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Alternative Finance blog

A guide to peer-to-peer property lending

A guide to peer-to-peer property lending

1 month ago


Author: Roxana Mohammadian-Molina, Chief Strategy Officer at Blend Network Many of you may have heard about peer-to-peer (P2P) property lending; some of you may have already dipped your toes in it;..

Tagged: p2p equity property investment


Approved Persons Regime Replaced

Approved Persons Regime Replaced

2 months ago


The Financial Conduct Authority (FCA) have replaced the Approved Persons Regime from the 9 December 2019. Along with the new P2P platform rules, detailing the need for transparency and ensuring pot..

Tagged: FCA Compliance transparency P2P


MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

MERGER MEANS RATINGS AND COMPARISON FOR CROWDFUNDING INVESTORS

3 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


Brexit and Interest rates: what do they mean for crowdfunders and P2P INVESTORS?

Brexit and Interest rates: what do they mean for crowdfunders and P2P INVESTORS?

2 years ago


London, 16 February 2018: well it has been a busy week hasn’t it. Brexit dominated the headlines, as the Conservative Government did its best to look organised, rouse and inspire. Economically..

Tagged: Brexit P2P Investors


Alternative finance is a vital resource for UK SMEs

Alternative finance is a vital resource for UK SMEs

2 years ago


Brexit has brought uncertainty and uncertainty is a poor bedfellow for a business trying to plan ahead. The large corporates have been vocal about their concerns, yet arguably the issue is even more..

Tagged: SMEs Alternative lenders P2P Platforms Loans


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

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

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


Investing In An Alternative Finance Platform

Investing In An Alternative Finance Platform

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

2 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?

2 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?

2 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

2 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

2 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

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


RateSetters withdrawal from the P2PFA highlights the importance of data transparency

3 years ago


Sacha Bright the CEO and founder of businessagent.com, the UK’s authorised equity crowdfunding and peer-to-peer (P2P) aggregator for businesses believes it is time for the UK’s debt and ..

Tagged: businessagent.com Sacha Bright equity crowdfunding peer to peer p2p Ratesetter P2PFA transparency


Personal relationships matter

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?

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

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


What do debt warnings mean for investors and small businesses?

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


The state of UK Equity Crowdfunding

3 years ago


Beauhurst have stated that equity investment into high growth UK firms is up this year. In their latest update, they said that May saw “an unusually large amount invested” and that June ..

Tagged: equity crowdfunding peer-to-peer P2P Crowdcube investors transparency crowdfunding statistics crowdfunding tools


Banks cutting local ties is better news for businesses than it may first appear

3 years ago


Last week the Guardian reported that RBS was cutting jobs in its small business loans department and outsourcing work to India. These cuts follow the closure of 158 branches last year and represent ..

Tagged: banks cutting local ties P2P peer to peer RBS good news for businesses


An exciting week for Peer-to-Peer

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

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


How to be risk aware and make an informed decision about investing in UK equity crowdfunding

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”

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


Why all the IFISA fuss?

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


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

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

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

3 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


Banks Begin to Cut Interest Rates

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

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


UK Treasury Committee Express Concerns over Peer to Peer Lending

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

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?

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?

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

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

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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