Posts Tagged: alternative business lending

Due Diligence and Borrower Transparency are Key to Debt Funding

In an ideal world, business owners seeking to raise debt capital would approach potential lenders well in advance of the money being required. That’s not always possible, of course. Opportunities arise that may require debt funding. Less positively, a business may fall victim to an unexpected event – such as the collapse of a major…

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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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Funding  Circle Flotation Underway

Peer to Peer lender, Funding Circle has confirmed plans to list on the London Stock exchange in a flotation that it hopes will raise £300m.   The flotation plans were announced at the beginning of September, along with a registration document containing a detailed breakdown of Funding Circle’s current position in the P2P lending market,…

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FCA Signals Tighter Controls on Peer to Peer Lending

The Financial Conduct Authority has published proposals aimed at providing a greater degree of protection for investors who lend to individuals and businesses through Peer to Peer (P2P) platforms.   To date the FCA has taken a ‘softly, softly’ approach to the regulation of marketplace lending, taking the view there was a need to encourage…

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Platform Power – How Information Helps Drive Investment

Since the launch of the first Peer to Peer and Equity Crowdfunding platforms, alternative finance has not only been providing new options for businesses seeking capital, it has also been redefining the web of relationships that link companies, investors and intermediaries.    In broad terms, the various platforms that have emerged over the past five…

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Finance Directors Are Laggards When It Comes to Alternative Finance

 A new study from an independent senior recruitment specialist firm, Tindall Perry, reveals that 74 per cent of finance directors describe their knowledge of alternative finance as average or above, yet only a quarter of them were comfortable accessing crowdfunding or peer-to-peer lending.   Over 83 per cent of finance directors approach their bank first…

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Preparing to borrow – What A Business Needs To Do

                    Platform-based lending has undoubtedly opened up the UK’s corporate finance market. Five years ago, a small company seeking debt funding would have – almost by default – gravitated towards one or more High Street banks, or perhaps a specialist business lender, recommended by a broker.…

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