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

Latest From Our Blogs

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

Growth Guarantee Scheme launched to succeed Recovery Loan Scheme

Last post: Mar 7, 2024

The Growth Guarantee Scheme (GGS) has been announced as the successor to the Recovery Loan Scheme (RLS) and effectively it's back to business as usual.

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Recent Blog posts

  • Assetz Capital introduce a Cashback scheme which will yield a return of 2% by next June… ArchOver are also offering Cashback – a flat rate of £300 – to mark their 4th birthday… Crowd2Fund publish their loanbook but it is too early to gauge the actual performance of the platform… Funding Circle launch on the London Stock Exchange.

  • Merchant cash advances (MCAs) or business cash advances (BCAs) as they are also known, are increasingly being mentioned as a means of supporting the cash-flows of small businesses. So, in what circumstances may it be worth a business pursuing an MCA, and what could it help them to achieve?

  • 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

  • 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.

  • 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.

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