News Briefing - Crowdfunding, SME And Alternative Finance

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The essentials are here and will be regularly updated. If you want to be well-informed about the investment crowdfunding scene, and you're short of time, this is the place to visit.

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Today's Briefing

1. UK – Real Estate

P2P Finance News looks at the impact of P2P on the buy-to-let market.

“THE BUY-TO-LET (BTL) mortgage market will see a drop in loan sizes and origination volumes due to regulatory changes, according to research by Standard & Poor’s.

The ratings agency said on Tuesday that the Prudential Regulation Authority’s (PRA) changes to BTL mortgages and lending requirements, combined with the UK government’s new tax regime, was likely to reduce net cash flow to BTL investors.

“We anticipate that the most immediate effect of the changes will be a drop in loan origination volumes,” said S&P Global Ratings’ credit analyst Alastair Bigley.”

 

2. UK – FinTech

ETHLEND, a peer-to-peer lending application that runs on the Ethereum blockchain network, has formed a partnership with Brickblock to explore the possibilities of lending with blockchain technology, reports P2P Finance News.

“The companies are looking at ways to simplify lending and bring secure real-world assets like real estate into the lending process as collateral.

ETHLend offers secured loans with the use of ERC-20 compatible digital tokens as collateral.”

 

3. US – P2P

 

Lending Times runs a feature on he founder Gilad Woltsovitch.

A one on one with Gilad Woltsovitch, founder of the online lending platform Backed, Inc. His personal journey navigating the turbulent times of the last two years, how Backed emerged from of the online lending chaos of 2016, and how he discovered a Blockchain-based solution to establish a secondary market for credit assets that can add at least another half a trillion dollars to the online lending industry over the next five years.

An interview with Backed's Gilad Woltsovitch | Lending Times

4. US – FinTech

 

Crowdfundinsider runs a warning against overconfidence in the ICO market.

 

“If you’ve been under a rock for the last year or so, you might not know that “initial coin offerings” or ICOs are the hottest thing in the financial market today. As if the fact that the overwhelming majority of ICOs aren’t regulated in any substantive way didn’t make them a risky enough investment, it seems fraudsters are dusting off the old “pump-and-dump” scheme made famous in the 80s and 90s and giving it new life in the ICO industry.”  

 

5. International – P2P

 

News comes from New Zealand.

The Financial Markets Authority (FMA) today published its first statistical report on peer-to-peer lending (P2P) and crowdfunding in New Zealand, according to Crowdfundinsider. The organization described the report as a snapshot of P2P and crowdfunding activity in New Zealand for the year ended June 30, 2017.

“The data shows $259.9 million is currently loaned to individuals and $29.5 million loaned to businesses through peer-to-peer lending in the year ending 30 June 2017. A total of $74.2 million was raised from investors through crowdfunding, including wholesale investors, in the same period.”

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The Daily News Briefing is sponsored by Money&Co. and edited by Martin Baker, Director of Content and Communications at Money&Co and Editorial Director of Another Crowd.

It is provided as a free information service, based upon fair use. Nothing in the Daily Briefing is privileged, confidential or investment advice.

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