Category: Featured

Will Major SIPP Providers Ever Adopt P2P?

Since April 2016 there has been a lot of industry excitement resulting from the launch of the Innovate Finance ISA (IFISA), while investing through Self Invested Personal Pensions (SIPPs) has largely been forgotten about. Hargreaves Lansdown estimates that one million people in the UK have a SIPP, offering investors the ability to self-select investments, while… Read more »

Funding Circle Review

  Funding Circle is a peer-to-peer lending (P2P) platform, where investors can lend money to small to medium (SME) sized businesses. Founded in 2010, Funding Circle has grown into the largest business focused UK peer-to-peer lending platform. Investors have the choice of manually selecting the businesses they wish to lend to or they can automatically… Read more »

Peer-to-Peer Lending: Bridging the Data Gap

A strange thing happened in April last year, when the regulator allowed financial advisers to recommend peer-to-peer (P2P) lending to their clients. What happened was – nothing. At least not to begin with. The P2P lending industry had rather assumed that, once advisers were permitted to suggest their clients consider P2P investments then, provided they… Read more »

RateSetter Review: Loan Book Analysis

  Similar to the analysis we conducted on the Zopa loan book, we have reviewed RateSetter’s loan book to provide investors with a better understanding of RateSetter’s investment offering. RateSetter offers three investment products, or ‘markets’: a monthly Rolling Market, a fixed 1 Year Market and a 5 Year Market. Investors are required to open an account,… Read more »

Zopa Review: Loan Book Analysis

  In the past year, Zopa, one of the largest UK peer-to-peer lending platforms changed its product structure to provide retail investors with a quick access and higher-yielding account. At Orca, we have conducted analysis on the Zopa loan book to demonstrate the level of risk investors might expect when investing in these products.  Currently, as an investor, you can… Read more »