Tag Archives: lending risk

New Five-Year Property-Backed 8% Yield Loan Comes To Market

The latest tranche of the Seascape offering has just been released to market. The offer is for £250,000, with a fixed-rate yield of 8 per cent. The term of the loan is five years. Below we reproduce an extract of the borrowing company’s representations to lenders. While the offer has been subjected to our risk-analysis […]

Stocks vs P2P Loan Risk, Cryptocurrencies And More…

Here’s the good news. Review the savings market and the best return comes from peer-to-peer (P2P) loans (certainly higher yielding than cash). But is the good review justified? You have to understand the risks before investing. We’re delighted to offer a guest blog from the excellent Business Cloud and its equally excellent editor, Chris Maguire, […]

New A-Rated Loan Offer Comes To Market – Plus Loan Performance Update

The latest loan offering from one of our repeat borrowers, a financial services company, is now online. It’s A-rated for risk, and the indicative yield is 8 per cent. Bidding this morning has been brisk.  Below we provide an extended excerpt of the borrower’s summary. As usual, we’ve used our best endeavours to verify the […]

IFISA: We Have Lift-Off!

We are delighted to announce the launch of Money&Co.’s Innovative Finance Individual Savings Account (IFISA). The IFISA was introduced on 6 April 2016, but there have been relatively few on the market, as the regulators have withheld the full permissions necessary to market and manage an IFISA. An IFISA is essentially a tax-wrapper that allows registered […]

A+ Loan Auction Closing: Credit Bids In Action

Our second property-backed loan from webuyanyhome.com is set to close within hours of the writing of this article. This offering is risk-rated at A+, and is property-backed (ie, secured on the houses that the borrower buys). As the auction closes, we observe a familiar pattern: the £208,400 loan offer is fully funded, but lenders are […]

Risk Awareness In P2P – Plus Latest On A+ Loan

Risk awareness is the hot topic in peer-to-peer (P2P) business lending at the moment. We’re currently seeking feedback from lenders – and borrowers too – in an attempt to ensure that we’re doing everything we can to be transparent and lucid in our explanation of the risks as well as the benefits of P2P loans. […]