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

April P2P Lending Platform News Round-up

Last post: Apr 11, 2019

A flurry of emails have been sent to Peer to Peer investors in the past 2 weeks encouraging them to invest their IFISA allowance… Ratesetter report that subscriptions to their tax-free savings product have exceeded £200 million in just over 12 months… FundingSecure will introduce a minimum bid on its larger loans to increase investors’ cautiousness… CapitalRise raise £2.2 million of equity funding via the Seedrs platform.


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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

Most Popular Regions in the UK to Start a Business

Last post: Mar 24, 2019

An infographic that shows the most popular regions to start a business in the UK, number of births and deaths in the year of 2017.


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Relevant Issues Blog

4 Mistakes Businesses Make When Borrowing Finance

Last post: Mar 5, 2019

It can be easy for businesses to jump into taking out a loan to help finance their next project, employees or restructure, however there are many pitfalls and mistakes when borrowing finance that can damage your financial stability. What are the key mistakes businesses make when borrowing finance?


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Recent Blog posts

  • Assetz Capital report a strong increase in investor demand following the announcement of the rate raise for some of their Managed Accounts… Across all platforms the proportion of P2P loans to borrowers in Northern Ireland appears to be increasing possibly due to the Brexit-related uncertainties of that region deterring mainstream lenders.

  • Ratesetter’s promotion which sees £100 given to new investors who lend £1,000 for a year ends on 30th June… FundingCircle remove investor access to its loanbook – a backwards step for transparency… FundingSecure allocate more staff to managing late loans.

  • ArchOver have launched their IFISA – the last of the major platforms to do so… Ratesetter pass the £2.5 billion Total Lent milestone.

  • Assetz Capital close their Green Energy Account due to a lack of loans that meet the eligibility criteria… Assetz Capital have also increased the target gross interest of their Quick Access and 30-Day Access Accounts by 0.35% pa and 0.85% pa respectively – the latter now returns an impressive Provision Fund protected 5.1% pa… Some FundingCircle investors express concern about rising defaults.

  • Zopa offers £200 in cashback after their IFISA attracts £100m since launching last June… LendingCrowd lower their maximum bid rates by 2% pa… Ratesetter open up their IFISA to accept funds from existing Cash ISAs, Stocks & Shares ISAs and other IFISAs.

  • Investors flock to FundingSecure at the start of the new Tax Year… LendingCrowd offer up to £400 for those who lend via their site before 30th April… Lending Works pass the £100 million lent mark… FundingCircle opens its IFISA to new customers.

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