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Alternative Finance blog

Is An Innovative Finance Isa (IFISA) For You?

Is An Innovative Finance Isa (IFISA) For You?

Posted 2 months ago


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

Tagged: IFISA Investment P2P


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

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

Posted 3 months ago


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

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


What are the different types of ISA available?

What are the different types of ISA available?

Posted 6 months ago


Instant Savings Accounts (ISA) have been available for over 20 years now. They have been an effective way for individuals to save money and earn tax-free interest. With such, you can save up to &pou..

Tagged: ISA


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

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

Posted 2 years ago


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

Tagged: p2p investing risk management IFISA tax efficiently


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


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

Posted 3 years ago


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

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


An 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


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


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


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


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

Posted 4 years ago


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

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


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


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