As the Individual Savings Account (ISA) season gets into full swing ahead of the close of the tax year in April, we’ve been contacting some of our registered lenders – especially those with a chunk of capital parked in their account and not earning interest. It’s our role to vet borrowers very carefully, make sure […]
The end of the tax year draws near, and we are entering what is known as the Individual Savings Account (ISA) season. That means our registered lenders can get their returns tax-free. No income tax – and as lenders are not seeking capital gain, there is no question of capital taxes. But whether or not […]
The investment story of the autumn and winter has been the rise and rise (and fall and fall) of cryptocurrencies, with Bitcoin at the fore. As we’ve pointed out before, the area of cryptocurrencies is volatile, but, if it can be linked to real assets, potentially interesting. Here’s how the Daily Express reports the latest […]
The alternative finance sector has a long-standing duty to raise awareness and understanding of what it does. It’s more than simple marketing – it’s a mission to enlighten, to get across the simple message that banks are not the only answer to financial problems. So it’s with some pleasure that we report the launch of […]
Cryptocurrencies are increasingly popular amongst peer-to-peer (P2P) lending platforms. We can see the virtue of an Initial Coin Offering (ICO) in that it can create liquidity where there was one before. The ICO is an interesting animal. But we’ll not be doing an ICO just for the sake of liquidity. At Money&Co. we’re old-fashioned enough […]
If you can’t assess risk, you shouldn’t invest money. With that in mind, we look at the following statement, with which we heartily concur: “Risk versus return in the peer-to-peer lending (P2P) market is defined by the borrowers,” write our friends at Orca Money. We run a short extract of the Orca piece below. As […]
Every week seems to bring another episode in the push-me, pull-you saga of Brexit and its information wars. The latest research on the possible effects of Brexit on FinTech, our very own sector of the UK economy, is analysed by P2P Finance News. THE FINANCIAL services sector needs to attract and retain entrepreneurial talent to […]
Our friends at Orca Money offer analysis of peer-to-peer (P2P) lending as part of a balanced portfolio. We run an excerpt of their article, with the full text available here. Asset classes have their own varying characteristics, such as level of risk and potential returns in different market conditions. Peer to peer lending is no […]
The alternative-finance industry is trying hard to make headway, but there’s still plenty of work to do. As we bring individuals seeking a good return on capital together with carefully vetted small business looking for the funds to grow, Money&Co. has moved smoothly past the £10 million mark in loans facilitated since 2014. The average […]
Initial Coin Offerings (ICOs) are becoming increasingly common as a form of fund-raising amongst small businesses. ICOs are in some ways a cross between equity raises and peer-to-peer (P2P) lending. Technically, the company takes a loan in in its newly created currency, and lenders, who will have paid for their cryptocurrency in mainstream, fiat currency, […]