Posts By: Trevor Clawson

Platform Lending to SME’s Extends Beyond Plain Vanilla Term Loans

Let’s wind the clock back ten years, to a time before the advent of Alternative Finance, when lending to small and medium-sized businesses was dominated, almost entirely, by high street banks.    From the perspective of small businesses, the options seemed simple. Depending on circumstances and the requirements of the business, the bank would offer…

Read More

Private Debt Platform Investment Providing More Capital For The Route’s Borrowers

Since its launch, investors have committed almost £132 million to support entrepreneurs, developers and business owners via The Route – Finance’s Private Debt Platform.   Taken in isolation it’s an impressive figure. Those who invest via The Route – Finance’s platform are private individuals committing their own funds. Like all investors, they are accepting a…

Read More

Family Offices Property Strategies Indicate Growing Interest in Co-Investment Deals

In a report published earlier this year, professional services firm Deloitte set out some of the challenges facing family offices. These included the perennial issues associated with managing the transfer of wealth between one generation and the next and developing strategies that take account of different priorities within families. Other challenges are very much of…

Read More

Assessing the Cost of Capital On Property Development Projects

There is no single way to raise the capital necessary to fund a property development project. Depending on the size and scope of the venture, a developer might opt for some kind of term loan, a development finance package, bridging loan or a joint equity venture in which the profits are split between one or…

Read More

Beyond P2P – The Growing Importance of Niche Lending Platforms

In many respects, platform lending has been accepted into the corporate finance mainstream. Witness the latest report from the Cambridge Centre for Alternative Finance. Crunching the numbers for 2017, the Centre found that around 40% of loans advanced to businesses through P2P platforms were funded by institutions, including mutual and pension funds. It’s a finding…

Read More

Choosing The Right Financier Is Not Just For The Fast Growth Few

As Mick Jagger once memorably sang: “You can’t always get what you want.” And although the Rolling Stones frontman was – it’s probably safe to say – not thinking about the fundraising challenges faced by SMEs at the time of writing, the song could probably serve as soundtrack for those struggling to secure the capital…

Read More

Alternative Finance Continues to Evolve into 2019

As 2018 draws to a close, the Alternative Finance revolution is showing no sign of losing momentum.   Witness the latest update from the P2P Finance Association. According to the trade body, new lending to businesses by its members totalled £750m in the second quarter of 2018. Net lending to SMEs came in at around…

Read More