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Alternative Finance blog

Should I Invest in P2P?

Should I Invest in P2P?

Posted 2 months ago


The Covid-19 crisis has presented a challenge for the sector, but there are still many reasons to invest in peer-to-peer lending. P2P is fighting its way through its first economic downturn and ther..

Tagged: sme entrepreneur p2p alternative finance news coronavirus


How To Start A Business Post-Covid-19

How To Start A Business Post-Covid-19

Posted 2 months ago


As part of its mission to help entrepreneurs get the funding they deserve, CEO of Nextfin, Sacha Bright, hosted a special webinar discussing how to start a business post-Covid, with particular focus..

Tagged: sme raising funds equity crowdfunding alternative finance entrepreneur p2p angel investor


What Rates Are Alternative Lenders Offering for CBILS?

What Rates Are Alternative Lenders Offering for CBILS?

Posted 3 months ago


So far over 100 firms have been accredited to provide the Coronavirus Business Interruption Loan to businesses struggling to mitigate the economic impact of Covid-19.  Among the alternative le..

Tagged: sme p2p equity crowdfunding alternative finance cbils news


Does Alternative Finance Provide A Solution to Protecting SMEs After the Pandemic?

Does Alternative Finance Provide A Solution to Protecting SMEs After the Pandemic?

Posted 3 months ago


In previous articles, we have argued that with the coronavirus pandemic changing the nature of the business landscape, so must ways business access capital; namely through embracing equity investmen..

Tagged: sme alternative finance equity crowdfunding p2p lending coronavirus


Is Alternative Finance The Way Forward?

Is Alternative Finance The Way Forward?

Posted 4 months ago


Before the outbreak of coronavirus, alternative finance had become the rising star on the world’s stage. But now, with a number of government support schemes failing to ensure that all small a..

Tagged: alternative finance sme crowdfunding p2p


More Lenders Approved For Coronavirus Loan Schemes, But Not One Is P2P

More Lenders Approved For Coronavirus Loan Schemes, But Not One Is P2P

Posted 4 months ago


The British Business Bank has accredited several lenders for government-backed emergency loan schemes aimed at supporting businesses through Covid-19 but not one is a peer-to-peer lending platform. ..

Tagged: news coronavirus cbils bbls P2P alternative finance


Funding Your Business Without A Bank

Funding Your Business Without A Bank

Posted 4 months ago


More and more entrepreneurs are getting turned down for business loans as they struggle to prove their viability. If you’re a business owner struggling to access capital via the traditional me..

Tagged: Banking Alternative Finance P2P Equity Crowdfunding SME Entrepreneur Business


Tightening of EIS Rules Takes £200m off Amounts Raised In 2018-2019

Tightening of EIS Rules Takes £200m off Amounts Raised In 2018-2019

Posted 4 months ago


According to figures released by HM Revenue & Customs, £1.8bn was invested into 3,905 companies, down from £2bn the previous year.  Investment via the Seed Investment Enterpris..

Tagged: business eis equity crowdfunding alternative finance P2P


Global Fintech Lending Expected To Be Worth £230bn At The End Of 2020

Global Fintech Lending Expected To Be Worth £230bn At The End Of 2020

Posted 4 months ago


According to new research by Norwegian financial services company AksjeBloggen, the global fintech lending industry will be worth a global $291.4bn (£230bn) by the end of 2020, with peer-to-pe..

Tagged: fintech p2p business alternative finance equity crowdfunding


Getting A Business Loan? Here Are The Terms You Should Look Out For

Getting A Business Loan? Here Are The Terms You Should Look Out For

Posted 5 months ago


Let’s face it, how closely do you read the small print in all the contracts you sign? All of us, at one time or another have skim-read the seemingly immeasurable pages of terms and conditions ..

Tagged: Business Loan P2P SME Finance Alternative Finance


Refused A Business Loan? Here's What’s Available

Refused A Business Loan? Here's What’s Available

Posted 5 months ago


Ever since the financial crisis of 2008, banks have become much more risk-averse, which has reduced their willingness to lend. Being refused a loan can be incredibly frustrating for small business o..

Tagged: Debt crowdfunding Lending P2P Invoice Finance


Is An Innovative Finance Isa (IFISA) For You?

Is An Innovative Finance Isa (IFISA) For You?

Posted 5 months ago


Innovative Finance Individual Savings Allowances (IFISAs) are still a relatively new initiative. Launched by the government less than 5 years ago in April 2016, an IFISA allows you to make peer-to-p..

Tagged: IFISA Investment P2P


What Is The Term Funding Scheme, And Why Is It So Important To Extend It To P2P Lenders?

What Is The Term Funding Scheme, And Why Is It So Important To Extend It To P2P Lenders?

Posted 5 months ago


While much attention has been paid to the debate surrounding the Coronavirus Business Interruption Loan Scheme, very little focus has been paid to other lending support options. One of these is the ..

Tagged: News P2P Lending Bank of England


What Government Schemes Are Currently Open To P2P Lenders?

What Government Schemes Are Currently Open To P2P Lenders?

Posted 5 months ago


It's been almost three months since the Chancellor unveiled the Coronavirus Business Interruption Loan Scheme (CBILS) - the first of a range of schemes designed to support small businesses strugglin..

Tagged: News CBILS Covid-19 Funding Circle Assetz Capital Market Finance P2P


P2P Platform Market Finance Is Approved For CBILS

P2P Platform Market Finance Is Approved For CBILS

Posted 5 months ago


MarketFinance has become the latest alternative lender to be approved under the Coronavirus Business Interruption Loan Scheme (CBILS). The CBILS is designed to support businesses that are losing re..

Tagged: News P2P Market Finance CBILS Covid-19


What Opportunities Are Available To P2P Investors During The Pandemic?

What Opportunities Are Available To P2P Investors During The Pandemic?

Posted 5 months ago


Throughout the coronavirus pandemic, there have been reports of peer-to-peer (P2P) lenders instituting a number of measures to counteract the current economic situation. In previous articles, we hav..

Tagged: Covid-19 P2P Investors Assetz Capital Zopa Funding Circle Ratesetter


CBILS approvals by banks remain below 50%

CBILS approvals by banks remain below 50%

Posted 6 months ago


Banks continue to approve fewer than half of applications for the Coronavirus Business Interruption Loan Scheme (CBILS), as total lending reached more than £4.1bn under the scheme this week. ..

Tagged: News CBILS Covid-19 Funding Circle Assetz Capital Folk2Folk P2P


NextFin Has Updated Its Website - Here's What's New

NextFin Has Updated Its Website - Here's What's New

Posted 6 months ago


At NextFin, we’re constantly reviewing the latest equity crowdfunding data to provide entrepreneurs and investors with the best experience and to give them the best chance at securing finance ..

Tagged: CBILS Grants Equity Crowdfunding P2P Covid-19


Four More Lenders Approved Under CBILS. But Again, Not One Is A P2P Lender

Four More Lenders Approved Under CBILS. But Again, Not One Is A P2P Lender

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy The British Business Bank has approved four new lenders for accreditation under the Coronavirus Business Interruption Loan Scheme (CBILS).  The lend..

Tagged: News CBILS P2P lending Money & Co


How Offering CBILS Through IFISAs Can Help Small Businesses Impacted By Covid-19

How Offering CBILS Through IFISAs Can Help Small Businesses Impacted By Covid-19

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy Already, NextFin has suggested a number of ways the government can utilise innovative schemes to protect those businesses most at risk from the economic i..

Tagged: News IFISA CBILS Money & Co P2P Covid-19


It's Time The Government Recognised The Benefits of Allowing Fintechs To Provide CBILS

It's Time The Government Recognised The Benefits of Allowing Fintechs To Provide CBILS

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy  With less than 6,022 loans under CBILS approved last week, NextFin is one of many voices calling on the government to urgently approve fintechs to g..

Tagged: News P2P CBILS


Funding Circle Accredited By British Business Bank And Are Now Offering Coronavirus Business Interruption Loans (CBILS)

Funding Circle Accredited By British Business Bank And Are Now Offering Coronavirus Business Interruption Loans (CBILS)

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy Funding Circle can now offer CBILS after becoming the first marketplace lender (P2P) platform to be approved for accreditation by the British Business Ban..

Tagged: News P2P CBILS Funding Circle


Mobilising Private Investor’s Assets To Fund Small Businesses

Mobilising Private Investor’s Assets To Fund Small Businesses

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy Now, along with the Enterprise Investment Scheme Association (EISA), and the P2P industry, we are calling on the government to embrace new proposals to co..

Tagged: News EIS SEIS P2P


P2P Platform Lendy Granted Three-Year Extension To Administration

P2P Platform Lendy Granted Three-Year Extension To Administration

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy The peer-to-peer property lender Lendy is to remain in administration, after being granted an extension of an additional three years. In a letter seen by..

Tagged: News P2P


Funding Circle Gets Approved For Coronavirus Scheme in America - But Still No Approval In The UK

Funding Circle Gets Approved For Coronavirus Scheme in America - But Still No Approval In The UK

Posted 6 months ago


Author: Sacha Bight & Oliver Murphy The peer-to-peer lender Funding Circle has received approval for the US scheme to provide funding to small businesses impacted by the economic implications..

Tagged: News P2P Funding Circle


Calls For Greater Transparency On Performance of Coronavirus Economic Support Schemes

Calls For Greater Transparency On Performance of Coronavirus Economic Support Schemes

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy The Labour Party has called for what it calls “much greater transparency” on the implementation of and effectiveness of the government’s..

Tagged: News P2P EIS SEIS


Zopa To Stop High Risk Lending In Response to Coronavirus

Zopa To Stop High Risk Lending In Response to Coronavirus

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy The P2P lender, Zopa, has announced it will stop lending to borrowers in higher risk bands in response to the coronavirus.  In an email originally s..

Tagged: News P2P


None of the British Business Bank's Four New Approved Lenders are P2P

None of the British Business Bank's Four New Approved Lenders are P2P

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy  Some two weeks ago, NextFin reported on how Peer-to-Peer lenders, JustUs and Assetz Capital had applied to become accredited lenders of the governme..

Tagged: News P2P


How Are P2P Platforms Reacting To Coronavirus?

How Are P2P Platforms Reacting To Coronavirus?

Posted 6 months ago


Author: Sacha Bright & Oliver Murphy The Peer-to-Peer (P2P) industry faces a challenging time ahead. With a brewing economic downturn in the wake of the coronavirus pandemic, many lenders are..

Tagged: News P2P


Approved Persons Regime Replaced

Approved Persons Regime Replaced

Posted 10 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


MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

Posted 11 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


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?

Posted 3 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

Posted 3 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


Investing In An Alternative Finance Platform

Investing In An Alternative Finance Platform

Posted 3 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

Posted 3 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


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

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

Posted 3 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


Are P2P platforms about to face their toughest test yet?

Posted 3 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

Posted 3 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


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

Posted 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


RateSetters withdrawal from the P2PFA highlights the importance of data transparency

Posted 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

Posted 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


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

Posted 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

Posted 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


What do debt warnings mean for investors and small businesses?

Posted 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

Posted 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


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

Posted 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


An exciting week for Peer-to-Peer

Posted 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

Posted 4 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


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

Posted 4 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


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

Posted 4 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


Why all the IFISA fuss?

Posted 4 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


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

Posted 4 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

Posted 4 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

Posted 4 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


Banks Begin to Cut Interest Rates

Posted 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


P2PFA Q2 Data Shows Growth Slows for Peer to Peer Lending

Posted 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


UK Treasury Committee Express Concerns over Peer to Peer Lending

Posted 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


Overfunded: Blessing or Curse?

Posted 5 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


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