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Alternative Finance blog

47% of Entrepreneurs Have Been Asked For Personal Guarantee On Loans

47% of Entrepreneurs Have Been Asked For Personal Guarantee On Loans

Posted 23h ago


Lenders are increasingly asking SMEs for personal guarantees to secure business finance a survey has revealed.  The survey of commercial finance brokers undertaken by Purbeck, the UK’s o..

Tagged: sme entrepreneur lender alternative finance


SMEs Fear Inability to Access Loans Once Furlough Scheme Ends

SMEs Fear Inability to Access Loans Once Furlough Scheme Ends

Posted 23h ago


A number of small and medium-sized enterprises (SMEs) have expressed concern that they will be unable to access government loans once the furlough scheme ends in October.  In new analysis publ..

Tagged: sme entrepreneur alternative finance


How To Make Informed Decisions When Equity Crowdfunding

How To Make Informed Decisions When Equity Crowdfunding

Posted 2 days ago


In this guide, CEO of NextFin, Sacha Bright gives hit tops tips on how to make informed decisions when equity crowdfunding, and how to remain risk aware.  Equity crowdfunding, as with any othe..

Tagged: sme alternative finance equity crowdfunding


How to Manage Your Business' Finance During the Pandemic

How to Manage Your Business' Finance During the Pandemic

Posted 3 days ago


The government may have eased lockdown, but the pandemic has most certainly not gone away. Still, businesses continue to worry about their ability to survive the economic impacts of Covid-19 and are..

Tagged: sme coronavirus finance entrepreneur alternative finance


European Commission to Further Support Startups and Incentivise Private Investments

European Commission to Further Support Startups and Incentivise Private Investments

Posted 3 days ago


The European Commission has announced the adoption of a third amendment to its Temporary Framework to further support startups as they struggle during the coronavirus outbreak.  The news comes..

Tagged: coronavirus SMEs alternative finance news equity


Two More P2P Lending Platforms Approved For CBILS

Two More P2P Lending Platforms Approved For CBILS

Posted 7 days ago


The British Business Bank has approved peer-to-peer lending platforms LendingCrowd and Folk2Folk for the coronavirus business interruption loan scheme (CBILS). The scheme enables lenders accredited..

Tagged: p2p alternative finance coronavirus news equity crowdfunding


Need Recognition? Here Is A List of Competitions And Awards

Need Recognition? Here Is A List of Competitions And Awards

Posted 7 days ago


Business Awards List There’s no better way to increase your profile than picking up awards for your hard work. In the UK, there are a range of competitions and awards open to a whole host of ..

Tagged: entrepreneur business sme alternative finance equity


Coronavirus Loan Applications Exceed One Million

Coronavirus Loan Applications Exceed One Million

Posted 7 days ago


More than one million businesses have applied for a Government-backed loan to help navigate the economic impacts of the pandemic. Meanwhile UK businesses have furloughed nearly nine million jobs, u..

Tagged: sme coronavirus news equity crowdfunding alternative finance


How The Patent Box Can Reduce Your Corporation Tax

How The Patent Box Can Reduce Your Corporation Tax

Posted 7 days ago


What is the Patent Box? Introduced in 2013, the Patent Box is a generous tax incentive designed to encourage innovation in the UK. The scheme is also referred to as the intellectual property box re..

Tagged: sme entrepreneur guide alternative finance


Only 45% of Eligible Businesses Able to Apply for Bounce Back Loans

Only 45% of Eligible Businesses Able to Apply for Bounce Back Loans

Posted 7 days ago


New research has found that only 45% of businesses eligible under the scheme have been able to successfully apply for a Bounce Back Loan. According to risk assessment experts protecting.co.uk, the l..

Tagged: sme coronavirus news alternative finance


Protecting Your Business With Trade Credit Insurance

Protecting Your Business With Trade Credit Insurance

Posted 7 days ago


Late payments are something that befall most businesses, but what happens if you’re due payment from a company who has already received your goods and does not pay? This is where trade credit ..

Tagged: entrepreneur sme alternative finance


Why Most Small Businesses End Up Failing (And What You Can Do)

Why Most Small Businesses End Up Failing (And What You Can Do)

Posted 12 days ago


There are a number of reasons why a business might fail - every situation is unique. But with 20% of businesses not making it past their first year, and 60% going bust within the first three years a..

Tagged: entrepreneur business sme alternative finance equity crowdfunding


What Do I Need To Launch My Equity Crowdfunding Campaign?

What Do I Need To Launch My Equity Crowdfunding Campaign?

Posted 14 days ago


So you’ve decided that you are going to take the plunge and use equity crowdfunding to fund your business venture. In previous guides, we’ve explored what mistakes to watch out for, top ..

Tagged: equity crowdfunding alternative finance sme entrepreneur business


Covid-19: Which Peer-to-Peer Platforms Are Reopening?

Covid-19: Which Peer-to-Peer Platforms Are Reopening?

Posted 14 days ago


Previously, NextFin had reported how a number of peer-to-peer lenders had introduced forbearance measures to help mitigate the financial impacts of coronavirus. From suspending secondary markets, to..

Tagged: p2p sme alternative finance coronavirus


Investors' Relief: What You Should Know

Investors' Relief: What You Should Know

Posted 18 days ago


Investors' relief (IR) is broadly regarded as an extension of entrepreneurs' relief and allows investors to benefit from reductions in tax. Introduced under the 2016 Finance Act, the relief was brou..

Tagged: investor sme alternative finance equity crowdfunding


After Coronavirus It's time to embrace equity investment

After Coronavirus It's time to embrace equity investment

Posted 21 days ago


Before the outbreak of coronavirus, we were beginning to see the rise of alternative finance sources, with emphasis being taken away from traditional banking. By and large, this was driven by altern..

Tagged: coronavirus eis equity investment alternative finance


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 24 days 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


Top Ten Equity Crowdfunding Tips

Top Ten Equity Crowdfunding Tips

Posted 24 days ago


As founder and CEO of the UK’s first debt and equity crowdfunding aggregator, Sacha Bright knows a thing or two about the ups and downs and ins and outs of crowdfunding. So we asked him to giv..

Tagged: equity crowdfunding alternative finance entrepreneur business sme


Common Equity Crowdfunding Mistakes and How To Avoid Them

Common Equity Crowdfunding Mistakes and How To Avoid Them

Posted 25 days ago


Remember that you are not the only business approaching the platform You believe in your business, you know that the market is right and the service or product is perfectly positioned to do well. Y..

Tagged: Equity Crowdfunding Alternative Finance Entrepreneur SME Investor


Funding Your Business Without A Bank

Funding Your Business Without A Bank

Posted 25 days 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


True Royalty TV Praises NextFin On Its Ratings Service

True Royalty TV Praises NextFin On Its Ratings Service

Posted 1 months ago


Nextfin recently provided True Royalty Television with a Gold Rating of 83%. It serves the global millions of Royal superfans, with 20,000 paying subscribers already on its platform. With 350+ hour..

Tagged: Rating equity crowdfunding alternative finance business entrepreneur


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 1 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 1 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


Here's What You Need To Know About Due Diligence

Here's What You Need To Know About Due Diligence

Posted 1 months ago


Like dissecting a business plan, the process of due diligence - whether it be for an investment through equity crowdfunding, or more traditional methods - is about evaluating the level of risk. As a..

Tagged: sme business risk startup finance equity crowdfunding alternative finance


Five Ways To Make Your Business More Social

Five Ways To Make Your Business More Social

Posted 1 months ago


As an entrepreneur, having a strong social media presence is a vital part to the performance and success of your business. Businesses no longer rely on word of mouth, instead they rely on the word o..

Tagged: social media business sme funding equity crowdfunding alternative finance


Five Things To Remember Before Equity Crowdfunding

Five Things To Remember Before Equity Crowdfunding

Posted 1 months ago


1. The process can take 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 yo..

Tagged: Equity Crowdfunding Alternative Finance Business Startup SMEs Business Entrepreneur


Equity Crowdfunding? Here's A Short Guide To What You Need

Equity Crowdfunding? Here's A Short Guide To What You Need

Posted 1 months ago


Equity crowdfunding for businesses has burst onto the scene in recent years and has helped to fund successful enterprises such as Brewdog and Oculus. It can be an elongated process and will require ..

Tagged: Business Equity Crowdfunding Alternative Finance SME Funding Capital


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 1 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


How Do I Improve My Cash Flow? Invoice Discounting May Be The Answer

How Do I Improve My Cash Flow? Invoice Discounting May Be The Answer

Posted 1 months ago


Invoice trading has become an established method for businesses to improve their cash flow and boost working capital. This type of finance appears to be particularly popular with smaller companies w..

Tagged: Invoice Finance Business Funding Alternative Finance


Equity Crowdfunding Social Impact Rating By NextFin

Equity Crowdfunding Social Impact Rating By NextFin

Posted 8 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


MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

Posted 8 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 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 can happen if you default on a business loan?

What can happen if you default on a business loan?

Posted 3 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


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


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

Posted 3 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


Equity Crowdfunding or Venture Capital?

Equity Crowdfunding or Venture Capital?

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

Posted 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!

Posted 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

Posted 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


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

Posted 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


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


Why Invoice Finance Might Be Right for Your Business

Posted 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


CMA Puts Pressure on High Street Banks to Step Up

Posted 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

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


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

Posted 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


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


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

Posted 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


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