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If the past four or five years are anything to go by, the alternative finance market is unlikely to rest on its laurels as we move towards the end of the decade and beyond. As businesses become more comfortable with new ways of getting funding, the AltFi market will not only grow, but will also…
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It’s been only six years or so since the first peer-to-peer lending and crowdfunding platforms arrived to fill a vacuum created by the financial crisis. Since then, awareness of Alternative Finance has risen sharply. For many businesses today – whether seeking to borrow money or sell shares – an AltFi platform may be the first…
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Challenger Banks and AltFi Platforms are Changing the Face of Customer Service We’ve all become accustomed to “always-on” customer service;it’s hard to imagine a world in which you couldn’t order a television from Amazon, swap money between bank accounts or update insurance details at any time of the night or day. And if we…
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Any business owner seeking to raise capital must inevitably ask a simple question. Will my funding proposal represent an attractive proposition to lenders or equity investors? It’s a question that is often the precursor to a series of steps that will ultimately create a better business. A requirement for additional finance forces a change of…
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Broadly speaking, alternative finance platforms fall into two camps – namely, those that offer a variation on the equity crowdfunding theme and those facilitating debt funding. And for a business with little experience of either borrowing large sums of money or selling shares, the first step on the road to raising finance is to understand…
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It’s a Friday afternoon at around 4.30. The sales team is winding down for the weekend and purposeful activity has given way to a debate over where to go for after-work drinks. Meanwhile in the Managing Director’s office, the PA has just put through a call from a local accountancy firm. The owner of a…
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“Money is better than poverty, if only for financial reasons.” – Woody Allen Welcome to Part 4 of our guide to Alternative Finance Terminology (see also Part 1, Part 2 and Part 3). S Security In the world of Alternative Finance, security generally refers to collateral on a loan, which a lender can use to…
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“I made my money the old-fashioned way. I was very nice to a wealthy relative right before he died.” – Malcolm Forbes In Part 1 and Part 2 of this series, we’ve been doing our little bit to demystify the world of obscure phrases, weird juxtapositions, and otherwise meaningless acronyms that make up the…
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Today, businesses face real challenges when it comes to sourcing traditional bank finance. In the past, owners of small and medium-sized enterprises (SMEs) who were seeking a loan would instinctively turn to one place– their local bank. This is very much still the case for the vast majority of SME owners.At present, the largest…
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“Withdrawal symptoms are what you experience every time you go near your bank” – Anonymous. All industries and disciplines have their very own unique sets of jargon – and the AltFi (that’s an abbreviation for “alternative finance”, by the way) industry is no different. Here’s Part 2 of The Route – Finance’s alternative finance terminology…
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