What is peer-to-peer lending?

Peer-to-peer lending, often referred to as “crowd-lending”, is the term used to describe online financial matchmakers which pair together borrowers and lenders without the involvement of a traditional financial intermediary. Successful P2P platforms include Funding...

Factoring v selective invoice finance

SMEs have been hampered by slow paying customers for decades. This problem has seemingly worsened over recent years. Traditional financing methods such as Factoring and Invoice Discounting have been used by those businesses experiencing payment problems for many...

Agricultural Finance Solutions

Agricultural finance finds its way into the market in the case of managing the huge peaks and troughs of cashflow. Whilst Agriculture is a highly successful industry playing a key role in the global economy there does seem to be an important problem that persists...

What is a debenture?

A debenture is a financial instrument used to raise funds, acknowledging a loan to a company. The provisions are declared in a document, such as payment, interest and security of payment amongst others. There are 3 main types of debentures: As a collateral security:...

What is crowdfunding?

Crowdfunding is a form of finance where a wide range of investors (the ‘crowd’) all contribute small amounts of money to fund a project, idea or business. The service is delivered mostly via the internet through online platforms such as CrowdCube, Seedrs or Funding...

What is an overdraft?

Many of us are familiar with overdrafts as it is one of the few funding options open to both personal and business finance. Although the basic concept remains the same – you are borrowing from your bank once your current account has run out – there are some...