NON BANK LENDING a form of alternative finance
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FINDING FINANCE THE MODERN WAY.
CROWDFUNDING, PEER 2 PEER, CURRENCY TRANSFER, INVOICE FINANCE.
NON BANK LENDING is ALTERNATIVE FINANCE and the modern way of raising business finance.
This is also called Market Based Lending
'Market Lending' to Businesses,projects and individuals.
Non Bank Lending is beginning to grow fast in the U.K. In America it is pretty well established and in Europe it is beginning to get into the mainstream of financing.Worldwide it is developing as more Companies and individuals look to raise finance without going to the banks.
£2 billion has been raised by peer 2 peer and crowdfunding in the last 12 months.
It seems to be common thought in the financial papers that the main banks will reduce their commercial lending by 20%.This is actually beginning to get common practice now as the banks start to transfer their lending to mortgages allowing commercial lending to contract.New regulation are making banks think how they do business reqiring alernative ways of finance to develop.
During 2014 commercial lending by mainstream banks is still contracting as they hold capital.
It is however noticable that the banks are now investing through platforms of p2p and this is escalating fast .These sums are large by any means and are often starting at £250 million
For Business loans Microfinance, Find Finance
The European Union has issued a green paper to assist crowdfunding to grow and fill the gap left by the main lenders .They seem to have taken up the baton and are now running with it.It will be interesting to see the results of their decision.
Many forms of lending including peer 2 peer and crowdfunding come under the regulator the F.C.A. http://www.fca.org.uk/ from April 1st 2014.
Investment advice must only be from an advisor registered with the F.C.A http://www.fca.org.uk
Planning Your Future
It's one of the most important things we can do, but it's also the most overlooked. Here at Non Bank Lending we'll help you accomplish your future financial goals every step of the way. Don't worry, we've got you.