Bad debts on the 23,000 loans issued by Zopa in 2015 so far are virtually zero, despite more riskier borrowers. In my article Zopa Risks & Lending Speed Rise, Rates Stable, I reported that Zopa is accepting more loan applications than it used to, so that it can…
Hi 4thWay® News and Tips subscribers! My book, “4thWay’s Intelligent Peer-to-Peer Lending Strategies”, covers strategies to make much more money, much more safely, and it drills down to show individual strategy by each individual P2P lending website. For you, it’s free! All I ask for in…
Crowdstacker is a brand spanking new P2P lending website that helps you lend to businesses. It offers you British businesses that: Are well established. Have a compelling business proposition. Pass Crowdstacker’s financial health checks, which includes fraud checks and checks on their market and industry trends…
MarketInvoice is a P2P lending service that allows lenders to lend to medium- and large-sized businesses. These business borrowers put up specific invoices as collateral, and they repay lenders within a matter of weeks or months when the business receives payment of its invoices from its customers. Lenders earn…
When looking at lending to property development opportunities on the various platforms that cater for this type of lending there are many things to consider. (To find those opportunities, read about the roughly two dozen Property Peer-to-Peer Lending Websites.) I think this is probably the most…
Over half of the P2P lending platforms allow you to lend in property loans. (Read 18 Property Peer-to-Peer Lending Websites.) So you might be concerned to have read the headlines this week that house price rises have halved from over 11% a year ago to…
There was an article in the Financial Times this week about bonds (High time for greed to yield to fear). It was very oblique and unclear, since it was largely quoting analysts and investment banks, all of whom, in my experience and opinion anyway, generally refuse to stick…
Landbay* is a P2P lending website that allows you to lend your money to experienced buy-to-let investors. CrowdLords is not P2P lending. It’s being a buy-to-let investor yourself, albeit as part of a crowd of landlords sharing a property. Note that CrowdLords is for people…
The Sunday Morning Herald, an Australian newspaper, recently had an article that started like this: “Is peer-to-peer lending out of control? There’s certainly some cause for concern.” It cited the industry’s rapid growth as one of the reasons for this worry. To back this up, it quoted…
With the growth of peer-to-peer lending websites there are a few things that we individual lenders need to be sure of before we invest our hard earned money. 1. How P2P lending websites assess borrowers Critical to achieving a decent return is understanding the true…
Thanks to David and UK Bond Network for letting us pinch this educational article from their own blog. Legal covenants are of vital importance to investors when investing in debt of any kind – be it personal loans, business loans (including minibonds), corporate bonds (as issued…
I interviewed CapitalStackers‘* Steve Robson, Director, who filled me in on some interesting aspects about the property P2P lending website. Firstly, I should note that CapitalStackers’ minimum lending amount is £5,000. The service is generally only available to people classed as sophisticated investors or high-net worth,…
This is the first article in a new series for 4thWay®, covering investment on the edges of P2P lending. That means alternative ways to invest in the P2P lending sector without lending directly to borrowers yourself. These might either help you spread your risks, manage…
Adapted from 4thWay co-founder Neil Faulkner’s new book on P2P lending strategy, read why it is that you should question everything when investing. Part of the reason you’re reading this website is that you’re a natural sceptic. It’s your job as an investor – for…
With bond interest rates plummeting to near zero, it is only a matter of time before a lot of people lost money, as was explained in yesterday’s FT article Bond market fireworks flash warning signals. When bond interest rates drop, it means people are paying too…
For most peer-to-peer lending companies, a bad debt amounting to a mere 0.15% is not noteworthy. But it’s different for Lending Works. Because this is the first time it has suffered at least one bad loan. Prior to now, its 16-month record of nearly 2,000 loans had…
Research by Cambridge University shows the UK is now storming ahead of its European neighbours in its acceptance and use of alternative finance, with the market swelling to £1.9bn in 2014. Although this growth is great, its speed, together with the newness of the sector,…
CrowdProperty took five months to get its first deal completed, but just five weeks to do its second. Clearly, it’s speeding up. New P2P lending websites can offer interesting opportunities. The interest rates tend to be higher, so if you can satisfy yourself that the…
Zopa latest: Speed of getting money on loan: up Proportion of loans accepted: up Riskier borrowers: up Interest rates: stable Zopa has taken steps to help get lenders’ money on loan faster and to stabilise rates, and set a scene which could lead to…
Welcome back to the third course of my 4th way. For my returning readers you’ll know that I began to look at the idea of venturing into P2P lending in Follow Me As I Learn to P2P. When I had reduced my selection down to…
