Posts By: Trevor Clawson

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…

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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…

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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…

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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…

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Understanding Development Finance – How Much Can You Borrow?

Entrepreneurs thrive on their ability to identify and satisfy demand in a particular market. And from an entrepreneurial perspective, there can be few markets that are so self-evidently rich in pent up demand as residential property.    Estimates of that demand vary, but the settled view of Government is that the UK needs to build…

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British Business Investment Launches £100m Plan To Support Regional SMEs  

British Business Investment has announced a new initiative aimed at improving the flow of ‘angel’  funding to small and medium sized businesses in the UK’s regions. Research carried out by the organisation – a subsidiary of the British Business Bank – has revealed significant regional imbalances in the availability of angel funding. According to the…

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Business Borrowing Subdued Amid Economic Uncertainty

Nearly 40% of UK small and medium sized businesses  think that it might be difficult to obtain credit and just under a third (31%) see trade finance, or the maintenance of a healthy credit balance as an alternative to taking out a loan or overdraft, according to the latest BDRC-BVA SME Finance Monitor report, covering…

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