Should small companies seek to borrow to grow – or should they raise funds by selling a share of their business in an equity raise? The broad dichotomy between debt and equity is subject to scrutiny by some (we’ll be hosting a guest blog on site on this very issue later this week). But the […]
Here’s part two of my blog on the interest-rate outlook, and the Bank of England’s policy. The main reason that interest rates have been left on hold is that underlying economic growth is slowing. If the estimate for third quarter GDP growth is correct, then the year-on-year figure for GDP is 2.3 per cent, which […]
P2P or not P2P? That is the question. Over the past 18 months, we’ve run a series of articles on the general awareness – or the lack of it – of alternative sources of finance for small and medium-sized enterprises (SMEs). This AVIVA survey was just one of many to point up the fact that […]
“It is perhaps a mark of how far we’ve come since 2008 that the governor of the Bank of England can suggest that the time has come for people to start showing bankers a little respect,” opines CityA.M., commenting on Governor Mark Carney’s speech this week. That speech prompted BBC’s flagship news programme, Newsnight, to […]
How do you write a business plan to impress investors – or, indeed, would-be lenders? At the recent Festival of Female Entrepreneurs, organised by Enterprise Nation, Money&Co.’s CEO, Nicola Horlick, addressed this very point. Click here to find an article featuring a short video of Nicola explaining it all in her own words. Entrepreneurs and […]
Mark Carney, the Governor of the Bank of England, said earlier this year that things would get more exciting with regard to interest rate policy at the turn of the year. Now he has indicated that UK interest rates are unlikely to rise before 2017. Part of the reason for this is that inflation remains […]
What is the future of crowdfunding? What type of financing should small and medium-sized enterprises (SMEs) be seeking to help them grow? Money&Co.’s CEO, Nicola Horlick, offered something of a tour de force on the topic at the recent Alternative Finance conference, sponsored by Cubism Law and co-sponsored by Money&Co. You can see her speech […]
Today we bring you two world views. The first is from Robert Reoch of Crowdnetic. Speaking at the recent Alternative Finance: News Solution To Old Problems, Robert offers an extremely perceptive view of the ever-changing and fast-moving currents of alternative finance. Please forgive the sound quality – there was an intermittent problem in the sound […]
A reality check comes from one of the best-established digital media outlets, The Motley Fool. We have been convinced for years that peer-to-peer lending is the future of finance for small companies looking to borrow to grow and lenders looking to increase the returns on capital alike. But, as the Motley Fool points out, not […]
Ed Bowsher of Share Radio put it this way at the recent Alternative Finance conference, sponsored by Cubism Law, Money&Co., Archover and others: “Are we already seeing the end of the golden age of crowdfunding for individuals? Institutions are coming in and wanting to lend millions – what does that mean for private investors?” This […]