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Alternative Finance blog

Five Things To Remember Before Equity Crowdfunding

Five Things To Remember Before Equity Crowdfunding

Posted 1 days 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 days 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 days 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


Looking To Start A Business? Here's How

Looking To Start A Business? Here's How

Posted 1 days ago


Taking an idea for a business and turning it into reality can be a daunting experience. But as Albert Einstein once said: “Everyone is a genius. But if you judge a fish by its ability to climb..

Tagged: Equity Crowdfunding Business Start-ups Finance SMEs


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 2 days 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


What To Do If You've Been Refused A CBILS Loan

What To Do If You've Been Refused A CBILS Loan

Posted 2 days ago


To combat the economic effects of the Covid-19 pandemic, the government unveiled an unprecedented support package to help businesses survive these difficult times. The headline component was the Cor..

Tagged: Coronavirus CBILS Loans Business Finance


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

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

Posted 5 days 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


Seed-Stage Funding For Start-ups Drops By 80%

Seed-Stage Funding For Start-ups Drops By 80%

Posted 10 days ago


Early-stage businesses raising money for the first time have taken the hardest hit in the drop in venture capital funding, it has been revealed. According to new research by Plexal and Beauhurst, fu..

Tagged: Start-ups Raise Finance Entrepreneurs Investment


Do Business Incubators Actually Help Businesses?

Do Business Incubators Actually Help Businesses?

Posted 16 days ago


Incubators are attractive for first-time founders because you can learn from experienced executives, test your business model and gain industry credibility from the program's prestige. Most program..

Tagged: Investment Start-ups Entrepreneurs Incubators Raise Finance


How Much Money Should I Raise For My Start-up?

How Much Money Should I Raise For My Start-up?

Posted 16 days ago


It’s perhaps one of the most asked questions by any entrepreneur. It’s also one of the most challenging. Raising money takes time and doesn’t necessarily have a guaranteed outcome...

Tagged: Investment Entrepreneurs Start-ups Raise Finance


What Government Schemes Are Currently Open To P2P Lenders?

What Government Schemes Are Currently Open To P2P Lenders?

Posted 19 days 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 22 days 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


Equity Crowdfunding Social Impact Rating By NextFin

Equity Crowdfunding Social Impact Rating By NextFin

Posted 7 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 7 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


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


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


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


When is a working capital loan right for my business?

Posted 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


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


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


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 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


For capital fund raising success consider combining your options

Posted 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


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 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


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

Posted 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


London Diamond and Emerald Exchange crowdfunding campaign

Posted 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?

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

Posted 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


What is debt crowdfunding and how does it work?

What is debt crowdfunding and how does it work?

Posted 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

Posted 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

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


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

Posted 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

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


How Social Is Your Business?

Posted 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

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


Business Finance: Beyond the Business Loan

Posted 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

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


CMA’s Output on Retail & SME Banking

Posted 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


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

Posted 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.

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


Overfunded: Blessing or Curse?

Posted 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

Posted 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


How to equity crowdfund

Posted 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


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

Posted 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

Posted 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


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

Posted 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


  • Internet Business Awards Category Award Winner 2015
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