The UK media has carried a series of commentaries in recent days asking more or less the same question: Why are there no UK tech giants, like Amazon or Google? It’s a moot point, but we can at least say with some conviction that we have a healthy tech sector in the UK, and the […]
Tech UK reports the outcome of a seminar on alternative funding sources for small and medium-sized businesses, post-Brexit. Regular readers will be aware that this is a topic close to our hearts here at Money&Co. “With negotiations underway to extricate the UK from the European Union, techUK’s Financial Services & Payments Programme convened to explore what Brexit […]
Today FT Alphaville looks at P2P accounting and an evolving business model in our sector. We offer an excerpt and our own commentary below (and encourage readers to subscribe to FT’s journalism offering). “One of the key features of peer-to-peer (P2P) lending is an absence of centralised balance sheet risk. “In the traditional, boring model […]
Frustration is a word heard all too frequently in the process of financing small businesses. Survey after survey demonstrates that small businesses are frustrated by slow-moving traditional lenders. And alternative finance providers and facilitators, such as Money&Co., are upset by our seeming inability to get the message across that there is an alternative. However, we […]
Infancy has its problems. Yes, the charm of youth is compelling, and often truths emanate from the mouths of babes. But all that novelty can create a climate of uncertainty, and juvenile testimony is notorious unreliable. So it is with the still-young word of crowdfunding and alternative finance. Witness the subtext of this Alison Coleman […]
Our friends at Crowdfundinsider showcase an opinion piece on regulation by Italian lawyer, Alessandro Perro. The focus is on regulation. Mr Perro points out: “The European internal market exploded: more than E5.4 billion was collected through alternative finance in 2015, according to a University of Cambridge report, with about E7 billion forecasted by the end of […]
Recent research throws new light on an old debate. What’t future of the crowd – the individual lender or equity investor – in crowdfunding? The new research comes via Consultancy.uk: “Alternative finance market for SMEs and personal loans, through marketplace lenders, has in the space of just five years, grown from almost nothing to £2.7 billion,” […]
It’s been said before, and doubtless will be again: FinTech is the coming force in financial services. Of course, we would say that, wouldn’t we, as crowdfunders facilitating peer-to-peer (P2P) business loans? P2P lending is one of the fastest-growing areas in today’s finance sector. But don’t take our word for it, read this short extract […]
As regular readers and users will be aware, it‘s our duty to point out that lending, while potentially lucrative, carries risk. Our friends a AltFi report on a fellow P2P lender, and its treatment of risk: “RateSetter has reinstated the expected losses in its portfolio and now gives us two cohort level expected loss figures to […]
It’s a cliche, but, like many cliches, is contains truth: there’s no profit without risk. Two recent stores from the equity side of the crowdfunding fence illustrate the point well. Our friends at CityA.M. report on an equity return report – a reprise of investment performance – released by Seedrs during the week: “The platform […]