The Financial Conduct Authority (FCA) has launched a market study on the credit information sector. The idea is to analyse how the sector bestows the favour of credit on borrowers (and it is bestowed like a favour in many cases). This brings to mind Money&Co.’s own credit analysis. We have facilitated loans of around £18 […]
The language may be emotive but the loss is real. We have over the years often referred to the terribly low savings rates offered by banks and building societies to investors as the Great Savings Robbery. The point is simple: savings rates are consistently low, and borrowers find themselves paying higher rates. See some of […]
Central governments are generally thought of as being off the pace in the cryptocurrency world. Money&Co.’s two ha’pence on the subject is that this perception is broadly true. One thing is sure: the world’s governments and their regulators are set to face a challenge like never before with the advent of Facebook’s own digital coin. […]
We see that a major player in the peer-to-peer industry appears to be moving further away rom individual investors in favour of institutions. We excerpt a news report below. Our comment on this is twofold. First, we remain committed to keeping the crowd in crowdfunding (see earlier articles). Second, all this is fine, if Funding […]
We are pleased to announce the arrival of a new loan offer on site. After passing through our credit-analysis process, the loan is risk-rated B, with an 11 per cent gross yield, that is 10 per cent after deduction of Money&Co.’s one per cent fee. It has a five-year term. Although just recently landed on […]
In, out, in, out, etc. The topic of SME financing – how easy it is to find from non-banking sources, rates of uptake and the like – is the subject of regular surveys producing more or less contradictory assessments. Here’s an earlier piece we published here in News pointing out the flip-flop nature of the […]
The latest loan offering to be approved by our credit committee has an A rating, a five-year term and a fixed-rate yield of 8 per cent. The loan is 29 per cent funded at the time of writing. TSM International is “a one-stop shop for online businesses and it operates across 240 different countries. It […]
It’s perhaps no surprise then that many homeowners have seen the value of Money&Co.’s Inheritance Tax Service. This takes advantage of Business Relief. At present, estates with a value of more than £325,000 pay 40 per cent tax. This is reduced to 36 per cent if 10 per cent of the estate is given to […]
Is this persistence, smart timing, or just bad luck? We report regularly here on the travails suffered by some players seeking to open new avenues into peer-to-peer (P2P) investing. After the problems experienced by Funding Circle’s investment trust, there’s a launch of a similar vehicle by Augmentum, as reported by our friends at P2P Finance […]
In part II of our blog on the P2P sector after the high-profile collapse of the Lendy platform, Nicola Horlick, Money&Co.’s CEO looks at how Money&Co.’s P2P loan book compares in terms of security and access as well as performance – with leading mainstream investments. Over the last 20 years, the FTSE 100 index has […]