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Alternative Finance blog

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

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

Posted 1 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


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

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

Posted 2 months ago


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

Tagged: News P2P Lending Bank of England


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

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

Posted 2 months ago


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

Tagged: News CBILS P2P lending Money & Co


Benefits of P2P Finance & Securing its Future

Benefits of P2P Finance & Securing its Future

Posted 7 months ago


P2P finance has evolved over the last 7 years. Peer to Peer is triple edged, you have the borrower, the lender/investor and the platform. They all need to be happy with a deal for it to work. If a ..

Tagged: Peer-to-peer Lending


Investing In An Alternative Finance Platform

Investing In An Alternative Finance Platform

Posted 2 years ago


Ever fancied investing in an alternative finance platform? Well if you have you should definitely get in touch with businessagent.com, but you may also find the news that investly, a peer-to-peer le..

Tagged: equity crowdfunding p2p investing p2p compare platform peer-to-peer lending


Sacha Bright comments on 4th Alternative Finance Industry Report

Sacha Bright comments on 4th Alternative Finance Industry Report

Posted 3 years ago


Sacha Bright, founder and CEO of businessagent.com the regulated independent market place for the UK equity crowdfunding and business peer-to-peer (P2P) lending comments on Friday’s 4th Altern..

Tagged: Sacha Bright equity crowdfunding peer to peer lending P2P lending Alternative Finance Industry Report Cambridge Centre for Alternative Finance due diligence


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

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

Posted 3 years ago


NESTA and Sage published a report on regional Small and Medium (SME) sized business productivity in the UK this week. It makes for fascinating reading and should certainly attract the attention of W..

Tagged: equity crowdfunding peer to peer lending p2p lending NESTA Sage SMEs London competition businesses


Are P2P platforms about to face their toughest test yet?

Posted 3 years ago


On Monday GLI Finance wrote down the value of its investments in eight peer-to-peer (P2P) lending platforms by £12.6 million. The investment company that backs fintech businesses cited “..

Tagged: business finance P2P lending peer to peer lending GLI Finance invest investment Lendy Zopa risk


Goldman Sachs to launch a UK online Bank and possible P2P lending platform

Posted 3 years ago


Goldman Sachs, the US based investment bank, is set to launch a new online Bank in the UK. It will aim to provide savers with more attractive returns than those on offer from the UKs high street Ban..

Tagged: Goldman Sachs investment bank alternative finance online bank p2p lending peer to peer lending Zopa Ratesetter


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


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

Posted 3 years ago


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

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


An update on the Peer to Peer marketplace

Posted 3 years ago


The big news earlier this week was released on 31 July by RateSetter. The Peer-to-Peer (P2P) lending site announced that it has issued more than £2 billion of loans to businesses and individua..

Tagged: alternative finance peer to peer lending p2p lending Ratesetter improve transparency default rates


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


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

Posted 3 years ago


This week NatWest announced that it will be launching a new online lending platform. The “3 minute business loan” will allow small businesses to borrow up to £35,000 in a process t..

Tagged: business loan Natwest 3 minute business loan small businesses peer-to-peer marketplace p2p marketplace p2p loans p2p lending banks bank loan


What is peer-to-peer lending?

Posted 3 years ago


Peer-to-peer lending – also known as P2P lending, debt crowdfunding and marketplace lending – is an alternative financing model whereby people borrow from other people, rather than going..

Tagged: business loans business sme business funding loans peer to peer peer to peer loans peer-to-peer loans peer to peer lending peer-to-peer lending equity crowdfunding


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


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


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


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 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


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