Crowdfunding: Equity And P2P Compared


Today, we take a peek over the fence at our cousins in the equity side of the crowdfunding fence. Our friends at Crowdfundinsider report a healthy state of affairs: “As everyone knows by now (or at least they should), small and medium-sized businesses are vital for economic growth and prosperity. SMEs are the job creators in the UK – and around the world. The Enterprise Investment Scheme Association (EISA) has worked diligently to promote SMEs and the benefits of investing in these businesses by leveraging the significant tax benefits offered under EIS and the Seed Enterprise Investment Scheme (SEIS).


“Now EISA has joined the Small Business Taskforce to ‘press the case for better SME funding’ and to help small SMEs thrive in post-Brexit UK.

“The newly formed Small Business Taskforce is a coalition of 11 organizations that will be demanding legislative changes to improve both the EIS and SEIS tax programs. The Taskforce will also be urging the UK government to speed up the funding process for businesses seeking EIS and SEIS investment. These two tax programs are widely used by investment crowdfunding platforms to help mitigate investor risk while driving business creation and innovation.”


At Money&Co., we lend to more mature companies that can afford to take on debt rather than give away equity in exchange for growth capital. The age of our average borrowing company is over 12 years old, as opposed to the younger companies and start-ups that tend to take the equity route. The average gross return achieved by Money&Co. lenders is over 9.1 per cent. Learn more by visiting our Knowledge Hub.


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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.