Choice Business Loans Blog

"An investment in knowledge pays the best interest." - Benjamin Franklin.


These are our Blogs about alternative finance, SME loans and the broader business environment

Peer-to-peer lending with The Secret Investor

Secret Investor: regulation of the IFISA causes frustration

Last post: Apr 6, 2017

Regulation of the IFISA frustrates the Secret Investor, Funding Secure get full authorisation from the FCA, Money & Co come to market with a rare deal and a deal with Lending Crowd defaults after only three payments!


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Reviews of the peer-to-peer lending sites

InvestUP - The P2P Superstore

Last post: Dec 21, 2015

Diversification. That is the key to successful P2P lending but such a strategy, with funds spread across many platforms, can be extremely time consuming. The InvestUP Crowdfunding brokerage has been established to alleviate this problem by enabling investors to distribute their capital across many P2P hosts using just one account. Currently, offerings are listed from over 20 P2P sites in this online superstore of opportunities.


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Special reports and infographics

The Evolution of Payment Methods

Last post: Mar 8, 2016

We’ve taken a look at how payment methods have evolved dramatically over the years as we continue to move into a generation of Contactless & Apple Pay.


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Blog about relevant issues

Finance Options For SMEs

Last post: Feb 1, 2016

For SMEs in the UK, there are several sources of finance and lending products available. So let’s have a look at some of the funding options for small and medium sized enterprises.


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Recent Blog posts

  • Regulation of the IFISA frustrates the Secret Investor, Funding Secure get full authorisation from the FCA, Money & Co come to market with a rare deal and a deal with Lending Crowd defaults after only three payments!

  • FundingCircle join Zopa in the £2 billion Total Lent Club… FundingSecure have released a Total Interest Earnt figure and it’s very impressive at over 13% pa… Lending Crowd have launched their IFISA which has a target return of 6% pa.

  • It has been a record breaking start to the year for both FundingCircle and Zopa with the latter narrowly winning the race to get to £2 billion Total Lent… Money & Co received full authorisation from the FCA this week but LendingWorks are one jump ahead as they’ve become the most recent P2P platform to offer an Innovative Finance ISA.

  • Frustratingly for lenders, as we approach the end of another tax year, the major P2P platforms are still unable to offer ISAs… Funding Circle secure a further £80 million of venture capital as their UK operations record a profit in the final quarter of 2016.

  • The New Year is a time for forecasts and ThinCats predict that both P2P interest rates and defaults will reduce in 2017 – on their site at least. Meanwhile LendingCrowd are the latest to introduce a managed account.

  • In their latest report on the P2P sector, the Financial Conduct Authority (FCA) expressed concerns about Managed Funds such as Assetz Capital’s Quick Access Account and Money & Co’s Portfolio Service. As these distribute funds to borrowers who are unknown to investors and are often backed by Provision Funds that imply capital returns are guaranteed, these are similar to bank accounts but P2P companies do not have to comply with the rigorous regulations that exists in the banking sector.

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