Monthly Archives: March 2016

P2P Crowdfunders Should Welcome Media Scrutiny

The risks of crowdfunding have attracted a lot of media attention recently. Our sector, the peer-to-peer (P2P) business lending part of crowdfunding, in particular, has been under the microscope. It’s an issue whose examination we believe crowdfunders should welcome. We certainly do so at Money&Co. – especially when it’s done in the thoughtful manner that […]

Brexit Would Be Bad For Businesses, Big And Small

Today I take a look at big-picture economics and politics, and ask how it all affects the small and medium-sized enterprises whose funding Money&Co. facilitates by means of peer-to-peer (P2P) business lending. One of the great economic successes for the UK over the last twenty years has been the revival of the British car industry. […]

Bigger Loans, Fruitful Yields At Money&Co.

Thanks to our friends at Crowdfundinsider for an interesting feature interview with Money&Co.’s Luke Davis. Luke, who also runs IW Capital, an equity-investment business, focuses primarily on equity and the benefits of Enterprise Investment Scheme tax breaks and their role in driving growth for start-ups and small businesses. But it’s very much worthwhile reading Luke’s comments on what’s […]

Crowdfunders Push Back Against ‘Genius Lenders’ Criticism

We note with interest – and broad approval – remarks made by Samir Desai, co-founder of our bigger brother in the peer-to-peer (P2P) lending sector. Speaking at AltFi’s recent conference, Mr Desai reacted to Lord Adair Turner’s remarks on the BBC’s Radio 4 Today programme. Lord Turner criticised the credit-analysis process and lending policies of […]

Crowdfunders’ Co-Operation On SME Funding A Welcome Move

Our friends at AltFi report on a link between a major peer-to-peer crowdfunder, RateSetter and the Angel-led equity crowdfunder, SyndicateRoom. AltFi editor Ryan Weeks highlights a innovative tie-up between these two major players – and it’s a move that we very much welcome at Money&Co. See a panel discussion here. Back in October we were […]

FinTech: Financial Services Disruption ‘Unavoidable’

AdaPia d’Errico, of PatchOfLand, blogs in The Huffington Post on the global macro-economic and demographic trends that she believes augur well for crowdfunding. This is a thoughtful and well-argued piece, and we offer excerpts of particular relevance to financial services – and the burgeoning peer-to-peer (P2P) business lending sub-sector – below. “By now, early 2016, […]

Crowdfunders Still Have SME Funding Gap To Fill

Our friends at Crowdfundinsider report on the gap – still large and largely unfilled – in funding UK small and medium-sized enterprises (SMEs). “Since the financial crisis traditional banks have retrenched from lending to small and medium sized businesses leaving a huge funding gap in their wake. Such lenders have withdrawn SME overdrafts at a […]

IFISA Regulations Roll Out As P2P Funds Falter

There was lots of good news for crowdfunders and peer-to-peer (P2P) lenders in yesterday’s Budget. Money&Co.’s CEO, Nicola Horlick, has already welcomed the raising of the Individual Savings Account (ISA) limit to £20,000, up from £15,240 – good news for the new Innovative Finance ISA, which will be able to include P2P loans, such as […]