Iain Niblock

CEO

Iain Niblock

LendingCrowd Review

Scotland's only peer-to-peer lender, Lending Crowd, has lent over £20m since 2014. We review the P2P investment platform and its loan book in detail.
Iain Niblock
Iain Niblock
6 min read

The Great Re-bundling of Financial Services

If fintech companies can meet all of the financial needs of consumers, we could witness the widespread disruption of traditional banks. Orca discuss.
Iain Niblock
Iain Niblock
4 min read

Provision Funds: Delivering Value or Marketing Message?

Are provision funds a reliable security measure protecting investors in peer-to-peer lending or simply a marketing ploy? We explore.
Iain Niblock
Iain Niblock
6 min read

RateSetter Review: How Safe is Ratesetter?

RateSetter is in a period of growth and investment... But, how safe is RateSetter? The Orca RateSetter review looks at the financial/operational health..
Iain Niblock
Iain Niblock
4 min read

Flender €100 Bonus

P2P cashback incentives are a great way to boost your returns. Flender is offering 10% extra on top of your first year returns.
Iain Niblock
Iain Niblock
2 min read

P2P Cashback Offers: Get 6% Bonus Returns with No Added Risk

P2P lending offers, such as cashback incentives, are a great way to boost your rate of return from the 4-6% ranged to 10-12% in your first year lending.
Iain Niblock
Iain Niblock
3 min read

Peer-to-Peer Lending: An IFA's Dilemma

Peer-to-peer lending is considered unsuitable for their clients by most IFAs in the UK. We explore why, offering our thoughts on some unfair assumptions.
Iain Niblock
Iain Niblock
4 min read

Zopa Review: Loan Book Analysis

The following article, Zopa Review, analyses Zopa (founded in 2005), the first peer-to-peer lending (P2P) platform to launch in the UK and globally. The platform allows investors to lend money to consumers seeking personal loans to purchase cars, consolidate debt or to fund home renovations. Zopa has facilitated more personal loans than any other provider and in July 2017 had lent a cumulative £2.44bn, marginally behind Funding Circle’s £2.47bn. Zopa currently boasts 60,000 lenders on its pla
Iain Niblock
Iain Niblock
8 min read

P2P Investing: Guidance on Principal Considerations

With 12 years of market maturity there are now a range of different P2P investment options. Here are some tips and considerations when researching P2P lending.
Iain Niblock
Iain Niblock
4 min read

P2P Mythbuster: 6 Peer-to-Peer Lending Myths Debunked

Peer-to-peer Lending is often misunderstood by media commentators, investors and wider financial services market. Orca is keen to set the record straight.
Iain Niblock
Iain Niblock
4 min read

Peer-to-Peer Lending as an Asset Class

P2P is an attractive asset class for investors, institutions and non-institutional investors alike, but where does it fit in a broader investment portfolio?
Iain Niblock
Iain Niblock
3 min read

P2P Risks: Professional analysis of the safety of peer-to-peer Lending

'Peer to peer' lending is growing at an incredible rate, but the returns must be carefully weighed against the risks.
Iain Niblock
Iain Niblock
4 min read