Monthly Archives: October 2016

IFISA Offers Lenders A Bright Future – One Day…

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, […]

P2P Or Marketplace Lending? What’s In A Name?

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 […]

Post-Brexit Lending And Borrowing Via The P2P Crowd

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 […]

SME Borrowing: The Crowdfunders’ Balancing Act

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. […]

Crowdfunding: Equity And P2P Compared

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 […]

P2P Returns In Lower Interest Rate Environment

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 […]

A Modest Proposal: Towards Transparency In Equity And Debt

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 […]

Crowd Gathers At Shoreditch AltFi Conference

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. […]