The new Innovative Finance Individual Savings Account (IFISA) is something we thoroughly approve of. Money&Co. Lenders have achieved average gross yields of 9.1 per cent. This would become even more attractive if lenders could wrap their loans into an IFISA, and benefit from taking their income tax-free. At the new limit of £20,000 per annum, […]
We know what we do, but what should we call it? Academics, commentators and pundits have long been casting around for the correct taxonomy of peer-to-peer lending (P2P) our young sub-sector of crowdfunding, itself part of the wider world of alternative finance. Some get there sooner than others. Here’s a brand-new piece offered by International […]
From a lender’s perspective, lending money to small companies is all about getting good returns on capital. The borrowing small company typically wants the money to fund growth. But what are the prospects for growth, following the Brexit vote? Our friends at Bloomberg take a long look the prospects for British peer-to-peer lenders, who “were […]
Lending to small businesses via the mechanism of crowdfunding is a balancing act. Each platform has to balance the advent of new borrowers on site with the liquidity available from existing or potential lenders. Today, we take a look at the borrowing side, with the help of an interesting blog run by specialist small-business site, SMEWeb. […]
Today, we take a peek over the fence at our cousins in the equity side of the crowdfunding fence. Our friends at Crowdfundinsider report a healthy state of affairs: “As everyone knows by now (or at least they should), small and medium-sized businesses are vital for economic growth and prosperity. SMEs are the job creators in the […]
How will peer-to-peer (P2P) lenders fare when interest rates fluctuate? That question is frequently posed in the mainstream media, which is beginning to show increased awareness and understanding of the P2P lending sector – one of the fastest-expanding sub-sectors of alternative finance. The Bank of England’s lowering of base rates earlier this year has so […]
Today’s news stories focus on recent calls for change in the equity and our own peer-to-peer (P2P) crowdfunding sectors. Change is inevitable in a young industry. But is it good? Here are our modest, tentative proposals for equity and debt crowdfunding. The Peer-to-Peer Finance Association (P2PFA) has said it wants tighter regulation. Some believe the […]
Young industries, such as our own alternative financial sector, are exciting but subject to change. At Money&Co., we take the view that calls for reform are inevitable and often useful – no-one can get it all right first time. Below, we run an excerpt from Economia, which reports a call for reform of the equity […]
Repetition can be a rhetorical device of great effect. Mostly, it’s just dull – the sound of not very bright people agreeing with themselves (It is. It is. It is.). So hats off to Phil Geraghty of Crowdfunder, Darren Westlake of Crowdcube and Money&Co.’s CEO, Nicola Horlick, (see opiucture, above) who spoke at length and very […]
And so to Shoreditch. This ancient part of London, frequented by Shakespeare and his troupe, The King’s Men, in relatively recent times, played host to a conference on modern, cutting-edge finance. Crowdfest, mounted in association with the UK Crowdfunding Association, covered the full gamut of alternative finance, and continues tomorrow. You can register here. Money&Co. […]