There’s a kind of Holy Trinity to be considered by anyone thinking of making an investment in a peer-to-peer (P2P) loan. Lenders on this site have achieved an average gross yield of 8,6 per cent. But the yield, while attractive, is just one factor to assess – access and security are the others (as we […]
We’re all set to roll out a series of loans for inclusion in an Innovative Finance ISA (Individual Savings Account). The average gross yield achieved by Money&Co. lenders across some £10 million of loans facilitated since 2014 is 8.6 per cent (7.6 per cent, net of our 1 per cent charge). Other new loans, and […]
The new Individual Savings Account (ISA) season promises to be particularly frenetic. Like it or not, there is such a thing as a season (and we actually don’t like it – see this earlier article that points out the benefits of early investment, especially for high-yielding assets). The season is essentially a whirr of activity […]
Alternative finance – with peer-to-peer (P2P) loans at the forefront – is moving to the mainstream. This process will be accelerated as the Individual Savings Account season (this means, more or less, the last the months of the tax year, ending on 5th April). In this interview with our communications director, Nicola Horlick, CEO of […]
The UK economy grew faster than expected, at a rate of 0.4 per cent between July and September of this year. The key questions arising from this are what this means for base rates – and what this means for savings rates. The headline message, according to Money&Co. CEO, Nicola Horlick, is that potentially higher […]
Crowdfunding is the precocious infant of the financial services world. Which may be why the idea of playing in a “sandbox” to find the right way to regulate us seems so very apt. There will be teething problems for young industries such as debt crowdfunding, specifically peer-to-peer lending, but we believe it is the way […]
Greetings and Happy Monday to regular readers, registered lenders and casual browsers alike. Last week closed on a busy note at the London Investor conference 2017, and we’ll bring you news of Money&Co.’s presence there shortly. Meanwhile, as our latest loan offering nears closure, we notice this from the other side of the world. The […]
Investor confidence in the peer-to-peer (P2P) crowdfunding sector is picking up again. There was concern in some quarters over P2P last year – much of it engendered by the difficulties of the largest player in the US P2P sector, Lending Club. There were good reasons for that – notably, the aggressive pricing of listed P2P […]
When it comes to advancing money to small and medium-sized enterprises (SMEs), which we think of as the lifeblood of the UK economy, everyone seems to be full of goodwill. But the road to funding hell is paved with good intentions. While the government, the Federation of Small Businesses, trade associations such as the Alternative […]
We focus once more on the excellent new guide to peer-to-peer (p2P) lending from Orca Money. This element outlines the benefits and the risks of this asset class. Visit the site to download a free copy. Benefits In a low-yield environment, P2P can offer stable, predictable, risk-adjusted returns. P2P investments offer average annual returns of […]