Posts Tagged: p2p

Private Credit – Why it is on the rise for UK Businesses

Since 2012, The Route – Finance’s Private Debt Platform has raised £132m in funds committed by investors. That’s an impressive figure in itself, but it is also part of a much bigger picture that has been developing in the wake of the 2008 crisis. Since then, private investors have been increasingly willing to fund small-…

Read More

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…

Read More

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

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

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,…

Read More

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…

Read More

Funding Circle Replaces  Downloadable Loanbook With Quarterly Report

Peer-to-Peer lending platform  Funding Circle has announced that retail investors will no longer have access to a downloadable loanbook. Instead – in a switch to quarterly reporting – data on loans will be made available through a new statistics page, which will be updated every three months. Signalling the change via its corporate blog, Funding…

Read More