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

Why SMEs need Choice Business Loans' services more than ever

Last post: Aug 24, 2021

The last 18 months has been a challenging time which has seen the Government back around £79.6 billion in loans to UK businesses over three schemes (CBILS, CLBILS & BBLS). On top of this there was the Furlough Scheme, which is now winding down, and of course the significant grants that were given out.


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Relevant Issues Blog

Thinking about selling your business? This is what you need to know

Last post: Sep 16, 2021

The ongoing pandemic has for many SME owners been a wakeup call. Bruised by coping with the machinations of Brexit and the consequent need for stockpiling, and the ongoing impact of the pandemic on health and the economy, (re)assessing your own retirement plans may now be feeling timely.


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Recent Blog posts

  • So, what is a PDQ cash loan_

    While poring over your options for business finance, you may have heard of ‘PDQ cash loans’ or a similar term, and wondered what these are, and whether they could help your company.
    The acronym PDQ stands for ‘Process Cash Quickly’, with ‘PDQ machine’ simply being another name for a card machine, as are widely used by businesses for the quick and convenient processing of card payments.
    However, you may not have realised that your own firm’s PDQ machines could help to unlock a form of business finance lacking many of the disadvantages associated with traditional bank loans.

  • A rundown of some of the different types of crowdfunding

    Crowdfunding – a means of raising money from a large number of people each making small donations, as opposed to sourcing the entire required sum of money from a single bank or financial institution – has gained ever-greater traction in the world of business funding in recent times.

    However, if you are to understand the potential relevance of crowdfunding for your own firm, it is important to become well-versed in the different forms that this innovative way of obtaining finance can take, and the associated advantages and drawbacks.

  • Business angels vs venture capitalists

    You may consider seeking external investment in your business for any of a wide range of reasons. Of course, the prospective monetary benefit is the most obvious one, with cash injections often instrumental in the development and growth of firms in all manner of sectors. There are also certain strong non-monetary advantages that investors can often bring, such as relevant expertise and professional connections.

    Whatever your reasons for looking for an investor from outside your company, it will doubtless be helpful for you as an entrepreneur to know what kind of investors are out there, as well as how you can boost your business’s attractiveness to the right investors for you.

  • Headlines: Lending Crowd’s Summer Bonus is to offer £50 Cashback to those who transfer an ISA worth £5,000 or more over to them… Funding Circle’s active loan book has increased by 37% over the past 12 months… ReBuildingSociety factor a hard-Brexit into their credit risk model.

  • Lending Works revamp their product range so that they are defined by ease of access rather than length of the investment... Following their quarterly review, Funding Circle have halted the downward trend in their projected rates of return, holding them at their current levels… Assetz Capital have upped the ante with their Refer-a-Friend scheme, for a limited time they are offering £100 to introducers… Those selling on ReBuildingSociety’s Secondary Market can provide Buy Back guarantees… ArchOver launched a new type of loan that is secured via anticipated income from EU/UK Grants for R&D activity

  • FundingSecure have changed their terms and conditions so that loans only begin to accrue interest after the closing deadline rather than as soon as investors pledge funds… Assetz Capital almost double their target of £1 million when their latest round of equity funding closes.

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