Choice Business Loans Blog

"An investment in knowledge pays the best interest." - Benjamin Franklin.


These are our Blogs about alternative finance, SME loans and the broader business environment

Latest From Our Blogs

Peer-To-Peer Lending With The Secret Investor

Goodbye from the Secret Investor

Last post: Oct 24, 2019

The Secret Investor summarises his thoughts after 4 years of writing about his P2P investments. What has he learned, what does he think will happen to the industry now and what will he do from now on?

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Reviews Of The Peer-To-Peer Lending Sites

InvestUP - The P2P Superstore

Last post: Dec 21, 2015

Diversification. That is the key to successful P2P lending but such a strategy, with funds spread across many platforms, can be extremely time consuming. The InvestUP Crowdfunding brokerage has been established to alleviate this problem by enabling investors to distribute their capital across many P2P hosts using just one account. Currently, offerings are listed from over 20 P2P sites in this online superstore of opportunities.

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Special Reports & Infographics

What is marketing - and how it can benefit your business

Last post: Nov 8, 2021

At Choice Business Loans we want to see our clients thrive, which is why we take the time and care to provide them with the right advice when it comes to loan solutions available to them. Beyond smart finances, running a successful SME often includes lots of multitasking and balancing of priorities. One such priority that can be difficult to get to grips with but is hugely important, is marketing. Nicole Martin of Pinpoint Marketing shared with us her top tips on getting it right - and some thoughts on when it may be time to outsource.

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Relevant Issues Blog

Redundancies – What must employers do?

Last post: Nov 8, 2024

In light of the recent budget, we have had a few conversations with clients where they are having to consider making some extremely hard choices about the number of staff the business can reasonably sustain, to ensure that the business remains successful to continue to employ as many people as they can. A choice no business owner relishes making, but one that on occasions needs to be considered.

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Recent Blog posts

  • On 1st November, the Bank Referral Scheme went live. This forces the high street banks to pass any loan applications from SMEs they reject to "referral platforms" which will then search for a suitable method to raise the required capital. This can include everything from peer-to-peer lenders, to building societies, to challenger banks. It will be interesting to see whether this will see an increase in the number of loans listed on P2P sites… and whether they will be worth investing in.

  • Lending Works have received Full Accreditation from the FCA paving the way for them to offer P2P ISAs… The much-heralded pipeline of loans at Invest & Fund begins to bear fruit with 3 coming to auction in the past fortnight… Borrowers at Assetz Capital raise £15 million – record for that platform

  • A new platform launched yesterday – Peer Funding. As well as asset backed and bridging loans, they also plan to offer Invoice Financing. I will be monitoring the progress of this site… They’ll have to go some to catch up with FundingCircle and Ratesetter who both set new records with 10s of £millions lent in the past fortnight

  • ThinCats’ owners ESF Finance ditch some of their borrower sponsors and take over the role themselves… FundingKnight reboot their Secondary Market, it was down for over 3 weeks… The Secret Investor has his first default to be blamed on Brexit

  • Returns on Personal P2P sites are falling… The Secret Investor has sold up on Ratesetter because of their low interest rates and rising risk forecasts… Nightmare for FundingKnight – their secondary market has been down for almost a fortnight.

  • AssetzCapital get a 5-Star rating from Defaqto… ThinCats are reviewing their “Social Loans” after the first one they listed failed to fully fund… Not too many SME borrowers on any platform at the moment – bridging loans abound along with a couple of iffy personal loans masquerading as business deals

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