Peer-to-Peer Borrowing Explained


Peer-to-peer borrowing allows people to lend directly to other people or businesses. Money & Co, a crowdfunding platform, focusses on bringing businesses together with people via the peer-to-peer or p2p process. The people lend directly to the borrowing company.

Can my business borrow via p2p?

Only after your borrowing company has been credit-rated can it appear on the Money&Co. platform. Our credit-analysis algorithm, and the scrutiny of our team of analysts will result in a rating that can range from A+ for the most creditworthy company, through A, B+, B and C+, with C+ being the riskiest category. We believe our rating system is the most conservative and risk-averse in the P2P arena.

The loan, once it's been executed, is directly between your company and the lenders in the "crowd". We collect up the monthly payments the borrower makes and distribute them to all the lenders, using a sophisticated digital administration system that took 100 man-years to create.

When you borrow money you're staking your reputation, the goodwill of your business, and its main assets. Loans from Money&Co. lenders will always be secured by a debenture over the assets of the business. In some cases, borrowers may be asked to give personal guarantees for loans. You may also want to offer security over land and buildings if it is available, as this may improve your risk rating and make lenders more comfortable lending to you.


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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.