Freedom of choice or labour-saving device? There’s been some concern in certain quarters that some players in the peer-to-peer (P2P) business lending sector of crowdfunding will no longer allow investors on their platforms to choose which specific companies they want to lend money to. Leading commentator David Prosser, who profiled our CEO in Forbes a […]
An updated consumer guide to equity crowdfunding from the European Commission offers some expert (yes, expert) commentary on the differences between equity and debt crowdfunding. As a specialist peer-to-peer (P2P) business lending platform, we are on the debt side of the fence. We strongly believe that equity and debt assets are not competitive. Which is […]
Today we look at some commentary that examines the Cash Individual Savings Account (ISA) market in a benign light. The points made are interesting, but we feel the broader picture needs to be examined. The text (edited for reasons of space and economy of narrative) comes from a microsite, Best Savings Rates. The full article […]
A new loan offer is due on site soon. Strong lender interest has seen excellent progress on the two current offerings, one of which is 96 per cent filled at the time of writing, and will close tomorrow. Ahead of the arrival of the new offering, we thought we’d take the opportunity to further explain […]
Levels of awareness of and trust in alternative finance need to rise, as we reported yesterday. We bring together small companies seeking funds to grow with individual lenders seeking good returns on their capital. But recent research shows that small companies, who often don’t like banks, still don’t seriously consider alternative sources of finance, such […]
We start the week by examining contradictory signals as to where the alternative finance industry is going, and what is driving it. We have consistently stated that investors in the peer-to-peer (P2P) asset class (known in plain English as “lenders”) should consider security and access to capital, as well as the yield that P2P loans […]
The mainstream media is beginning to take peer-to-peer (P2P) lending seriously. Our friends at FT Adviser offer some analysis of P2P as an asset class that might be recommended to the clients of financial advisers. We reproduce excerpts from the article, with our comments. “[P2P] has reached a stage of maturity where it can be […]