Lenders who subscribe to 4thWay are asking about P2P borrowers’ ability to pay back their P2P loans, while their home mortgage costs are going up. Rising rates can also potentially knock house prices down, so I’m covering that too. Especially with latest headlines on falling…
Today I want to look at how to prevent permanent lending losses caused by such things as recessions. 4thWay often alerts its subscribers in its newsletter if there are signs that a P2P lending website is lowering its standards, e.g. by accepting more borrowers with worse…
Benjamin Graham was a highly intelligent investor who basically invented the most successful way to invest in shares. He didn’t go for all the complexity of many of his other colleagues in his industry. Just like all highly successful long-term investors that we know of,…
“Safe” and “20%” interest is probably not a phrase that you can legitimately hear. But “saf” and “20%” is something else. Because, of all the opportunities where you might be able to earn that return, one of them has to be the safest among them….
In autumn last year, inflation had doubled in six months to 3%, which prompted me to write The Impact Of Inflation On P2P Lending Results. Another six months or so have passed, and the inflation rate has more than doubled again, hitting 7.8%. This means…
LandlordInvest’s Bridging & Development Loans are currently unrated, as we’re missing just a small amount of monthly data required for our minimum assessment criteria. These loans have been paying lenders around interest before bad debts. Visit LandlordInvest or keep reading the LandlordInvest Review.
Funding Circle is a stock-market listed company, registered as FCH for “Funding Circle Holdings” on the London Stock Exchange since autumn 2018. The Funding Circle share price is right down at 1/6th of its highs and it’s unchanged since releasing its 2021 results three days…
P2P lending is far better than ESG funds if you want both great returns as well as to truly support better causes while you invest. ESG means “Environmental, social and corporate governance”. Basically, it’s supposed to be about businesses being socially, ethically and ecologically responsible….
Kuflink* has just reported its first ever profit of about £400,000, off the back of real earnings of about £3 million, for 2021. This is the first profit for the group since it launched its P2P lending arm, after results previously improved from a £3…
Jeremy Grantham of GMO is making the case for investors putting more into “specialized” lending and less into shares today, because we’re currently in superbubble territory. While he’s most concerned about the US stock market, he’s also worried about stock markets in general, especially in…
Recently, for a friend, I returned to my old stomping grounds of share investing to look at the best options for her. I was interested to know how these had changed since I last assessed them in great detail, which would have been early in…
Zopa has closed its P2P arm to focus on its bank. Zopa wrote to its customers: “Sadly, over the last few years, customer trust in P2P investing has been damaged by a small number of businesses whose approach led to material losses for customers investing…
This is an analytical Zopa review for lenders (otherwise known as investors). You can also visit our peer-to-peer lending comparison tables or IFISA tables to see how Zopa compares. 4thWay’s Zopa Review Still want to read the Zopa Review? We’re keeping the last version of…
Visit Proplend* has only ever introduced one new type of loan in its seven-year history. Everything it has done over the years shows that it prioritises quality lending that it understands above rapidly growing its own business. For just the second time, it’s just introduced…
In assessing lending risks, it’s useful when you uncover contradictory information on a P2P lending company. So, today, I’m going to list a variety of very typical contradictions that we see, using real-life examples. I’ll help you learn how to spot them and give you…
The UK annual inflation rate has risen to 3%, after dropping below the 20-year average of 2% (or, rather, 1.999%) for 21 months in a row up to April 2021. With many countries have recently seen rising inflation, and with nearby Germany recently reporting a…
Kuflink* is now up-to-date in publishing all its company accounts at the UK’s companies registrar, after long delays. I’ve looked into its recent financial results, its independent auditor reports – which were especially important this time round – and other matters. Recent results Kuflink’s latest…
At 4thWay, we’re fascinated by the unusual nature of Rebuildingsociety’s loan book. No high-street bank dataset we’ve ever seen comes close to this kind of profile and nor do any other P2P lending companies. The loan book defies belief. Borrower grading has historically sucked. Bad…
This article covers: What is unsecured small business lending? When do small business loan bad debts occur? How and when do these loans make a profit? What do individual lenders need to do to reach a profit? How much does platform ability, borrower quality and…
I’m not new to reading long-winded court judgments, so I want to write about some interesting points for lenders that came up in this 83-page High Court judgment on Lendy this month. My thoughts are not specifically for people who lent through Lendy, the disgraced…
