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

Goodbye from the Secret Investor

Last post: Oct 24, 2019

The Secret Investor summarises his thoughts after 4 years of writing about his P2P investments. What has he learned, what does he think will happen to the industry now and what will he do from now on?


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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 & Infographics

What is marketing - and how it can benefit your business

Last post: Nov 8, 2021

At Choice Business Loans we want to see our clients thrive, which is why we take the time and care to provide them with the right advice when it comes to loan solutions available to them. Beyond smart finances, running a successful SME often includes lots of multitasking and balancing of priorities. One such priority that can be difficult to get to grips with but is hugely important, is marketing. Nicole Martin of Pinpoint Marketing shared with us her top tips on getting it right - and some thoughts on when it may be time to outsource.


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Relevant Issues Blog

Warning signs that a business is in trouble

Last post: Mar 16, 2022

Spotting the early signs of a business getting in to trouble can often save a business, rather than leaving it too long, throwing too much money at it and it not working. Sadly we think that a few businesses will start to feel that pain and maybe try and ignore it, but getting to it early gives it a better chance of survival.


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Recent Blog posts

  • 1

    Merchant cash advances (MCAs) have attracted ever-greater attention in recent times as an alternative form of business finance, and are compared especially often to traditional bank loans, to such an extent that they may sometimes be casually referred to as ‘cash advance loans’. In truth, though, an MCA is different to a loan – in terms of not only the form that it takes, but also what is required to apply for one and the business circumstances to which it is best suited.

  • Zopa increase rates for investors… LendingCrowd’s Autumn Cashback promotion is the most generous they have ever offered… AssetzCapital & Funding Circle introduce “Refer a Friend” schemes… ThinCats opt to make some loans exclusively available to their new institutional partner

  • no scrutiny

    A merchant cash advance - or MCA - is a form of alternative business finance for small firms and sole traders. Whereas traditional bank loans require borrowers to pay back a set amount of funds on set dates over time, a merchant cash advance – also known as a business cash advance – works on a rather different basis, with the amount repaid at any one time proportional to turnover. That’s because it’s a form of finance based on a company’s credit or debit card transactions.

  • just a few weeks

    A merchant cash advance is a great, safe option for small to medium-sized businesses that operate on fine profit margins - in other words, precisely the kind of business that can be especially susceptible to unexpected cash-flow problems - and need access to finance. Many businesses attempt to obtain such funding from the bank, only to have been flatly rejected. It’s a situation that many an owner of a small to medium-sized enterprise (SME) has experienced, and it may have led to considering the wide world of alternative business finance.

  • Funding Circle have formally announced their intention to list on the London Stock Exchange. The company is expected to be valued at £2 billion and hopes to raise £300 million to fund expansion into new markets… Meanwhile, in the battle of the IFISAs, Zopa has seen an in-flow of £150 million since its tax free product was launch in June 2017 while Ratesetter’s IFISA has attracted £130 million of investor’s capital in eight months.

  • Zopa investors hate Marmite!... LendingCrowd’s loan book continues to grow – increasing by 78% since December… In cash terms, Funding Circle is “the daddy” with £800 million lent over the same period

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