in this […]
One of the star performers at the recent Alternative Finance: New Solutions to Old Problems conference, sponsored by Cubism Law and co-sponsored by Money&Co. was Peter Wilding of British Influence. Peter, a qualified lawyer, is passionately pro-business, and is politically engaged on the centre-right of the UK political spectrum. British Influence (BI) was another co-sponsor. […]
The authorities seem to have an ambivalent attitude towards our part of the crowdfunding world, known as peer-to-peer (P2P) business lending. On the one hand, the government has been extremely positive about P2P, and will allow it to be included in Individual Savings Accounts (ISAs) in the next tax year (Innovative Finance ISAs, or IFISAs). […]
A secondary market – a place where lenders can sell on their loans – has been part of our offering from the day the Money&Co. site went live in April 2014. See Loans For Sale on our Lend page. But external secondary markets – exchanges, in effect – have been relatively slow in coming. Here, […]
Next tax year will see peer-to-peer (P2P) loans becoming eligible for Innovative Finance Individual Savings Accounts (IFISAs). That means investors get all the benefits of tax-free savings up to £15,240 per annum. The average rate achieved by Money&Co. lenders being just over nine per cent (eight per cent net of charges). If you invested the […]
Today, a cautionary tale. What happens when a crowdfunded project goes wrong, asks BBC technology correspondent, Rory Cellan-Jones. He continues: “And do those who back ideas on platforms such as Kickstarter and Indiegogo have any rights when they do not deliver on their promises? That is what the more than 12,000 people who backed the […]
Should small companies and start-ups seek equity or debt funding? We’ll be focusing on this central issue – including some forthcoming blogs on whether or not this is a false dichotomy – over the next few days. Here, FT Adviser sounds the alarm on due diligence on Enterprise Investment Scheme (EIS) products. EIS relief is […]