The fallout from the failure of the Lendy peer-to-peer (P2P) lending platform continues. In the wake of this failure, the Financial Conduct Authority (FCA) came in for a lot of criticism. That criticism can only have been a catalytic factor in persuading the FCA to take a hard look at the P2P sector. As a […]
Providers of financial services like “sticky” money, capital that stays once it’s arrived. The fact is that small investors and savers, often criticised for “inertia”, are slow to action. Their money, generally speaking, is sticky. At Money&Co. we are committed to keeping the crowd, in the form of the small investor, in crowdfunding. The stickiness […]
Peer-to-peer (P2P) lending can be a lucrative activity. The average yield achieved by our registered lenders over more than five years of loan facilitation on this platform is more than 8 per cent, before we deduct our one per cent charge. That return has handsomely outperformed retail price inflation, which has averaged around two per […]
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 […]
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 […]
There’s been some head-scratching in analytical quarters as to why the long-predicted consolidation in the peer-to-peer (P2P) lending sector hasn’t materialised. The answer from one commentator is a lack of diversity in product offering among some P2P players. We think that’s a sensible argument. Diversity in product offering – and in the loans on offer […]
The question keeps being asked: Is the crowd (ie, the retail lender) going to be squeezed out of crowdfunding? Our friends at P2P Finance News report that “a number of purely institutional products have been unveiled recently in the peer-to-peer lending sector”. The question then posed by P2PFN is whether this to the benefit or […]