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Entries by Ridial Bipero

Small Businesses Turn to Alternative Funding for Loans

Small Businesses Turn to Alternative Funding for Loans

People are always looking for ways to invest their money so that they can get a positive return. But when it comes to opportunities, most people tend to stay on the traditional path; putting their money into stocks, bonds, mutual funds, money markets or CD’s. But there are other ways, however, that a person can invest their money for a solid return.

In 2013, peer-to-peer lending is one of the hot investment strategies that Wall Street is starting to take notice of. The reason is that it’s expected that over $2 billion in loans will originate from peer-to-peer lending leader LendingTree […] Read more

UK peer-to-peer lenders eye institutional investors; new crowdfunding products

Ask the CEO of any investment bank for a top-five list of challenges facing the industry in 2014 and competition from peer-to-peer (P2P) lending firms is unlikely to feature. But the next year could be a defining period for a phenomenon also known as crowdfunding.

The ambition of UK-based firms such as Zopa, Ratesetter and Funding Circle is to create an alternative to bank lending as financial institutions have shed assets and cut their balance sheets after the financial crisis. These P2P companies have created a new asset class by opening up the loan market for small and medium-sized companies […] Read more

Loans That Avoid Banks? Maybe Not

Loans That Avoid Banks? Maybe Not

It was that rare thing, scarcely seen in the financial world since the debut of the A.T.M. or microfinancing: an innovation to help regular people. When peer-to-peer, or P2P, lending began in the middle of the last decade, it offered an easy way for people to lend money to each other over the Internet.

On sites like Prosper Marketplace and Lending Club, prospective borrowers could list their requests, often alongside their personal stories, and people with spare cash could decide whether to finance them.

By cutting banks out of the process, borrowers typically got a lower interest rate than they would have […] Read more