We are pleased to announce the arrival of a new loan offer on site. After passing through our credit-analysis process, the loan is risk-rated B, with an 11 per cent gross yield, that is 10 per cent after deduction of Money&Co.’s one per cent fee. It has a five-year term. Although just recently landed on […]
In, out, in, out, etc. The topic of SME financing – how easy it is to find from non-banking sources, rates of uptake and the like – is the subject of regular surveys producing more or less contradictory assessments. Here’s an earlier piece we published here in News pointing out the flip-flop nature of the […]
The latest loan offering to be approved by our credit committee has an A rating, a five-year term and a fixed-rate yield of 8 per cent. The loan is 29 per cent funded at the time of writing. TSM International is “a one-stop shop for online businesses and it operates across 240 different countries. It […]
It’s perhaps no surprise then that many homeowners have seen the value of Money&Co.’s Inheritance Tax Service. This takes advantage of Business Relief. At present, estates with a value of more than £325,000 pay 40 per cent tax. This is reduced to 36 per cent if 10 per cent of the estate is given to […]
Is this persistence, smart timing, or just bad luck? We report regularly here on the travails suffered by some players seeking to open new avenues into peer-to-peer (P2P) investing. After the problems experienced by Funding Circle’s investment trust, there’s a launch of a similar vehicle by Augmentum, as reported by our friends at P2P Finance […]
In part II of our blog on the P2P sector after the high-profile collapse of the Lendy platform, Nicola Horlick, Money&Co.’s CEO looks at how Money&Co.’s P2P loan book compares in terms of security and access as well as performance – with leading mainstream investments. Over the last 20 years, the FTSE 100 index has […]
There’s been some head-scratching in analytical quarters as to why the long-predicted consolidation in the peer-to-peer (P2P) lending sector hasn’t materialised. The answer from one commentator is a lack of diversity in product offering among some P2P players. We think that’s a sensible argument. Diversity in product offering – and in the loans on offer […]
The question keeps being asked: Is the crowd (ie, the retail lender) going to be squeezed out of crowdfunding? Our friends at P2P Finance News report that “a number of purely institutional products have been unveiled recently in the peer-to-peer lending sector”. The question then posed by P2PFN is whether this to the benefit or […]
If you like doom and gloom, the peer-to-peer sector, with the recent high-profile collapse of Lendy, provides plenty of cheap thrills. Add in the troubles that Funding Circle, the P2P sector’s biggest player, has been having with its investment trust, and it’s time to get the popcorn out and enjoy the double bill. However, it […]
In the high-profile wake of the failure of peer-to-peer (P2P) platform Lendy, there has been widespread caution about the P2P sector. However, it would be very wrong to generalise from the particular. As more has come out about the way that Lendy managed its business, it has become apparent that it took unacceptable levels of […]