Roast Dinners And P2P Loan Reflections


Roast Duck

Some time before or after dealing with the Sunday roast many of you find time to look at your investment portfolios. In the spirit of the reflective nature of Sundays, we offer our take on the key points to consider before making a peer-to-peer (P2P) business loan via the Money&Co. Platform.

M&CLogo

  • Take the trouble to understand what you're putting money into...
  • Avoid the common confusion between equity crowdfunding – which gets a lot of attention in the media – and debt or loan crowdfunding...
  • Bear in mind that you're lending to a borrowing company. You're not lending to Money&Co...
  • Examine the borrowers' proposals in detail...
  • Don't be seduced by yield...
  • Spreading your loan offers is a good idea....
  • Access to your money when you become a P2P lender is typically not as instant as withdrawing cash from an ATM or a bank...
  • If you're involved in an auction process, watch that process carefully...

Above are the headlines of our tips for lenders – for more detail, each tip is amplified in the Money&Co. knowledge hub. The full article is available here, and you'll find a series of other expositional pieces sited in the hub.

JOL Logo

Our latest, A-rated offering, is to fund the purchase of a barber's shop in Wimbledon. Jacks of London has already raised 19 per cent of the £188,500 sought, with a current gross indicative yield of 9.8 per cent. The term of the loan is five years. See fuller details of the loan by registering as a Money&Co. user here.

Risk

When you lend money, you capital is at risk. Please read the warnings on the Home, Lend and Frequently Asked Questions pages.



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Disclaimer: Money&Co.™ is the trading name of Denmark Square Limited, Company Number 08561817, registered in England & Wales, authorised and regulated by the Financial Conduct Authority (FCA). The company is identified on the Financial Services Register under Reference Number 727325. The registered office is 58 Glentham Road, Barnes, London, SW13 9JJ where the register of Directors may be inspected. Denmark Square Limited (ISA manager reference number Z1932) manages the Money&Co. Innovative Finance ISA.