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Alternative Finance blog

What is Business Interruption Insurance?

What is Business Interruption Insurance?

Posted 2 months ago


With the coronavirus outbreak having inflicted significant economic damage on businesses throughout the UK, many have resorted to utilising the raft of government support schemes that were introduce..

Tagged: sme entrepreneur business alternative finance coronavirus guide


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


Self-Employed to Benefit From Second Stage of Support Scheme

Self-Employed to Benefit From Second Stage of Support Scheme

Posted 2 months ago


Over 2.7 million benefited from the first stage of the SEISS - with the government handing out £7.8 billion of grants to help them through the crisis. Those eligible will now be able to recei..

Tagged: sme entrepreneur self employed coronavirus news alternative finance


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


Business Banking Resolution Service To Open In November

Business Banking Resolution Service To Open In November

Posted 2 months ago


The Business Banking Resolution Service (BBRS) will now start to resolve disputes between businesses and participating banks from the middle of November, it has been announced. Designed to settle a..

Tagged: sme entrepreneur news business alternative finance banking


Over 1.2m Businesses Have Benefited From Coronavirus Lending Schemes

Over 1.2m Businesses Have Benefited From Coronavirus Lending Schemes

Posted 2 months ago


More than 1.2m businesses have now received support through government-backed coronavirus lending schemes. The latest Treasury data, as of 9 August, shows most lending has come through the bounce b..

Tagged: sme entrepreneur news alternative finance coronavirus


What is The Start Up Loan Scheme?

What is The Start Up Loan Scheme?

Posted 2 months ago


Designed as a way to help start-ups that have begun trading, Start Up Loans are a form of personal created to support new business owners that have struggled to secure finance from traditional lende..

Tagged: sme coronavirus news raising funds alternative finance


Figures Show 730,000 Job Losses Since Start of Lockdown

Figures Show 730,000 Job Losses Since Start of Lockdown

Posted 2 months ago


As the UK government continues to ease lockdown, it has been revealed that just under 730,000 jobs have been lost since the start of the Covid-19 pandemic.  The news comes as the UK prepares i..

Tagged: sme coronavirus news raising funds employment alternative finance


Government Backs Trade Credit Insurance With £10bn Guarantee

Government Backs Trade Credit Insurance With £10bn Guarantee

Posted 2 months ago


The government has announced that Trade Credit Insurance, which provides cover to business-to-business transactions, will receive up to £10bn of government guarantees in a further bid to tackl..

Tagged: sme coronavirus alternative finance entrepreneur news raising funds


Fifth of Business Owners Take Pay Cut Due to Covid, Research Suggests

Fifth of Business Owners Take Pay Cut Due to Covid, Research Suggests

Posted 2 months ago


New research has revealed that just under a fifth of small business owners declared that they had taken a pay cut during the coronavirus pandemic. According to Purbeck Insurance Services, 14% of SM..

Tagged: sme entrepreneur alternative finance coronavirus news


Businesses Have Just One Month to Claim £1.6bn in Unspent Grants

Businesses Have Just One Month to Claim £1.6bn in Unspent Grants

Posted 3 months ago


It has been revealed that businesses have until the end of August to claim up to £1.6bn in unspent grants that were originally made available through the government’s coronavirus emergen..

Tagged: sme raising funds coronavirus news alternative finance


Only 43% of Businesses Plan to Claim Furlough Bonus

Only 43% of Businesses Plan to Claim Furlough Bonus

Posted 3 months ago


According to figures released today, almost half of businesses do not intend to claim the £1,000 furlough bonus made available by Chancellor Rishi Sunak.  In its latest Coronavirus Busin..

Tagged: sme furlough entrepreneur business finance alternative finance news


The Small Business Leadership Programme: Giving Businesses the Tools to Overcome Covid-19

The Small Business Leadership Programme: Giving Businesses the Tools to Overcome Covid-19

Posted 3 months ago


With the coronavirus crisis forcing businesses to adopt new ways of operating, the Government has announced the launch of £20m to help improve businesses’ management, productivity and pr..

Tagged: sme news coronavirus alternative finance business


CEO of Nextfin To Host Webinar on Raising Finance for Your Business

CEO of Nextfin To Host Webinar on Raising Finance for Your Business

Posted 3 months ago


As part of its ongoing support for entrepreneurs, Nextfin will be hosting a free webinar for individuals who are looking to start their own business.  Sacha Bright, CEO of Nextfin the UK's onl..

Tagged: sme entrepreneur business finance raising funds alternative finance equity crowdfunding


What is The Sustainable Innovation Fund, And How Will it Help Businesses?

What is The Sustainable Innovation Fund, And How Will it Help Businesses?

Posted 3 months ago


With a number of research and development projects at risk as a result of the coronavirus crisis, the Government has announced the introduction of the Sustainable Innovation Fund. Worth a total of &..

Tagged: sme coronavirus entrepreneur raising funds alternative finance news


Over £13bn Provided to Businesses Through CBILS

Over £13bn Provided to Businesses Through CBILS

Posted 3 months ago


Over £13bn has been provided through the Coronavirus Business Interruption Loan scheme so far, according to the latest figures from the Treasury.  Nearly 59,000 small and medium-sized bu..

Tagged: sme business raising finance entrepreneur cbils news alternative finance


More Lenders Approved For Larger Coronavirus Loan Scheme

More Lenders Approved For Larger Coronavirus Loan Scheme

Posted 3 months ago


As the UK continues to grapple with the economic impact of the coronavirus crisis, the British Business Bank has approved three more lenders to deliver the Coronavirus Large Business Interruption Lo..

Tagged: sme entrepreneur coronavirus cbils clbils news alternative finance equity crowdfunding


Can I Claim For Individuals Who Are Not Employees Through the Furlough Scheme?

Can I Claim For Individuals Who Are Not Employees Through the Furlough Scheme?

Posted 3 months ago


At Nextfin we have reported extensively on the development of the government’s Coronavirus Job Retention Scheme, and what it means for businesses. Most recently, the Chancellor announced that ..

Tagged: coronavirus raising funds entrepreneurs alternative finance advice


Fifth of Business Owners Uncertain About Re-opening After Pandemic

Fifth of Business Owners Uncertain About Re-opening After Pandemic

Posted 3 months ago


Nearly one fifth of the UK’s small and medium sized enterprises have expressed uncertainty as to whether they will be able to survive the economic impacts of the coronavirus pandemic, new rese..

Tagged: sme business coronavirus news alternative finance


What Is the Recovery Advice for Business Scheme, And How Can I Benefit?

What Is the Recovery Advice for Business Scheme, And How Can I Benefit?

Posted 3 months ago


The Recovery Advice for Business scheme, supported by the government and hosted on the Enterprise Nation website, will give small firms access to free, one-to-one advice with an expert adviser to he..

Tagged: sme coronavirus business support raising funds news alternative finance


Businesses Set To Benefit from £20m Worth of New Government Grants

Businesses Set To Benefit from £20m Worth of New Government Grants

Posted 3 months ago


Small businesses in England are set to benefit from £20 million of new funding in the government’s latest efforts to help firms recover from the impact of the coronavirus pandemic. ..

Tagged: sme coronavirus business raising funds alternative finance news


Chancellor Rishi Sunak Considering 2% Online Sales Tax

Chancellor Rishi Sunak Considering 2% Online Sales Tax

Posted 3 months ago


According to the Times, the Treasury is considering whether to introduce a 2% tax on goods that are sold online in an attempt to give High Street shops an advantage over large-scale retail. If intro..

Tagged: sme chancellor finance alternative finance news coronavirus


What is The Statutory Sick Pay Rebate Scheme, And How Do I Apply?

What is The Statutory Sick Pay Rebate Scheme, And How Do I Apply?

Posted 3 months ago


Introduced as part of the Chancellor’s Spring Budget, employers with fewer than 250 employees can now seek a refund from the government for the cost of providing 2 weeks of coronavirus-related..

Tagged: sme coronavirus sick pay entrepreneur business finance alternative finance


Time To Pay Arrangements Explained

Time To Pay Arrangements Explained

Posted 3 months ago


Brought into sharper focus since the outbreak of coronavirus, a Time To Pay arrangement is a way of spreading your business tax payments over a longer period of time to sallow for a more affordable ..

Tagged: sme entrepreneur tax alternative finance coronavirus


What Is A Members' Voluntary Liquidation?

What Is A Members' Voluntary Liquidation?

Posted 3 months ago


In short, a Members' Voluntary Liquidation (MVL) is the process that enables shareholders’ to appoint what is known as a Liquidator to formally close down a solvent company. Directors of compa..

Tagged: entrepreneur tax relief sme business alternative finance


A Guide To Entrepreneurs' Relief

A Guide To Entrepreneurs' Relief

Posted 3 months ago


For those entrepreneurs who manage to overcome the myriad challenges that face them when running their business, they may find themselves at a juncture where they are able to sell their business. It..

Tagged: entrepreneur finance sme alternative finance funding


What Does The CBILS Change Mean For You?

What Does The CBILS Change Mean For You?

Posted 3 months ago


A change in the lending rules governing the Coronavirus Business Interruption Loan Scheme could mean that small businesses previously refused a loan are now able to secure access to vital funding.&n..

Tagged: sme alternative finance raising funds equity crowdfunding cbils news coronavirus entrepreneur


What Rules Have The Government Relaxed To Help Businesses During Coronavirus?

What Rules Have The Government Relaxed To Help Businesses During Coronavirus?

Posted 3 months ago


Since the outbreak of Covid-19, the Government has made a number of changes to rules governing areas such as business rates and childcare funding. Below we list a number of amendments to a range of ..

Tagged: smes coronavirus news alternative finance


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


MPs Call for Full Loan Payment Holidays for Business Customers

MPs Call for Full Loan Payment Holidays for Business Customers

Posted 3 months ago


The All Parliamentary Group for Fair Business Banking has called for a full 6-month payment holiday on commercial loans for business customers who have been affected by the Covid-19 crisis.  S..

Tagged: sme loans coronavirus alternative finance news entrepreneur business


Span Health Discusses the Positive Impact of NextFin's Ratings Service

Span Health Discusses the Positive Impact of NextFin's Ratings Service

Posted 3 months ago


Span Health has complimented Nextfin on what it calls “a very straightforward” ratings service. Aimed at helping people avoid lifestyle-induced diseases, symptoms, medications, and compl..

Tagged: sme ratings entrepreneur equity crowdfunding raising funds alternative finance news


Bounce Back Loan Restrictions Could Force Businesses To Go Bust

Bounce Back Loan Restrictions Could Force Businesses To Go Bust

Posted 3 months ago


Campaigners and MPs have issued a stark warning that potentially tens of thousands of businesses could risk going bust due to delays when accessing the government’s Bounce Back Loan Scheme.&nb..

Tagged: sme coronavirus alternative finance news


Treasury to Look At Fintech Sector For Growth Opportunities

Treasury to Look At Fintech Sector For Growth Opportunities

Posted 3 months ago


Owing to the coronavirus pandemic, the Treasury has announced it will be launching an independent review into the fintech sector to identify growth opportunities. The review was originally mentioned..

Tagged: sme alternative finance fintech news coronavirus


What Are Small Business Grants, And How Do You Apply?

What Are Small Business Grants, And How Do You Apply?

Posted 3 months ago


Owing to the coronavirus pandemic, securing funding for your business is proving to be an even greater challenge for entrepreneurs. With a range of loan schemes available, as well as other sources o..

Tagged: sme raising funds entrepreneur coronavirus alternative finance


What Non-Government Coronavirus Support is Available for Businesses?

What Non-Government Coronavirus Support is Available for Businesses?

Posted 3 months ago


While the government has provided an unprecedented level of support for businesses through its loan schemes and other services, public bodies, organisations and charities have produced additional re..

Tagged: sme entrepreneur funding coronavirus alternative finance


‘Gively’ Comments on NextFin's Ratings Service

‘Gively’ Comments on NextFin's Ratings Service

Posted 3 months ago


Gively has complimented NextFin on what it has described as an “excellent ratings” service. An online marketplace where users can give and get second-hand items for free, the comp..

Tagged: sme equity crowdfunding ratings alternative finance


How Do I Sell Shares I Purchased In an Equity Crowdfunded Company?

How Do I Sell Shares I Purchased In an Equity Crowdfunded Company?

Posted 3 months ago


Once you’ve invested in a company and the offer is finalised and completed, you will become a shareholder in that company and will be entered onto the company’s share register.  Su..

Tagged: sme equity crowdfunding finance shares alternative finance


£6.7bn Invested in Small Businesses in 2018

£6.7bn Invested in Small Businesses in 2018

Posted 3 months ago


Small businesses received a record £6.7bn in equity funding in 2018/19, a 5% increase year on year. The average deal size was £4.5m, an 11% increase compared with 2013. Small business e..

Tagged: sme equity crowdfunding alternative finance news raising funds


Should I Overfund My Business?

Should I Overfund My Business?

Posted 3 months ago


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

Tagged: sme entrepreneur raising funds equity crowdfunding eis seis alternative finance


What is the Position of Each Lender Regarding Bounce Back Loan Applications?

What is the Position of Each Lender Regarding Bounce Back Loan Applications?

Posted 4 months ago


* The following information has been extracted from the latest data made available by the All-Parliamentary Group for Fair Business Banking. There are tens, possibly hundreds of thousands of b..

Tagged: sme coronavirus news equity crowdfunding alternative finance


What is Equity Dilution, And How Does it Work?

What is Equity Dilution, And How Does it Work?

Posted 4 months ago


Equity dilution (commonly referred to as stock dilution) takes place when a company issues new stock which can result in a decrease of an existing stockholder’s ownership percentage of said co..

Tagged: sme equity crowdfunding alternative finance raising finance guide investing


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 4 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


How to Avoid Bankruptcy With Personal Guarantee Insurance

How to Avoid Bankruptcy With Personal Guarantee Insurance

Posted 4 months ago


As Nextfin recently reported, small businesses are increasingly being asked for personal guarantees in order to secure finance for their business. According to a survey conducted by Purbeck Insuranc..

Tagged: sme alternative finance guide entrepreneur


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

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

Posted 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 months 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


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


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

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

Posted 4 months 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


What Is A Mortgage Payment Holiday, And How Do I Apply?

What Is A Mortgage Payment Holiday, And How Do I Apply?

Posted 4 months ago


Over 1.9 million mortgage payment deferrals have been offered to customers impacted by Covid-19 in the three months since the support was launched, new research has found.  1.2 million deferra..

Tagged: coronavirus guide finance


Investors' Relief: What You Should Know

Investors' Relief: What You Should Know

Posted 4 months 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 4 months 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 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


Nearly Half of Small Businesses Unable To Repay Government Loans

Nearly Half of Small Businesses Unable To Repay Government Loans

Posted 4 months ago


Forty-three percent of businesses that have taken out either Bounce Back Loans or Coronavirus Business Interruption Loans say that they will be unable to repay the loan, according to the Business Ba..

Tagged: coronavirus cbils bbls sme finance loan entrepreneur


What Does The New Furlough Scheme Mean For You?

What Does The New Furlough Scheme Mean For You?

Posted 4 months ago


In a widely anticipated move, the Chancellor will now allow workers who were furloughed under the Job Retention Scheme to return to work on July 1 on a part-time basis while still having their pay s..

Tagged: coronavirus business entrepreneurs news sme finance


Top Ten Equity Crowdfunding Tips

Top Ten Equity Crowdfunding Tips

Posted 4 months 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 4 months 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 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


How Do You Value A Startup?

How Do You Value A Startup?

Posted 5 months ago


Valuing early-stage companies is more of an art-form than it is a science, especially when it is a business that has just started its journey. A valuation of a business is determining what someone i..

Tagged: Business startups venture entrepreneur sme funding finance equity crowdfunding


True Royalty TV Praises NextFin On Its Ratings Service

True Royalty TV Praises NextFin On Its Ratings Service

Posted 5 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 5 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 5 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


What Are Local Enterprise Partnerships, And Where Can I Apply?

What Are Local Enterprise Partnerships, And Where Can I Apply?

Posted 5 months ago


With 38 currently operating within England, a Local Enterprise Partnership (LEP) is a partnership between local authorities and businesses. They decide local economic priorities and help to drive ec..

Tagged: LEP business sme funding finance entrepreneur


Here's What You Need To Know About Due Diligence

Here's What You Need To Know About Due Diligence

Posted 5 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 5 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


Struggling With Online Sales? Here’s What You Can Do

Struggling With Online Sales? Here’s What You Can Do

Posted 5 months ago


Whether you’re a small retail brand operating from home or work for a vast ecommerce giant such as Ebay, online sales form the lifeblood of a business. But increasing sales can be a herculean ..

Tagged: business sme money finance


Five Things To Remember Before Equity Crowdfunding

Five Things To Remember Before Equity Crowdfunding

Posted 5 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 5 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 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


Looking To Start A Business? Here's How

Looking To Start A Business? Here's How

Posted 5 months 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 5 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


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

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

Posted 5 months 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 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


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

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

Posted 5 months 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 5 months 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 5 months 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 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 6 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


Could Equity Crowdfunding Offer  A Lifeline For Small Businesses?

Could Equity Crowdfunding Offer A Lifeline For Small Businesses?

Posted 7 months ago


Author: Sacha Bright & Oliver Murphy Coronavirus poses an existential threat to small businesses in the UK. As Nextfin has reported, while the expansion of the Chancellor’s re..

Tagged: P2P Crowdfunding News MarketFinance


What Do The Changes To CBILS Actually Mean For Businesses?

What Do The Changes To CBILS Actually Mean For Businesses?

Posted 7 months ago


Author: Sacha Bright & Oliver Murphy Last week, after sustained criticism, the Chancellor overhauled the Coronavirus Business Interruption Loan Scheme to make it easier for businesses struggl..

Tagged: News Loans Start-ups Assetz Capital MarketFinance


Equity Crowdfunding Social Impact Rating By NextFin

Equity Crowdfunding Social Impact Rating By NextFin

Posted 11 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 12 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


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 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


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

Posted 4 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 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


London Diamond and Emerald Exchange crowdfunding campaign

Posted 4 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 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


What is debt crowdfunding and how does it work?

What is debt crowdfunding and how does it work?

Posted 4 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

6 things to check closely before applying for a crowdfunding loan

Posted 4 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 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


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 5 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 5 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 5 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 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


Business Agent challenges Lord Turner’s Irresponsible Scaremongering

Posted 5 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 6 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 6 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 6 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

Posted 6 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


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