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

February P2P Lending Platform News Round-up

Last post: Feb 14, 2019

Against a backdrop of rising insolvencies in the UK, ArchOver claim their credit checking procedures will limit the impact of this trend on their customers… CapitalRise launch their Secondary Market… Funding Circle’s updated website makes data relating to investors’ portfolios harder to find… Ratesetter’s IFISA attracts £175 million in 12 months.

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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

When is a Merchant Cash Advance Suitable For Your Business?

Last post: Jan 2, 2019

When is a Merchant Cash Advance suitable? We take a look at the requirements for a merchant cash advance as well as whether or not you should choose a merchant cash advance over a traditional loan.

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Relevant Issues Blog

Alternatives to a Business Bank Overdraft

Last post: Jan 29, 2019

Alternatives to a Business Bank Overdraft. An overlook into Revolving Credit Facilities, Merchant Cash Advances and Invoice Financing and how they can work as alternative options to a business bank overdraft.

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Recent Blog posts

  • 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

  • Amazon-Business

    If you're a business who often buys from Amazon, whether it be on bulk orders of cutlery for your restaurant or large commercial machinery, it's worth getting a better deal with Amazon Business.

  • 3WaysToSolveCashFlowProblems

    3 ways to solve your cash flow problems with alternative finance including Merchant Cash Advances, Revolving Credit Facilities and Invoice Financing.

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