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Alternative Finance blog

Entrepreneurs' Relief Cut

Entrepreneurs' Relief Cut

9 days ago


Author: Stephen Hazell-Smith, Chairman of NextFin Does our Chancellor and the Treasury understand capital formation for entrepreneurs? Entrepreneurs’ Relief has been spotlighted by the Insti..

Tagged: Entrepreneurs News


What are EIS and SEIS tax investment schemes?

What are EIS and SEIS tax investment schemes?

17 days ago


As legal adviser to a number of investment funds and small to medium-sized businesses, we are often asked at Harper James Solicitors which UK government schemes offer the most tax-effective ways to ..

Tagged: Investment EIS SEIS Tax Investors


How to Invest in start-ups with equity crowdfunding

How to Invest in start-ups with equity crowdfunding

25 days ago


If you want to see your money build and create wealth over time, potentially investing in businesses could be the answer. Aside from the possibility of earning profits, investing in businesses can ..

Tagged: equity crowdfunding investment Start-up


The future of equity crowdfunding

The future of equity crowdfunding

1 month ago


Author: Sacha Bright, CEO Since founding Business Agent Ltd 6 years ago, now rebranded to NextFin we have aggregated and monitored over 3000 equity crowdfunding pitches and the industry is around 1..

Tagged: equity crowdfunding


A guide to peer-to-peer property lending

A guide to peer-to-peer property lending

1 month ago


Author: Roxana Mohammadian-Molina, Chief Strategy Officer at Blend Network Many of you may have heard about peer-to-peer (P2P) property lending; some of you may have already dipped your toes in it;..

Tagged: p2p equity property investment


NextFin revealed that it had acquired CrowdRating

NextFin revealed that it had acquired CrowdRating

2 months ago


Business Agent Ltd, trading as NextFin, is launching a new peer-to-peer lending rating service. The firm explains how NextFin will provide an additional layer of due diligence on the industry for in..

Tagged: FCA Peer to Peer


How Boris’ manifesto affects start-ups

How Boris’ manifesto affects start-ups

2 months ago


Boris Johnson has promised good regulation and support for British businesses, a £3Bn National Skills Fund, pledged to keep corporation tax at 19%, increase R&D tax credits and continue to..

Tagged: FCA News SEIS


Benefits of P2P Finance & Securing its Future

Benefits of P2P Finance & Securing its Future

2 months ago


P2P finance has evolved over the last 7 years. Peer to Peer is triple edged, you have the borrower, the lender/investor and the platform. They all need to be happy with a deal for it to work. If a ..

Tagged: Peer-to-peer Lending


Approved Persons Regime Replaced

Approved Persons Regime Replaced

2 months ago


The Financial Conduct Authority (FCA) have replaced the Approved Persons Regime from the 9 December 2019. Along with the new P2P platform rules, detailing the need for transparency and ensuring pot..

Tagged: FCA Compliance transparency P2P


FCA New Rule on Transparency

FCA New Rule on Transparency

3 months ago


The new Financial Conduct Authority (FCA) rules become enforceable on 9 December which will affect crowdfunding and peer-to-peer (P2P) platforms, PS19/14 section 2.36, detail the need for the platfo..

Tagged: FCA Peer-to-Peer Transparency Equity & Debt Crowdfunding


Crowdfunding Investor Types

Crowdfunding Investor Types

3 months ago


The new Financial Conduct Authority (FCA) rules, PS19/14, coming into force on 9 December 2019 state that crowdfunding and peer-to-peer (P2P) platforms must classify their potential investors. All ..

Tagged: Crowdfunding investors peer-to-peer fca


Equity Crowdfunding Social Impact Rating By NextFin

Equity Crowdfunding Social Impact Rating By NextFin

3 months ago


Following the acquisition of CrowdRating, NextFin are now rating equity crowdfunding pitches to provide potential investors an independent rating to allow them to make informed decisions. We ask th..

Tagged: entrepreneur alternative finance equity crowdfunding


Does Boris Tax Cuts Affect Start-ups

Does Boris Tax Cuts Affect Start-ups

3 months ago


Boris Johnson plans to scrap the pledged tax cut to corporation tax and spend the money on the NHS. As an equity & debt crowdfunding aggregation platform representing thousands of small busines..

Tagged: sme's business economy


MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

3 months ago


Business Agent Ltd, the UKs first FCA regulated Alternative Finance aggregator and ratings platform has merged with CrowdRating and rebranded to NextFin - The Alternative Finance Marketplace. NextF..

Tagged: crowdfunding investments equity crowdfund investing raising finance p2p alternative finance entrepreneur


Sacha Bright has his say on Craft Beer crowdfunding in The Times. Say cheers as craft beer flows into the mainstream

1 year ago


Published by The Times https://www.thetimes.co.uk/article/say-cheers-as-craft-beer-flows-into-the-mainstream-dz0mxbfkq The home brew industry is burgeoning, with investors keen to enter the land of..

Tagged: The Times Crowdfunding


Pensions are getting in on the P2P act

Pensions are getting in on the P2P act

2 years ago


If you are unhappy with the low interest rates that cash savings presently offer and typical income alternatives like equity income funds and corporate bond funds, well you’re not alone. ..

Tagged: Pensions bonds


EIS investment is more generous than ever for UK tax payers from 6th April

2 years ago


From the 6th April EIS investing is even more generous for UK tax payers, as changes from the 2017 autumn budget come into effect. As we reported back in November, the Chancellor wishes to encourage..

Tagged: EIS SEIS TAX RELIEF INVESTMENT


Veganism is on the rise and so is investment in it

Veganism is on the rise and so is investment in it

2 years ago


Restaurant chain Stem + Glory is expanding with thanks to 680 investors who helped it to raise more than £600,000 on equity crowdfunding platform Crowdcube this week (funding closed on Tuesday..

Tagged: Crowdfunding Restaurant


Do you have a thirst for brewers?

Do you have a thirst for brewers?

2 years ago


There’s a thirst for brewers in the UK it seems. Whether it’s gin, beer, whisky or Vodka brewers are looking for capital and investors are drinking it up. But is investor appetite whette..

Tagged: Crowdfunding brewers investors


International Women's Day.  A Push For Progress

International Women's Day. A Push For Progress

2 years ago


The working world has undergone radical change in the last 30 years thanks to technology and the internet. Remember faxes? Teletext? Dial up internet? When you only had a landline? Looking ahead the..

Tagged: International women's day Fintech


Brexit and Interest rates: what do they mean for crowdfunders and P2P INVESTORS?

Brexit and Interest rates: what do they mean for crowdfunders and P2P INVESTORS?

2 years ago


London, 16 February 2018: well it has been a busy week hasn’t it. Brexit dominated the headlines, as the Conservative Government did its best to look organised, rouse and inspire. Economically..

Tagged: Brexit P2P Investors


Alternative finance is a vital resource for UK SMEs

Alternative finance is a vital resource for UK SMEs

2 years ago


Brexit has brought uncertainty and uncertainty is a poor bedfellow for a business trying to plan ahead. The large corporates have been vocal about their concerns, yet arguably the issue is even more..

Tagged: SMEs Alternative lenders P2P Platforms Loans


P2P investing? Don’t put all of your eggs in one basket

P2P investing? Don’t put all of your eggs in one basket

2 years ago


Sometimes the old ways are the best ways. Analysis from firm 4th Way earlier this week found that the odds of losing money in a severe recession were up to 10 times higher if you lent to just one bo..

Tagged: p2p investing risk management IFISA tax efficiently


Technology: the future is now?

Technology: the future is now?

2 years ago


20 years ago Google, facebook, Uber, Amazon and Airbnb did not exist. Today, Facebook, Google and Amazon are considered to have market values that exceed $500 billion, Uber over $50 billion and Airb..

Tagged: Google Facebook Uber Amazon Airbnb investment equity Thyngs investors technology companies equity crowdfunding


Investing In An Alternative Finance Platform

Investing In An Alternative Finance Platform

2 years ago


Ever fancied investing in an alternative finance platform? Well if you have you should definitely get in touch with businessagent.com, but you may also find the news that investly, a peer-to-peer le..

Tagged: equity crowdfunding p2p investing p2p compare platform peer-to-peer lending


Sacha Bright comments on 4th Alternative Finance Industry Report

Sacha Bright comments on 4th Alternative Finance Industry Report

2 years ago


Sacha Bright, founder and CEO of businessagent.com the regulated independent market place for the UK equity crowdfunding and business peer-to-peer (P2P) lending comments on Friday’s 4th Altern..

Tagged: Sacha Bright equity crowdfunding peer to peer lending P2P lending Alternative Finance Industry Report Cambridge Centre for Alternative Finance due diligence


UK Equity Crowdfunding's second biggest fund raising ever happened this week

UK Equity Crowdfunding's second biggest fund raising ever happened this week

2 years ago


The highest funding amount for a crowdfunding campaign in the UK was for Crowdcube, who raised over £7 million, 146% of their target funding amount, with the backing of 3,699 investors.  ..

Tagged: Equity crowdfunding Crowdcube ADC Biotechnology InvestingZone Sacha Bright Invest Investors


Enterprise Investment Schemes (EIS): bigger and better in 2018

Enterprise Investment Schemes (EIS): bigger and better in 2018

2 years ago


November 2017: well how exciting. Expectations were that the Chancellor and HMRC would see the money flowing into EIS and VCTs as a sum of cash worth grabbing and would change the tax treatment acco..

Tagged: Enterprise Investment Scheme EIS Autumn budget Investment investors investing tax relief


Does Crowdcube’s pulling of Shaw Academy’s crowdfunding campaign herald the beginning of a significant change for the Crowdfunding sector?

Does Crowdcube’s pulling of Shaw Academy’s crowdfunding campaign herald the beginning of a significant change for the Crowdfunding sector?

2 years ago


24 November 2017: Something rather interesting happened this week, Crowdcube pulled Shaw Academy’s crowdfunding campaign from its platform.   Shaw Academy, if you don’t know of th..

Tagged: Crowdfunding Crowdcube Investors investing Shaw Academy fairness for investors


Sacha Bright, CEO of businessagent.com comments on the latest Budget

Sacha Bright, CEO of businessagent.com comments on the latest Budget

2 years ago


CEO of businessagent.com, Sacha Bright shares his thoughts on the budget “Hammond’s budget today will be welcomed by the alternative investment community. More money to the British Busin..

Tagged: the budget Hammonds budget Sacha Bright investments investing invest EIS VCT HMRC


Why is property/real estate equity and debt crowdfunding booming in the UK?

Why is property/real estate equity and debt crowdfunding booming in the UK?

2 years ago


The Real estate (property) sector is embracing both debt (P2P) and equity crowdfunding in the UK and elsewhere around the world. To date 19% of the total money invested on UK equity crowdfunding pla..

Tagged: property real estate equity crowdfunding debt crowdfunding invest investing investment NESTA


What does the NESTA/Sage report on SME productivity offer crowdfunding investors?

What does the NESTA/Sage report on SME productivity offer crowdfunding investors?

2 years ago


NESTA and Sage published a report on regional Small and Medium (SME) sized business productivity in the UK this week. It makes for fascinating reading and should certainly attract the attention of W..

Tagged: equity crowdfunding peer to peer lending p2p lending NESTA Sage SMEs London competition businesses


Banks not lending to small businesses is stunting Britain’s growth

Banks not lending to small businesses is stunting Britain’s growth

2 years ago


Every year, thousands of small businesses see their loan applications rejected by the big Banks. Figures from the British Business Bank (BBB) suggest that this equates to around £4bn in loans ..

Tagged: British Business Bank small businesses growth slowing business loans SMEs investment The Hampshire Trust Bank Centre for Economics and Business Research debt capital adequacy


What can happen if you default on a business loan?

What can happen if you default on a business loan?

2 years ago


If you are aware that you won’t be able to meet your monthly loan repayment the best course of action is to call your lender and let them know. Most lenders would prefer to work on a repayment..

Tagged: business loan alternative finance default unsecured loan secured loan avoiding a loan default renegotiate loan terms


Are P2P platforms about to face their toughest test yet?

2 years ago


On Monday GLI Finance wrote down the value of its investments in eight peer-to-peer (P2P) lending platforms by £12.6 million. The investment company that backs fintech businesses cited “..

Tagged: business finance P2P lending peer to peer lending GLI Finance invest investment Lendy Zopa risk


Goldman Sachs to launch a UK online Bank and possible P2P lending platform

2 years ago


Goldman Sachs, the US based investment bank, is set to launch a new online Bank in the UK. It will aim to provide savers with more attractive returns than those on offer from the UKs high street Ban..

Tagged: Goldman Sachs investment bank alternative finance online bank p2p lending peer to peer lending Zopa Ratesetter


Why interest rates remaining low for at least another year is good news for the peer-to-peer business lending sector

2 years ago


A survey by the BBC of the UKs leading economists suggests that interest rates are unlikely to rise before next year.   In June three of the nine members of the Bank of England’s (BoE) ..

Tagged: p2p lending peer to peer lending interest rates IFISA Bank of England alternative finance BBC


Despite low visibility IFISA attracts an average account size of £8,500 and £17m in its first year

3 years ago


HM Revenue and Customs (HMRC) data released today shows that £17 million was invested in Innovative Finance ISAs (IFISAs) in the 2016/2017 tax year.    Launched in April 2016 some ..

Tagged: Alternative finance IFISA HMRC Stocks & Shares Peer to Peer lending P2P lending investment investors growing interest in IFISAs


When is a working capital loan right for my business?

3 years ago


By Zaynab Ahmed, Marketing Manager, Spotcap UK   Despite being the backbone of the UK economy, many small and medium-sized businesses (SMEs) struggle to access the right funding once there is..

Tagged: alternative finance working capital SMEs Spotcap


RateSetters withdrawal from the P2PFA highlights the importance of data transparency

3 years ago


Sacha Bright the CEO and founder of businessagent.com, the UK’s authorised equity crowdfunding and peer-to-peer (P2P) aggregator for businesses believes it is time for the UK’s debt and ..

Tagged: businessagent.com Sacha Bright equity crowdfunding peer to peer p2p Ratesetter P2PFA transparency


Personal relationships matter

3 years ago


Personal relationships matter. No matter the advances in technology, including artificial intelligence (AI), this remains clear. businessagent.com offers investors and businesses sight of the UK&rsq..

Tagged: alternative finance peer to peer p2p SME technology artificial intelligence investors businesses banks IFISA


Tips for loan application success

3 years ago


At businessagent.com we help 100s of small businesses find and apply for loans from P2P platforms or other alternative providers every month. This means we have a very good understanding of what is ..

Tagged: alternative finance business loan unsecured secured small businesses sme entrepreneurs


Could a buy-to-let sell off lead to a peer-to-peer (P2P) lending boost?

3 years ago


The National Association of Landlords believes that 20% of landlords plan to sell one or more of their properties in the next 12 months. Why? Because conditions that favour an attractive regular inc..

Tagged: peer to peer lending p2p lending National Association of Landlords property IFISA investors investments


An update on the Peer to Peer marketplace

3 years ago


The big news earlier this week was released on 31 July by RateSetter. The Peer-to-Peer (P2P) lending site announced that it has issued more than £2 billion of loans to businesses and individua..

Tagged: alternative finance peer to peer lending p2p lending Ratesetter improve transparency default rates


Equity Crowdfunding or Venture Capital?

3 years ago


The reality of crowdfunding and Venture Capital is that the two routes to raising capital are already blurring and becoming more interdependent – which when you consider the fact that equity c..

Tagged: Equity crowdfunding venture capital alternative finance pros and cons raise capital


What do debt warnings mean for investors and small businesses?

3 years ago


The debt warning The Bank of England (BoE) warned again on Tuesday about rising debt levels in the UK. Whilst the majority of UK household debt is related to mortgages, other debt such as credit ca..

Tagged: alternative finance business loans bank of england debt levels peer to peer P2P investing saving


The state of UK Equity Crowdfunding

3 years ago


Beauhurst have stated that equity investment into high growth UK firms is up this year. In their latest update, they said that May saw “an unusually large amount invested” and that June ..

Tagged: equity crowdfunding peer-to-peer P2P Crowdcube investors transparency crowdfunding statistics crowdfunding tools


For capital fund raising success consider combining your options

3 years ago


Never before have businesses in the UK had so many options available to them for raising capital. Where in the past networks were limited and generally localised they can now, thanks to new technolo..

Tagged: fundraising success combine options raising capital business loans business finance venture capital funding options


Banks cutting local ties is better news for businesses than it may first appear

3 years ago


Last week the Guardian reported that RBS was cutting jobs in its small business loans department and outsourcing work to India. These cuts follow the closure of 158 branches last year and represent ..

Tagged: banks cutting local ties P2P peer to peer RBS good news for businesses


Five things you should know about UK Equity Crowdfunding before deciding if it is right for your business

3 years ago


  The process takes longer than you think Researching which crowdfunding platform to target and what they want to see from you, pulling together marketing materials, scripting and rehearsing ..

Tagged: Five things you should know Equity Crowdfunding Equity crowdfunding alternative finance Entrepreneur investing


An exciting week for Peer-to-Peer

3 years ago


It has been an exciting week for the UK’s Peer-to-Peer (P2P) sector. The Financial Conduct Authority (FCA) agreed to give full authorisation to several of the sectors biggest names. Which on t..

Tagged: peer-to-peer p2p investment FCA IFISA Innovative Finance ISA full authorisation Funding Circle high yields


What’s of note in the UKs Peer-to-Peer and equity crowdfunding sectors

3 years ago


We are almost at the half-way point for 2017, which begs the question what is worth noting in the Peer-to-Peer and UK equity crowdfunding markets?   Well firstly peer-to-peer is having a reco..

Tagged: equity crowdfunding equity crowdfunding p2p peer to peer alternative finance IFISA Innovative Finance


Write the greatest children's story ever told... their own!

3 years ago


There’s no denying that, in this digital age, we are taking more pictures of our children than ever before. More people are seeing them too: thanks to social networking. As great as this is, i..

Tagged: Skwibble share photos with family equity crowdfunding equity crowdfunding alternative finance raising funds


How to be risk aware and make an informed decision about investing in UK equity crowdfunding

3 years ago


You are aware of the scenario: before you are two doors; one leads to certain death and one to riches. Before you stand two guides; one can only answer your questions honestly, the other will always..

Tagged: equity crowdfunding equity crowdfunding be risk aware make informed decisions alternative finance investment peer to peer lending p2p lending


Six common mistakes made by businesses when they equity crowdfund and how to avoid them

3 years ago


Sacha Bright is the founder and CEO of businessagent.com, he is also an entrepreneur who has been establishing and running different businesses since his early twenties. Sacha set up businessagent.c..

Tagged: Equity crowdfunding equity crowdfunding alternative finance common mistakes business agent Sacha Bright entrepreneur


Great news for small businesses: new NatWest “3 minute loan”

3 years ago


This week NatWest announced that it will be launching a new online lending platform. The “3 minute business loan” will allow small businesses to borrow up to £35,000 in a process t..

Tagged: business loan Natwest 3 minute business loan small businesses peer-to-peer marketplace p2p marketplace p2p loans p2p lending banks bank loan


London Diamond and Emerald Exchange crowdfunding campaign

3 years ago


All businesses have one thing in common, they all require investment to succeed.  In the past, that often involved a formal meeting with a bank manager to discuss a business loan and overdraft ..

Tagged: Diamond and Emerald equity crowdfunding crowdfunding finance raising capital


Why all the IFISA fuss?

3 years ago


Why all the IFISA fuss?   The Innovative Finance ISA - or IFISA – is gaining attention at the moment for a number of reasons, but here are 4 of them; It is new The Financial Conduct A..

Tagged: IFISA Innovative finance What is the fuss What is an IFISA how can I benefit P2P peer-to-peer


What is peer-to-peer lending?

3 years ago


Peer-to-peer lending – also known as P2P lending, debt crowdfunding and marketplace lending – is an alternative financing model whereby people borrow from other people, rather than going..

Tagged: business loans business sme business funding loans peer to peer peer to peer loans peer-to-peer loans peer to peer lending peer-to-peer lending equity crowdfunding


What alternative business finance is best when you are refused a business loan or credit by your bank?

3 years ago


The financial crisis of the late 2000s made a marked difference to banks’ willingness to lend; business overdrafts became harder to come by and business loan applications met more often with a..

Tagged: business business loans sme finance merchant cash advance invoice finance business growth equity crowdfunding debt debt crowdfunding crowdfunding assets lending business loans


7 small print business loan terms you need to look out for

3 years ago


How closely do you read the small print in the contracts you sign? People have been skim-reading terms and conditions for decades, often ignoring or failing to understand important information, and ..

Tagged: business loans small print loans smes small businesses business equity crowdfunding crowdfunding debt start ups


What is debt crowdfunding and how does it work?

3 years ago


What is debt crowdfunding? Debt crowdfunding, sometimes known as peer-to-peer lending or loan-based lending, is an alternative way for businesses to borrow money. In essence, it’s the same pr..

Tagged: business business loans debt crowdfunding debt crowd-funding crowdfunding equity equity crowdfunding business loans finance business finance start ups sme business growth


6 things to check closely before applying for a crowdfunding loan

3 years ago


There is an alternative to traditional lending from a Bank, debt crowd-funding and peer-to-peer lending. There are risks for the companies doing the borrowing, just as there are for the lenders. Her..

Tagged: loans finance crowdfunding equity debt secured loans banks start ups smes business funding credit check


Ten useful numbers businesses and investors should know about alternative finance in the UK

3 years ago


Ten useful numbers businesses and investors should know about alternative finance in the UK   6% is the percentage of all seed and venture stage equity investment provided by equity crowdfund..

Tagged: finance alternative finance peer to peer p2p peer-to-peer investors investment crowdfunding equity crowdfunding peer to peer lending p2p lending


Newly published government consumer savings infographic fails to include Innovative Finance ISA

3 years ago


The government has just published its ‘Ways to Save in 2017’ infographic. Despite being designed to inform consumers about ISA’s and other savings options, there is no mention of t..

Tagged: BondMason IF ISA finance financial services P2P lending peer-to-peer innovative finance


Will USA trump regulation for impact on UK Alternative finance market? Asks our CEO Sacha Bright

3 years ago


 Will USA trump regulation for impact on UK Alternative finance market? Asks our CEO Sacha Bright   It is a little early to say quite how Trump’s Presidency will impact Alternative..

Tagged: business agent donald trump alternative finance peer to peer p2p america economics peer-to-peer business loans borrowing altfi fintech


Businessagent.com is Crowdfunding!

3 years ago


  Businessagent.com is excited to announce that we are now crowdfunding! Businessagent.com aggregates equity and debt crowdfunding investments. This makes it easy for investors and lenders to ..

Tagged: businessagent.com equity crowdfunding investing venture angel investing aim shares


Why Invoice Finance Might Be Right for Your Business

4 years ago


Financing your business comes in many different forms and can vary from what you assume to be available. The standard business loan is of course the traditional form of finance, however not every bu..

Tagged: finance alternative finance invoice finance MarketInvoice raising finance business finance business loans


Equity Crowdfunding for Your Business

4 years ago


 Raising finance for your business can be a stressful process and it’s not as easy as what it once was. With banks’ lending to businesses less, it can be a struggle to reach the gro..

Tagged: equity crowdfunding crowdfunding raising finance business finance business loans sme sme's entrepreneurs equity valuations business plan brewdog mondo bank


CMA Puts Pressure on High Street Banks to Step Up

4 years ago


The Competition and Markets Authority (CMA) have spent the last 2 years inquiring into the technological state of high street banks and the ease of switching between accounts. The CMA have announced..

Tagged: banks cma interest rates mobile apps high street banks banking current accounts overdrafts technology fintech api loans borrowing alternative finance peer to peer bank of england


Banks Begin to Cut Interest Rates

4 years ago


The MPC (Monetary Policy Committee) recently voted to cut interest rates down to a low of 0.25%, the lowest we have seen in 7 years. This is part of the measures that Mark Carney is planning to put ..

Tagged: rbs natwest lloyds baking group mpc banks economy brexit lending loans borrowing saving interest rates alternative finance peer to peer lending p2p mortgage rates


How Social Is Your Business?

4 years ago


  We have seen the way businesses promote themselves change drastically over the last 10 years. With the growth of online and digital, new trends are always coming into play and it can be a to..

Tagged: social media business sme marketing advertising twitter facebook instagram snapchat google+ linkedin equity crowdfunding raising finance social online digital


P2PFA Q2 Data Shows Growth Slows for Peer to Peer Lending

4 years ago


The UK Peer to Peer Finance Association have just release the data for Q2 of 2016 to show that lending currently stands at £5.8bn with around £658 Million lent in Q2. This shows a dip fr..

Tagged: p2pfa ifisa innovative finance isa isa peer to peer p2p peer to peer lending p2p lending zopa funding circle alternative finance business loans loans


Bank of England to Lower Capital Buffers & Interest Rates Following Brexit

4 years ago


  Mike Carney, the Bank of England’s Governor has stated that interest rates will be cut this summer to battle a Brexit slowdown.  Ten year government bond yields have dropped as we..

Tagged: brexit bank of england BoE interest rates alternative finance mike carney lending alternative finance peer to peer equity crowdfunding eu referendum sme small businesses


Become an Angel Investor Lunchtime Masterclass

4 years ago


Business Agent, Bond Dickinson and Angels Den are collaborating to bring you an exciting new event and would like to invite you to attend our ‘Become an Angel’ lunchtime masterclass. ..

Tagged: angel investor investing investor angel business equity peer to peer events angels den businessagent.com bond dickinson investments


What Effect Could “Brexit” Have on Investors & UK Growing Businesses?

4 years ago


“Brexit” is one of the biggest decisions that we are facing to date. The UK public have been given a huge choice in whether or not we stay in the EU, or decide to leave.  Many peopl..

Tagged: brexit eu uk hscbc simon wells ftse 100 economics investors invetsing sme's business growth isa ifisa's dollars pound exchange rate


Business Finance: Beyond the Business Loan

4 years ago


Business Finance: Beyond the Business Loan   For many, the traditional business loan is the most logical option when looking for finance. However, sometimes it just doesn’t work out how..

Tagged: business loans peer to peer equity crowdfunding loans invoice finance asset finance cash advance cash flow growing business SME marketinvoice LDF Boost Liberis Ultimate finance


UK Treasury Committee Express Concerns over Peer to Peer Lending

4 years ago


Recently the chairman of the UK Parliament Treasury Committee wrote to the head of the FCA and Andrew Bailey, Deputy Governor of the Bank of England for Prudential Regulation, expressing concerns ov..

Tagged: UK treasury government peer to peer p2p peer-to-peer loans p2p loans investing equity crowdfunding alternative finance fintech risk FCA Andrew Bailey Andrew Tyrie


CMA’s Output on Retail & SME Banking

4 years ago


The latest report from the CMA (competition & Market Authority) runs over the competition in retail banking, as well as provisions for SME’s. The 405 pages run over the problems being caus..

Tagged: CMA Retail Banking SME Entreprenuer Start-ups equity crowdfunding equity crowdfunding p2p peer-to-peer alternative finance government current accounts personal banking hsbc lloyds tsb nationwide


Hey Mr Cameron, How About Investing Into UK Companies?

4 years ago


I’m sure you are all aware of Mr Cameron’s recent tax affairs which are all over the news as it has been very hard to avoid. I wanted to give some different views on the situation and al..

Tagged: David Cameron Prime Minister Investment SEIS EIS Tax affairs Blairmore Holdings


Innovative Finance ISA’s: What’s The Deal?

4 years ago


    Innovative Finance ISA’s: What’s The Deal?   If you are like us, you have been anticipating the launch of alternative P2P ISA’s (innovative finance ISA). The..

Tagged: isa p2p lending savings innovative finance banks ratesetter abundance zopa funding circle business agent government budget personal savings investing investment


How does the budget affect alternative finance? Business Agent looks at the 'lifetime ISA', CGT and the increase in stamp duty surcharge.

4 years ago


One thing that really sparked our interest was the new ‘Lifetime ISA’. Individuals under 40 can now save up to £4000 a year into the new ISA until they reach 50. For every £4..

Tagged: ISA CGT Budget alternative finance crowdfunding SEIS EIS


Overfunded: Blessing or Curse?

4 years ago


  Crowdfunding has played a huge role in helping businesses get the boost they need and gain the funds they need. Equity Crowdfunding is the same practice however; it involves the selling of s..

Tagged: finance p2p lending investment crowdfunding business agent equity debt bank loans loans p2p lending business personal finance sme start-ups raising finance shareholders shares investing overfunded levi roots reggae reggae


Business Agent challenges Lord Turner’s Irresponsible Scaremongering

4 years ago


Lord Turner former head of FSA stated yesterday "The losses on peer-to-peer lending which will emerge within the next five to ten years will make the worst bankers look like absolute lending genius..

Tagged: finance p2p lending bankers investment crowdfunding lord turner northoak North Oak business agent equity debt bank loans loans p2p lending turner crash economy business personal finance personal lending ratesetter sme wellesley funding circle


Crowdfunding Response to US Interest Rate Hike

4 years ago


Business Agent, the first FCA approved Crowdfunding Aggregator has responded to the first US interest rate rise in a decade by pointing UK investors to crowd funding as a way to achieve a return on ..

Tagged: interest rates crowdfunding equity US UK


Equity Crowdfunding Statistics from Altfi about companies that have secured funding

4 years ago


Congratulations to altfi.com for taking on the difficult task of collating data and forming an independant report on the status of companies that have raised finance through equity crowdfunding! &n..

Tagged: equity crowdfunding altfi.com


Valuations for a start up

5 years ago


How do you value a start up? This is the golden question and one I get asked on every investor's pitch.   The common answers are: we have compared our valuations to similar businesses at this..

Tagged: valuation start-ups crowdfunding exit equity equity crowdfunding entrepreneur investor


How to equity crowdfund

5 years ago


How to Equity Crowdfund.   So what is equity crowdfunding? It’s a way of raising funds by selling shares in much the same way the London Stock exchange works or AIM. Thousands of people..

Tagged: equity crowdfunding shares AIM london stock exchange raise finance get funding


Invoice Discounting

5 years ago


Invoice trading has become established as a modern method for businesses to improve cash flow and boost working capital. This type of finance appears to have proved particularly suited to smaller co..

Tagged: invoice trading discounting market invoice


Property investment in the peer-to-peer and crowdfunding market

5 years ago


A recent White Paper from research company Datamonitor, The Global Wealth Market in 2015, has found that alternative asset classes are becoming increasingly important as part of high net worth inves..

Tagged: property investment crowdfunding propertycrowd relendex landbay proplend lendinvest assetzcapital crowdestates folk2folk propertypartner housecrowd elevate capitalstackers


The Crowd to finance crowd-powered technology - Pavegen

5 years ago


Every so often something comes along to remind us precisely why crowdfunding is such a brilliant concept. The latest case to point is Pavegen, a technology that uses the power of human footsteps to ..

Tagged: crowdfunding pavegen renewable energy funding investment crowdcube


Due Diligence For Start-ups

5 years ago


FINANCIALSRISKOPERATIONSMANAGEMENTSALES Like a business plan dissected, the due diligence process – whether for an investment through equity crowdfunding or the old-fashioned way – is a..

Tagged: equity crowdfunding investment due-diligence start-ups SME's EIS SEIS


How to Crowdfund - Business Agent launches it's Discovery Day

5 years ago


Crowdfunding aggregator BusinessAgent is bringing together a group of senior industry experts to share their experience of forming, financing and growing businesses with aspiring entrepreneurs at On..

Tagged: discovery business training start-up raising finance crowdfunding crowdlending P2P business course equity crowdfund Stephen Hazell-Smith


SMALL BUSINESS ACT BECOMING LAW IS ONLY ONE STEP IN A STILL VERY LONG JOURNEY FOR SME's SEEKING ACCESS TO FINANCE

5 years ago


Measures designed to pave the way for businesses to get improved access to finance have become law following Royal Assent for the Small Business, Enterprise and Employment Act being given ..

Tagged: equity crowdfunding small business act loans alternative finance


Acumen or Altruism? Equity Crowdfunding for Good Causes

5 years ago


Amid all the controversy about equity crowdfunding, its pros and cons and risks and rewards it would be understandable if one got the impression that the concept is purely about finance – and ..

Tagged: crowdfunding equity investment pharmaceutical life sciences


EQUITY CROWDFUNDING AS WORD OF MOUTH MARKETING

5 years ago


Link to article cited: http://www.ft.com/cms/s/0/c3d01f9a-b75a-11e4-8807-00144feab7de.html#axzz3SZTQDCf2  By Sacha Bright, CEO www.businessagent.com  Judith Evans’ recent FT articl..

Tagged: equity crowdfunding marketing poundland


Crowdfunding EIS and SEIS investments - In praise of diversity across sectors and geography

5 years ago


How to build an enterprise investment scheme and portfolio using equity crowdfunding Having recently discussed some of the advantages of the Seed Enterprise Investment Scheme, I was interested to ..

Tagged: SEIS EIS equity crowdfunding investments


A Philosophy of Caution that Keeps the Fun in Equity Crowdfunding

5 years ago


  ‘If you’ve got £10,000, don’t invest in one start-up… …Put £100 into 100 start-ups!’A Philosophy of Caution that Keeps the Fun in Equity Cro..

Tagged: equity crowdfunding Seedrs Jeff Lynn UKCFA UK Crowdfunding Association Businessagent


The Seed Enterprise Investment Scheme – Could More Investors be Reaping the Rewards?

5 years ago


As founder and CEO of the UK’s first debt and equity crowd funding aggregator, Sacha Bright spends a lot of time talking to investors and start-up companies about the relative risks and reward..

Tagged: seis capital gains tax investment crowdfunding finance equity


Should Sophisticated Investors Remain the Target Demographic for Equity Crowdfunding? - Nate Nead, MD of Crowdfundraiser

5 years ago


Referring to any investor, whether large or small, as “unsophisticated” is likely to be taken as insulting or demeaning. Small investors often play a pivotal role in financing some very ..

Tagged: Nate nead investortype crowdfunding finance equity sophisticated investor


Peter Harrison, Managing Director of FGH Security and Dragons Den contestant, talks about his experience

6 years ago


I set up my own security company in 2003 whilst still studying at university. Crowd funding was not available back then; I relied on my student loan, my overdraft and some very clever use of our cas..

Tagged: Peter Harrison Crowdfunding Dragons Den Business Agent


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