Cryptocurrency is very much in vogue at the moment. It’s becoming the token of choice for creating liquidity on some platforms. As things stand, cryptocurrencies are all translated back into “fiat” or mainstream currencies such as the dollar or pound. This is very much an area to watch. We can however reveal that neither of […]
Ahead of two new loan offerings coming online very soon, we thought we’d remind you of the portfolio service. This is a managed service for larger investors with a minimum of £100,000 to invest. We will manage your loan portfolio for you and ensure that there is sufficient diversification to reduce risk. When money comes […]
The long-expected stock-market flotation of Funding Circle is finally getting underway. Here’s how our friends at P2P Finance news report the news. FUNDING Circle is readying to hire advisers to prepare for a £1bn-plus float later this year. The peer-to-peer business lender has reportedly told investment banks that it will hold a beauty parade before […]
Question: When is saving not really saving? Answer: When it’s an investment. We have long been mindful of the need to highlight the difference between savings and investments. The differentiation of the two is something that the Financial Conduct Authority has stressed in various guidance notes. Our care to highlight the risks inherent in peer-to-peer […]
The first new loan offering of 2108 has got off to a flying start. More than 27 per cent funded in less than a day, lenders are demonstrating great enthusiasm for this property-backed offer. As is our wont on these occasions, we let the borrowers speak for themselves – and remind you that we have […]
No government is perfect. But it’s hard to fault the present administration’s attitude to the peer-to-peer (P2P) lending industry. The government recently announced the beginning of legislation that will “clarify that no business borrowing through a peer-to-peer platform needs to be regulated as a ‘deposit taker’ (often referred to as a ‘banking licence’) unless that […]
Hello, and please accept our best wishes for what promises to be a very exciting 2018. As is traditional at this time of year, it’s time for a bit of retrospection and some crystal ball gazing. What went right and wrong in 2017? And what does 2018 hold for finance and economy in the UK […]
Merry Christmas from all of us at Money&Co. We’ll be back after the festivities for what promises to be an exciting and productive 2018. Peer-to-peer (P2P) lending is about bringing individuals seeking a good return on capital together with businesses seeking funds to grow. The average gross return achieved by lenders is 8.6 per cent […]
Our friends at P2P Finance News run a piece arguing that the peer-to-peer lending sector of alterative finance is ready for consolidation next year. We agree, and see, apart from the reasons set out below, a major expansion in the sector as savers and investors transfer their Cash Individual Savings Accounts (ISAs) into Innovative Finance […]
The Individual Savings Account (ISA) season typically gets into swing in the new year, but we thought we’d offer a reminder of what to do for those of you who are organised enough to invest well ahead of the tax deadline. You can see an instructional video here, and below we offer an excerpt of […]