We are heading into the ISA season. Comment platform Your Money reprises the situation, as investors and savers look to commit cash ahead of the end of the tax year in April. There are currently six different types of ISA available, falling broadly within the cash or investment arena. The most suitable will vary, depending […]
Peer-to-peer (P2P) lending is about bringing individuals seeking a good return on capital together with businesses seeking funds to grow. The average gross return achieved by lenders is 8.6 per cent (7.6 per cent net). This compares with 1.3 per cent, which is the best return currently available on cash deposit with a bank or […]
As we write today’s News story, the latest, B+ rated five-year loan is drawing to a close. The price of the credit offered is falling, as registered lenders compete for a piece of the action. Several new loans are due on site shortly – so we thought it might be helpful for casual visitors to […]
There’s a kind of Holy Trinity to be considered by anyone thinking of making an investment in a peer-to-peer (P2P) loan. Lenders on this site have achieved an average gross yield of 8,6 per cent. But the yield, while attractive, is just one factor to assess – access and security are the others (as we […]
Income-dependent investors need to target yield like never before in recent years. Our friends at P2P Finance News report that “interest-starved savers have been hit with more bad news after inflation hit a five-year high.” This latest news piece is written on the back of retail-price inflation rising to three per cent, and it calls […]
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 […]
Our friends at P2P Finance News bring the latest report of the fast-increasing popularity of the Innovative Finance Individual Savings Account (Innovative Finance ISA, or IFISA). Here’s an excerpt from the article: “One third of money placed into Innovative Finance ISAs (IFISA) on individual platforms in the previous tax year was from transfers rather than […]
Today, we revisit a recurring theme of our reporting on the peer-to-peer (P2P) business lending scene: the interplay amongtst the Holy Trinity of asset appraisal – security, access and yield. We’re prompted to do so by a move from the Prudential Regulation Authority (PRA) to raise the level of coverage for cash deposit accounts at banks […]