If you can’t assess risk, you shouldn’t invest money. With that in mind, we look at the following statement, with which we heartily concur: “Risk versus return in the peer-to-peer lending (P2P) market is defined by the borrowers,” write our friends at Orca Money. We run a short extract of the Orca piece below. As […]
Every week seems to bring another episode in the push-me, pull-you saga of Brexit and its information wars. The latest research on the possible effects of Brexit on FinTech, our very own sector of the UK economy, is analysed by P2P Finance News. THE FINANCIAL services sector needs to attract and retain entrepreneurial talent to […]
Our friends at Orca Money offer analysis of peer-to-peer (P2P) lending as part of a balanced portfolio. We run an excerpt of their article, with the full text available here. Asset classes have their own varying characteristics, such as level of risk and potential returns in different market conditions. Peer to peer lending is no […]
The alternative-finance industry is trying hard to make headway, but there’s still plenty of work to do. As we bring individuals seeking a good return on capital together with carefully vetted small business looking for the funds to grow, Money&Co. has moved smoothly past the £10 million mark in loans facilitated since 2014. The average […]
Initial Coin Offerings (ICOs) are becoming increasingly common as a form of fund-raising amongst small businesses. ICOs are in some ways a cross between equity raises and peer-to-peer (P2P) lending. Technically, the company takes a loan in in its newly created currency, and lenders, who will have paid for their cryptocurrency in mainstream, fiat currency, […]
All business look for a unique selling point. Many claim to have a USP, even if they don’t. But we really do have something that makes Money&Co. special – we think perhaps unique – in the P2P crowdfunding sector. Our management company also has fund-management authorisation from the Financial Conduct Authority. This means our lenders […]
Is the Cash ISA dead, as our friends at The Daily Express report? Nicola Horlick, CEO of Money&Co. believes that the coming ISA season will revolutionise the savings market, and that cash deposits offer very poor value (at 1 per cent and a little more, if you’re lucky – with inflation at 3 per cent). […]
Many commentators argue that one of the benefits of investing in debt raised by private companies is the lack of correlation between the performance of a loan and the oscillations of the stockmarkets. Whether or not shares are currently overpriced, our portfolio has certainly performed well – with no loan defaults in over three and […]
Banking is a tricky and complicated business involving lots of paper and bureaucracy. Banks might try to pretend otherwise, but we all know this is so. So it’s a relief that there’s no chance of the registered lenders on this platform turning into bankers by default. Money&Co. brings lenders seeking good return on capital together […]
Regular lenders will be familiar with the new offering on site. GH9 is the latest tranche from a financial-services borrower. The loan is rated A, with a fixed interest rate of 8 per cent, and a term of three years. Below is an excerpt of the borrower’s representations. As ever, we have done due diligence […]