Hello everyone I hope you are all keeping well.
As we move towards 2014 banks will start to tighten corporate lending more as it is expected they have to include sovereign bonds into keeping some assets as a back up for risk associated with these type of bonds.Something they have not done before.
This will inevitably restrict commercial lending once again.
New legislation comes into force in 2014 in the U.K. with respect to crowdfunding and peer to peer.It will benefit this type of fundraising as it brings it under the regulator at last.
We have added a new company that has set up a peer to peer site along with its other business of lending to residential development up to £1 million.Not in central London however.
Finance directors need to start looking at new ways of raising finance.Just relying on the banks in the U.K. is going fast.
We have added the new company to our p2p website under property p2p.
Just go to www.nonbanklending.co.uk
All of you enjoy the end of year festivities and we will see you in 2014.
Happy and successful investing.
Christopher.
Monday 16 December 2013
Monday 25 November 2013
Finance is required,time to look and learn.
Hi everyone I hope you are all well these days.
In the U.K. it is in the news that one of the major banks has not been playing fair as the government thinks it should have.The regulators have been asked to investigate.
The bank involved was ,it was reported ,the biggest bank in the world at one point.The point in fact is that if they have not been playing straight it will also attract the attention of the European regulator as it was at one time heavily into Germany as I remember.
Its division which is being investigated is at this point of time ,it is reported, to be the biggest commercial property owner in Europe and I do not think all the properties it owns came from businesses in the U.K.
As we go on more and more finance directors need to learn about non bank lending as from January 2014 the banks will be required to hold more capital which will restrain commercial lending even more.
Those finance directors that are learning about peer to peer and crowdfunding will be those that are ready and capable of diversifying their borrowing requirements as the banks will not lend in the quantities they have.
We are definitely moving into a new era of financing and all companies should now be looking at the new ways of financing to take of their reliance on banks.
As a latest bit of information a U.K. based peer to peer site is raising finance to start operating in Europe on a platform designed for the European market.
Happy and successful investing to you all.
Christopher.
In the U.K. it is in the news that one of the major banks has not been playing fair as the government thinks it should have.The regulators have been asked to investigate.
The bank involved was ,it was reported ,the biggest bank in the world at one point.The point in fact is that if they have not been playing straight it will also attract the attention of the European regulator as it was at one time heavily into Germany as I remember.
Its division which is being investigated is at this point of time ,it is reported, to be the biggest commercial property owner in Europe and I do not think all the properties it owns came from businesses in the U.K.
As we go on more and more finance directors need to learn about non bank lending as from January 2014 the banks will be required to hold more capital which will restrain commercial lending even more.
Those finance directors that are learning about peer to peer and crowdfunding will be those that are ready and capable of diversifying their borrowing requirements as the banks will not lend in the quantities they have.
We are definitely moving into a new era of financing and all companies should now be looking at the new ways of financing to take of their reliance on banks.
As a latest bit of information a U.K. based peer to peer site is raising finance to start operating in Europe on a platform designed for the European market.
Happy and successful investing to you all.
Christopher.
Wednesday 2 October 2013
Slowly slowly she moves forward.
Hello everyone I hope you are all well.
I see reports in America that crowd funding and peer to peer is really beginning to attract the professional money investors.That is good as it all needs substance pretty fast to develop as it needs.
In the U.K. we are a bit behind you as always we seem to be cautious as things go. This will change I am sure and soon as we need another substantial form of finance for business projects and investments as the banks in the U.K. seem to be chasing mortgages and dropping business finance by large amounts.
It is the business and the growth of business that employ people,who have families to keep and bills to pay.I sometime wonder how many businesses at the base of finance actually look long term or just the here and now.
The new way of raising finance in the U.K. needs to be established and grow to fill the gap the banks ,I am certain will leave open.
Non bank lending will fill that gap as I am sure.Banks started in a similar way centuries ago so being written off by some financiers and bankers as a flash in a pan is well short of reality.
Happy and successful investing to you all.
I see reports in America that crowd funding and peer to peer is really beginning to attract the professional money investors.That is good as it all needs substance pretty fast to develop as it needs.
In the U.K. we are a bit behind you as always we seem to be cautious as things go. This will change I am sure and soon as we need another substantial form of finance for business projects and investments as the banks in the U.K. seem to be chasing mortgages and dropping business finance by large amounts.
It is the business and the growth of business that employ people,who have families to keep and bills to pay.I sometime wonder how many businesses at the base of finance actually look long term or just the here and now.
The new way of raising finance in the U.K. needs to be established and grow to fill the gap the banks ,I am certain will leave open.
Non bank lending will fill that gap as I am sure.Banks started in a similar way centuries ago so being written off by some financiers and bankers as a flash in a pan is well short of reality.
Happy and successful investing to you all.
Monday 2 September 2013
U.K.Banks still tightening cash flow.
Hi everyone I hope you are all well.
Despite all the talk in the papers in the U.K. that banks are helping small businesses with their cash flow it is beginning to be commonly known that banks in the U.K. are pulling overdrafts and reducing loan facilities.
The banks keep saying that they are increasing lending but it is probably certain companies having their loans rolled over at a higher interest rate.
Their is also a lot of talk that interest rates should go up.I think this is just those involved in benefiting from those rates going up that are doing all the pushing.
I am born and bred in the U.K. however I do find things difficult to understand about the average British businessmen.
That is:
a) They sell out of a project before it becomes really successful and they can really benefit from it.A case of grab the cash and go.
b) They are often not forward enough looking in things that are central to surviving and becoming successful.
Take finance.Any Finance Director or businessman worth his salt should be following nonbanklending,which includes peer to peer and crowdfunding amongst other forms of finance.
Some people say that crowdfunding and peer to peer is a small part of finance.It may be at the moment but that is how banks started centuries ago.Relying on the major banks any more is not a viable option for the successful businessman. I hope they take notice earlier than when they get refused finance from the banks.
Happy and successful investing to you all.
Despite all the talk in the papers in the U.K. that banks are helping small businesses with their cash flow it is beginning to be commonly known that banks in the U.K. are pulling overdrafts and reducing loan facilities.
The banks keep saying that they are increasing lending but it is probably certain companies having their loans rolled over at a higher interest rate.
Their is also a lot of talk that interest rates should go up.I think this is just those involved in benefiting from those rates going up that are doing all the pushing.
I am born and bred in the U.K. however I do find things difficult to understand about the average British businessmen.
That is:
a) They sell out of a project before it becomes really successful and they can really benefit from it.A case of grab the cash and go.
b) They are often not forward enough looking in things that are central to surviving and becoming successful.
Take finance.Any Finance Director or businessman worth his salt should be following nonbanklending,which includes peer to peer and crowdfunding amongst other forms of finance.
Some people say that crowdfunding and peer to peer is a small part of finance.It may be at the moment but that is how banks started centuries ago.Relying on the major banks any more is not a viable option for the successful businessman. I hope they take notice earlier than when they get refused finance from the banks.
Happy and successful investing to you all.
Tuesday 27 August 2013
U.K. banks tightening lending.
Hello everyone I hope you are all well.
In the U.K. we are told by the large banks that small businesses do not want to borrow.It is not that some want to borrow but that U.K. banks ,if willing to lend,want high interest rates. Their explanation is the risk factor relative to the loan.
We do however know that banks want to shrink their loan portfolio.The large banks will only realise that when they have shrunk considerably someone has filled that gap.
In the U.K. nonbanklending is a new way of raising finance ,something they will take time to get used too.
However within 10 years nonbanklending will become totally mainstream as finance directors will in some way be forced to look for other types of finance as bank finance dries up in front of them.
I do however believe that as long as nonbanklending is strictly monitored by the regulators, which it will in the U.K. be starting April 2014,then 2 results will take place in the finance world.
Firstly finance directors and the borrowing public will have their debt levels more widely distributed.
Secondly it will make the funding and borrowing within finance in the hands of more structured entities which should limit the disasters that take place being handled by only half a dozen major players.
Happy and successful investing to you all.
In the U.K. we are told by the large banks that small businesses do not want to borrow.It is not that some want to borrow but that U.K. banks ,if willing to lend,want high interest rates. Their explanation is the risk factor relative to the loan.
We do however know that banks want to shrink their loan portfolio.The large banks will only realise that when they have shrunk considerably someone has filled that gap.
In the U.K. nonbanklending is a new way of raising finance ,something they will take time to get used too.
However within 10 years nonbanklending will become totally mainstream as finance directors will in some way be forced to look for other types of finance as bank finance dries up in front of them.
I do however believe that as long as nonbanklending is strictly monitored by the regulators, which it will in the U.K. be starting April 2014,then 2 results will take place in the finance world.
Firstly finance directors and the borrowing public will have their debt levels more widely distributed.
Secondly it will make the funding and borrowing within finance in the hands of more structured entities which should limit the disasters that take place being handled by only half a dozen major players.
Happy and successful investing to you all.
Wednesday 14 August 2013
Raising finance for business in the U.K.
Hi everyone I hope everything is well with you,
raising finance for businesses in the U.K. is now spreading to the crowdfunding websites.
The British government has allocated £55 million to be spread through the crowdfunding websites to lend to sole traders.They have not yet received this but is expected to be funded soon.
Sole traders, such as plumbers carpenters and similar trades ,can apply for amounts up to £20,000.
It will take time for businesses to realise this is the modern way of finance but from my impression it will not take long for them to grasp this idea and will spread amongst them fast.
It will be up to the crowdfunding and peer to peer websites to attract the investors to fill the continuing gap as the banks are still shrinking their capital base.
Happy and successful investing to you all.
Finding finance for you. www.nonbanklending.co.uk
raising finance for businesses in the U.K. is now spreading to the crowdfunding websites.
The British government has allocated £55 million to be spread through the crowdfunding websites to lend to sole traders.They have not yet received this but is expected to be funded soon.
Sole traders, such as plumbers carpenters and similar trades ,can apply for amounts up to £20,000.
It will take time for businesses to realise this is the modern way of finance but from my impression it will not take long for them to grasp this idea and will spread amongst them fast.
It will be up to the crowdfunding and peer to peer websites to attract the investors to fill the continuing gap as the banks are still shrinking their capital base.
Happy and successful investing to you all.
Finding finance for you. www.nonbanklending.co.uk
Tuesday 13 August 2013
Quiet August raring to go.
Hi everyone hope you are all well.
In the U.K. it is the usual quiet subdued month.Very boring.
No activity at present but activity is raring to go.
It is expected that European banks will start in earnest as we approach September to start reducing their assets to reduce their liabilities.
This will need a massive infill by other types of finance to keep the economy going through the next 3 years,to sustain businesses and their activities.
Nonbanklending can start to fill that gap but finance directors have to grasp the steel and realise banks are shrinking and do not want to lend in the way they did.
The banks will try and cherry pick lending business but they will soon find out they cannot all have a large share of the same cake.
Nonbanklending which includes peer to peer and crowdfunding amongst the range of finance available will start to become mainstream as the banks retreat.
And by the way property is getting really heated in the U.K.(overpriced) and rents are getting too expensive to afford.
Happy and successful investing to you all.
www.nonbanklending.co.uk
In the U.K. it is the usual quiet subdued month.Very boring.
No activity at present but activity is raring to go.
It is expected that European banks will start in earnest as we approach September to start reducing their assets to reduce their liabilities.
This will need a massive infill by other types of finance to keep the economy going through the next 3 years,to sustain businesses and their activities.
Nonbanklending can start to fill that gap but finance directors have to grasp the steel and realise banks are shrinking and do not want to lend in the way they did.
The banks will try and cherry pick lending business but they will soon find out they cannot all have a large share of the same cake.
Nonbanklending which includes peer to peer and crowdfunding amongst the range of finance available will start to become mainstream as the banks retreat.
And by the way property is getting really heated in the U.K.(overpriced) and rents are getting too expensive to afford.
Happy and successful investing to you all.
www.nonbanklending.co.uk
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