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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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Why Property Developers Should Consider Private Debt

  The world of property development has its own well-established finance ecosystem – one in which banks and also specialist lenders provide a range of funding options to investors, developers and entrepreneurs.   And that is good news for anyone preparing plans for an investment in the buy-to-let market or something more ambitious – perhaps…

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Preparing to Borrow For A Property Development Project  

Property development opportunities take many forms, so naturally enough, there are also numerous finance options. When preparing to borrow to fund a project, it’s important not only to match the source of finance to the project, but also to think about what the lender will require before signing off on a deal. So depending on…

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