Crowdfunding is the precocious infant of the financial services world. Which may be why the idea of playing in a “sandbox” to find the right way to regulate us seems so very apt. There will be teething problems for young industries such as debt crowdfunding, specifically peer-to-peer lending, but we believe it is the way […]
Greetings and Happy Monday to regular readers, registered lenders and casual browsers alike. Last week closed on a busy note at the London Investor conference 2017, and we’ll bring you news of Money&Co.’s presence there shortly. Meanwhile, as our latest loan offering nears closure, we notice this from the other side of the world. The […]
Investor confidence in the peer-to-peer (P2P) crowdfunding sector is picking up again. There was concern in some quarters over P2P last year – much of it engendered by the difficulties of the largest player in the US P2P sector, Lending Club. There were good reasons for that – notably, the aggressive pricing of listed P2P […]
When it comes to advancing money to small and medium-sized enterprises (SMEs), which we think of as the lifeblood of the UK economy, everyone seems to be full of goodwill. But the road to funding hell is paved with good intentions. While the government, the Federation of Small Businesses, trade associations such as the Alternative […]
We focus once more on the excellent new guide to peer-to-peer (p2P) lending from Orca Money. This element outlines the benefits and the risks of this asset class. Visit the site to download a free copy. Benefits In a low-yield environment, P2P can offer stable, predictable, risk-adjusted returns. P2P investments offer average annual returns of […]
Income-dependent investors need to target yield like never before in recent years. Our friends at P2P Finance News report that “interest-starved savers have been hit with more bad news after inflation hit a five-year high.” This latest news piece is written on the back of retail-price inflation rising to three per cent, and it calls […]
Peer-to-peer (P2P) lending is a simple mechanism with a fancy name. It’s as simple as can be, because P2P is no more and no less than a credit union, a very old form of finance – where people club together and extend credit to worthy individuals or businesses. The fancy name comes about because in […]
Our friends at Orca Money have produced a thorough and helpful – some might say “killer” (sorry) – guide to the peer-to-peer (P2P) lending sub-sector of crowdfunding. We like the work, and will be running some instalments over the coming days. Here’s a chunk. The guide is available for free for visitors who visit the […]
The UK start-up revolution shows no sign of ending, according to a recent report in The Financial Times. The newspaper cites various sources in stating that “last year nearly 660,000 companies were established, up from 608,000 in 2015, according to the Centre for Entrepreneurs, a think-tank. This year it looks likely that the record will […]
Today, we look at the important and legitimate asset class on the other side of the crowdfunding fence – equity raises. We have long argued that equity raises are a a useful and interesting part of a balanced portfolio of investments for risk-tolerant investors. The upside of equity investment is potentially very attractive, but the […]