Today, we revisit an old problem – and the new answers that the alternative-finance industry is offering, How should a small company seeking funds to expand go about it? By selling equity to investors? Or should it seek loans from lenders? More mature companies will typically take on debt rather than give away precious equity. […]
As peer-to-peer (P2P) crowdfunders, bringing individuals seeking a good return on capital together with carefully vetted small businesses, we are delighted to be part of the alternative business funding hub. And we welcome news that sees integration between alternative finance providers and the mainstream. Witness this report from Financial Times: “NatWest has struck a deal […]
Paul Blanchard of the Business Leaders audio platform came to our offices recently, and the resulting interview with Money&Co. CEO, Nicola Horlick, is well worth a listen. Nicola Horlick is the CEO of Money&Co, a crowdfunding business which connects investors with businesses looking for finance. Dubbed ‘City Superwoman’ by the media, aged 28 Nicola […]
The new Innovative Finance Individual Savings Account (IFISA) is something we thoroughly approve of. Money&Co. Lenders have achieved average gross yields of 9.1 per cent. This would become even more attractive if lenders could wrap their loans into an IFISA, and benefit from taking their income tax-free. At the new limit of £20,000 per annum, […]
We know what we do, but what should we call it? Academics, commentators and pundits have long been casting around for the correct taxonomy of peer-to-peer lending (P2P) our young sub-sector of crowdfunding, itself part of the wider world of alternative finance. Some get there sooner than others. Here’s a brand-new piece offered by International […]
From a lender’s perspective, lending money to small companies is all about getting good returns on capital. The borrowing small company typically wants the money to fund growth. But what are the prospects for growth, following the Brexit vote? Our friends at Bloomberg take a long look the prospects for British peer-to-peer lenders, who “were […]
Lending to small businesses via the mechanism of crowdfunding is a balancing act. Each platform has to balance the advent of new borrowers on site with the liquidity available from existing or potential lenders. Today, we take a look at the borrowing side, with the help of an interesting blog run by specialist small-business site, SMEWeb. […]
Today, we take a peek over the fence at our cousins in the equity side of the crowdfunding fence. Our friends at Crowdfundinsider report a healthy state of affairs: “As everyone knows by now (or at least they should), small and medium-sized businesses are vital for economic growth and prosperity. SMEs are the job creators in the […]
How will peer-to-peer (P2P) lenders fare when interest rates fluctuate? That question is frequently posed in the mainstream media, which is beginning to show increased awareness and understanding of the P2P lending sector – one of the fastest-expanding sub-sectors of alternative finance. The Bank of England’s lowering of base rates earlier this year has so […]
Young industries, such as our own alternative financial sector, are exciting but subject to change. At Money&Co., we take the view that calls for reform are inevitable and often useful – no-one can get it all right first time. Below, we run an excerpt from Economia, which reports a call for reform of the equity […]