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

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

Business Loan Scams

Last post: Dec 6, 2019

It’s easy these days to get caught up in scams. Whilst it’s rarer than ever to receive emails from Nigerian princes who need freeing promising you gold and riches, sophisticated, targeted fraud that is difficult to detect is on the rise. Advance fee fraud is a common attack, and whilst it’s one of the best known and well documented techniques, it’s also very easy to fall for if you’re not cautious enough.


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Recent Blog posts

  • What do you do if someone takes a Small Claims Court claim against your business? This is a practical guide to what you should expect and how you proceed.

  • Funding Circle increase diversity for their passive investors by reducing the minimum holding in any individual loan from £20 to £10… ThinCats open up their IFISA to new customers… The Secret Investor is pleased to see his first loan on the ArchOver platform to be backed by an R&D tax rebate paid back after just 2 months.

  • 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.

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    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?

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    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

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