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

  • ThinCats move to larger offices to cope with their continued expansion… Ratesetter streamline their offerings by removing the facility to lend for 3 years

  • Troubled times ahead? The Secret Investor takes a hit with 3 of his Funding Circle loans defaulting in the past fortnight meanwhile Ratesetter announce they expect a 24% increase in bad debt – they still expect their Provision Fund to cover these losses so long as they get the expected levels of repayments… both Funding Circle and FundingSecure have introduced procedures that will ensure investors start earning interest sooner when they commit to a loan.

  • The FCA have announced a post-implementation review of the rules they have introduced since they began regulating P2P Lending two years ago. Hopefully no additional measures will be required which could delay platforms being able to offer IFISAs… Milestones have been reached for ReBuildingSociety and LendingWorks who have passed the £10 million and £30 million lent marks respectively

  • Since the outcome of the EU Referendum was announced, many of the major P2P sites have emailed investors to offer reassurance that Brexit will not affect their operations but who can say for certain? Meanwhile FundingKnight have entered administration only to be “rescued” by GLi Finance – the institutional investor that abandoned the platform in February.

  • 3 months after the introduction of the IFISAs, the major platforms have not had authorisation from the FCA to offer the tax free savings product… Assetz Capital reveal that their investors have only lost 0.31% of their capital thanks to the platform’s secure lending policies.

  • Enticed by rates of return well into the teens, the Secret Investor has been making purchases on Funding Secure’s Secondary Market. What he failed to realise was how HMRC rules would see his tax obligations gobble up most of his profits and put him at risk of making a loss with regards to these particular loans.

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