Monthly Archives: July 2015

Alternative Finance Finds New Roads To Mainstream

It’s becoming almost a daily event: Alternative finance finds yet another road to reach out to the people. Judith Evans reports in The Financial Times on an initiative by Crowdcube – our cousins in the equity sub-sector of crowdfunding – who are teaming up with broker Numis’s to popularise the share floatation market. “Retail investors […]

Alternative Finance Equity And Debt Power On

Power to the crowd… Alternative finance goes from strength to strength. We recently reported that crowdfunded loans have breached the £4 billion level in the UK. On the equity side of the the amount of funding raised by UK start-ups is also soaring.  “[Raises] via the government-backed Seed Enterprise Investment Scheme (SEIS) topped £163 million last year; […]

‘Mission Inevitable’ – Crowdfunding’s Journey To Liberate Finance

Crowdfundinsider, one of our favourite reads for peer-to-peer (P2P) and equity crowdfunding raises, offers a reprise of the history of crowdfunding. The Statue of Liberty, no less, was an early example of crowdfunding – with subscribers expressing their interest via the newspaper. Now, of course, the prime medium is online, and, as Crowdfundinsider puts it, […]

Growth Figures OK, But Rate Rise Talk Overdone

The going’s been tough, but now, at last, the tough get growing… Today’s Gross Domestic Product (GDP) figures for the second quarter of 2015 have brought some happier news. There was some concern when the economy only delivered 0.4 per cent growth in the first quarter and this was partly attributed to the impending election. The […]

P2P Crowdfunding Set To Enter Market Benchmark

There’s constant talk of peer-to-peer (P2P) crowdfunding becoming part of “mainstream” finance. And behind the talk there’s a growing body of evidence. Here, Citywire reports on the latest move from P2P Global Investments, a quoted investment vehicle that invests in Money&Co.’s P2P sector, and is now set to become part of a major stockmarket index. […]

Babes In P2P Wood – Still Alive And Lending!

Is it all too good to be true? This month’s emergency Budget and the excellent news about the advent of the Innovative Finance ISA (IFISA) was rapturously received by much of the media. Now, there’s a slight shift of emphasis after the understandably shocked and terrified Cash ISA providers have launched expensive media campaigns focused […]

Rates, Risks, Yield: P2P Loans Versus Cash Deposits

Liberum AltFi Returns Index Today’s news is an exercise in comparison and contrast in the retail savings space. When considering cash savings accounts and peer-to-peer (P2P) business loans (after this month’s Budget, and the advent of the Innovative Finance ISA, such comparisons are inevitable) the key criteria to examine are access, yield and security. At […]

P2P UK Lenders Rise Above £4bn Level, Says AltFi Data

The rise and rise of crowdfunding in general, and the peer-to-peer (P2P) business-lending sector in particular, continues. New figures from AltFi Data show that UK P2P lenders’ cumulative business now stands at more than £4 billion. Britain is way ahead of the rest of Europe, which together amounts to just over £1 billion. “As we often […]

Don’t Drown P2P Babes! Standard Calls For Enlightened Regulation

The Standard runs a cogently argued opinion on the policy vacuum after the change of leadership at the UK’s leading regulator, the Financial Conduct Authority. The column highlights the need for continued enlightened regulation in the FinTech and P2P spaces – and a lighter touch in the equity sector. “In the financial technology space, [the […]