FT Alphaville carries an interesting blog that delves into the complexities that can lurk beneath the surface of making a loan to a small business. It affords an opportunity to explain what peer-to-peer lending with Money&Co. is all about. First, we offer an extended excerpt from the thought-provoking Alphaville piece. “Here’s a fairly simple problem to […]
Congratulations to Syndicate Room, and founder Goncalo de Vasconcelos. Our friends on the equity side of the crowdfunding fence have done a deal to expand their business to the United States. Syndicate Room does equity raises, and we at Money&Co. do loans. Equity crowdfunding sees money committed to a stake in a young company (i.e., […]
The crowdfunding industry is facing what some term “First World Problems”. In other words, the future is warm and bright for the industry and consumer alike – and the major difficulty is how to make the best of a good situation. In concrete financial terms, the Innovative Finance Individual Savings Account (IFISA), which will be […]
Today we follow on from yesterday’s look at regulation. The UK’s chief financial regulator has invited views from industry participants, a consultation process prompted in part by the trend amongst some crowdfunding lenders to invite in big institutions in to the peer-to-peer (P2P) game. We now see more evidence of this trend in the United […]
The UK’s chief financial regulator, the Financial Conduct Authority (FCA), has just published a consultation paper on how peer-to-peer (P2P) lenders in the crowdfunding space should handle lenders’ money. We’re particularly interested in this, as Money&Co. is a P2P business lending crowdfunding platform with a commitment to bring individuals seeking a good return on capital […]
Today, we offer a reminder that there is no such thing as profit without risk. Lenders need to be mindful of that fact before committing capital. Regulators, of course, try to save us from ourselves. But what type of regulation is best in the crowdfunding world? Money&Co. co-founder and shareholder, Luke Davis, expressed strong views […]
Today we carry a piece that will not bring regular readers new news. But we are pleased that our friends at Compliancy Services have written what they have written. The article is a sign of the times – ie, that alternative finance, including crowdfunding and the peer-to-peer (P2P) business lending (a sub-sector of crowdfunding) that we do […]
Adapt or face irrelevance… or extinction. Not our words, but those of the international media outlet, World Finance, quoting a report from accountants and consultants, EY. The report continues: “Many paradigms that governed investor behaviour have long since been discredited. Firms that fail to adjust will face severe challenges for continued profitability and growth. Whether relying upon […]
The Federation of Small Businesses (FSB) has just released research that shows “a growing gap in confidence between businesses in Scotland, North East England and Wales and those in the Midlands and the South of England”. While we are not challenging the FSB’s findings, there’s some surprise and disappointment at Money&Co. “We’re constantly making trips […]
David Prosser, a columnist for Forbes and The Independent, reports on what he sees as a rosy future for our sector, and the lenders and borrowers we serve. David writes: “If 2015 was the year when alternative finance went mainstream then 2016 offers the promise of a different type of breakthrough – an opportunity for […]