Category: Uncategorized

Zopa Is Fully FCA Authorised…Finally

Zopa, the pioneer and founder of peer-to-peer lending (P2P) has been given the green light to offer the Innovative Finance ISA (IF ISA) after the provider was fully authorised by the FCA on Thursday. In order for a P2P lending platform to offer an IF ISA they must be fully authorised by the City watchdog… Read more »

Funding Circle Review: Operator Health

In addition to our review of the Funding Circle loan book performance we have also conducted a review of Funding Circle’s operator health. From an investor’s perspective, it’s important to understand the stability, both financial and otherwise, of a particular peer-to-peer lending platform. We call this ‘Operator Health’. Assessing Operator Health is important as it… Read more »

Crowd Bonds and Debentures Eligible for IF ISA

In July 2015, George Osborne, the Chancellor at the time, announced that peer-to-peer (P2P) investments were eligible to be held within a newly formed ISA, the Innovate Finance ISA (IFISA). After successful lobbying by several companies operating in the alternative lending space, who were not quite fully defined as P2P, the HMRC permitted other debt-based… Read more »

Innovative Finance ISA: P2P Lending Coming of Age

Peer-to-peer (P2P) lending is coming of age. This innovative and exciting development, revolutionary in its potential, is well on the way from fringe activity to the investment mainstream. April 6 2016 was a great day for the P2P industry. Independent financial advisers (IFAs) were permitted for the first time to recommend P2P investment to clients… Read more »

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 »