Today, we offer a glimpse of the future. Our friends at Professional Adviser – always an informative read – run a far-sighted opinion piece from a member of the crowdfunding sub-sector of the “alternative” finance community. The author believes, as we do at Money&Co., that peer-to-peer (P2P) loans are a key part of mainstream finance. […]
Money&Co. recently launched Money&Co. Portfolio, which allows lenders to lend through a managed ISA, a managed portfolio or a lending vehicle (designed to help mitigate inheritance tax). The ISA and the lending vehicle make use of tax reliefs and so it is particularly important that we make every effort to preserve capital. For these products, […]
Money&Co. completed its first loan in July 2014. Initially, we focused on working capital loans to companies with a debenture over the company’s assets. We are delighted that we have only had one bad debt since we launched the platform. Our experience of lending via a platform has changed our view of what is suitable […]
One of our property-backed loans of £425,000, with a fixed 8 per cent yield, has just closed. But what if you don’t want to do all that bidding and the attendant process yourself? Many lenders find the business investing quite complicated. We thought it timely to remind investors with a larger amount of investable cash […]
Loans from property-backed Seascape (currently we are offering number 11 in the series) are proving popular. The latest A-rated tranche yields 8 per cent gross, at a fixed rate for five years. Bear in mind that while there is no profit without risk, our lenders have achieved a return of over 8 per cent (7 […]
The latest tranche of property-backed loan Seascape (10 in the series) is 92 per cent filled as we write. With new offers arriving soon, we thought we’d we offer a reminder of some of the key factors to consider in appraising a loan before investing. Bear in mind that while there is no profit without […]
If the jury has decided to book itself onto a coach trip, is it still out? We recommended suspension of judgment on the pricing of Funding Circle’s shares before it hit the public markets a month ago. The shares are now trading around 370p, after a 440 float a month ago. Analysts certainly seemed to […]
Conventional wisdom currently has it that that a new era of open banking is set to bring great benefits to the alternative finance lending sector. As a player in this market, we naturally keep our eyes and ears open to developments – and bring you an interesting report from our friends at P2P Finance […]
It’s no secret that we’ve been lining up new loan offerings, and that these attractive, property-backed creatures will be landing imminently on site. It’s at such times that a moment of quiet reflection and reappraisal is essential. We believe at Money&Co. that the key factors of asset appraisal for any investor’s consideration are security, access […]
Our friends at AltFi look at the latest annual report filings from robo-adviser, Nutmeg. Robo advisers and algorithm-led investment decision making generally are important to new sectors like peer-to-peer (P2P) lending. We need to make P2P better-understood and ventilate the idea that it can be considered a “mainstream” asset class. And we’re confident that the […]