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Peer-to-Peer Lending UK Facts and Figures 2013 Product Image

Peer-to-Peer Lending UK Facts and Figures 2013

  • ID: 2641968
  • September 2013
  • Region: United Kingdom, Great Britain
  • 250 Pages
  • Ian Youngman
Financiers take peer-to-peer lending seriously

FEATURED COMPANIES

  • AF Finance
  • Crowd Mortgage
  • Funding Empire
  • Lending Well
  • Microloan Foundation
  • Squareknot
  • MORE

The UK is one of the most advanced countries in the world for peer-to-peer lending with over 40 platforms.

By 2015, peer-to-peer lending in the UK will be worth £1 billion a year in loans.

As well as growing in popularity, increasingly the peer- to- peer lending space has also caught the eye of institutional players

Websites including Zopa, Ratesetter and Funding Circle put investors together with individuals or businesses who want to borrow money. The theory is that borrowers can get lower rates than a bank would charge them, while lenders can earn more money on their savings than they could from a cash account. However, lending to individuals or small businesses carries the risk that the borrower will go bankrupt and not be able to repay your money.

Peer to peer lending is an increasingly popular way of financing projects, business ideas, and personal loans through small contributions from a large number of individuals.

By 2020 it will be common for businesses to connect with investors via peer-to-peer websites and market wide platforms, which matches SMEs' potential investors, advisers and lenders.

“ Peer-to-Peer Lending UK facts READ MORE >

Financiers take peer-to-peer lending seriously

FEATURED COMPANIES

  • AF Finance
  • Crowd Mortgage
  • Funding Empire
  • Lending Well
  • Microloan Foundation
  • Squareknot
  • MORE

1. Overview
- Introduction
- Types of peer-to-peer lending

2. Background
- History of crowd funding
- History of peer- to-peer lending
- What crowd funding is
- UK relevance

3. Market size
- Market size-global
- Market size-Europe
- Market size-UK
- Number of peer–to- peer platforms
- Market leaders
- Largest loans
- Failed lenders
- Market overview

4. Platforms
- Target market
- Investors
- Failed platforms

5. Why it has risen
- The need
- Austerity
- Benefits

6. Research
- Assetz Capital
- Banking Commission
- BIS
- Centre for Economic and Business Research
- Civitas
- Consumer Finance Association
- Deloitte
- FSB
- Funding Circle
- GE Capital
- Glasgow Chamber of Commerce
- Massolution
- Nesta
- National Institute of Economic and Social Research
- OECD
- Open Data Institute
- Platform Black
- rebuildingsociety
- Taskforce on non-bank Lending
- Touch Financial
- Viking
- Welsh Government
- West One Loans
- Which ?
- Zopa

7. Viewpoints
- UK government
- Bank of England
- HMRC
- FSB
- CBI
- European Commission
- Which ?
- London School of Business and Finance
- CreditSuisse

8. Regulation
- Overview
- Background
- Financial Services Act
- Financial Policy Committee
- Prudential Regulation Authority
- Financial Conduct Authority
- FCA plans on peertopeer lending
- Advantages of regulation
- Regulation of peertopeer lending
- Financial Services Compensation Scheme
- Financial Ombudsman Service
- Advertising Standards Authority
- The Office of Fair Trading
- Consumer credit licences
- Regulated platforms

9. UK government initiatives
- Business Bank
- Business Enterprise Partnership
- Business Finance Partnership
- Enterprise Finance Guarantee
- Funding For Lending Scheme
- Start up Loans Scheme

10. UK peer-to-peer lender initiatives
- Business Lending Partnership
- FundingStore
- Lancashire County Council

11. Links with bankers
- Barclays
- Packaging
- Petra
- Rothschild
- Santander
- Xchange Lending

12. Trade bodies
- Association of Bridging Professionals
- Association of Short Term Lenders
- National Association of Commercial Finance Brokers
- Next Generation Finance Association
- Peer-to-Peer Finance Association
- UK Crowdfunding Association

13. How it works
- Introduction
- Risks
- Charges to lenders
- Lenders and tax
- Getting a loan
- Charges to borrowers
- Selection of borrowers
- Lenders
- Bad debts
- Protection against bad debts
- How platforms make money

14. Types of loans
- Business
- Buy to let
- Entrepreneurs in developing countries
- Farmers
- Guaranteed personal
- Mortgages
- Pawnbroking
- Personal
- Post graduate students
- Property
- Property developers
- Scottish businesses
- Westminster businesses
- Women business owners in Africa

15. Businesses and other users
- The need
- Why peer to peer lending is better than a bank loan
- Why bank lending has fallen off
- Why peer to peer lending is a risk

16. Other lenders
- Threat to banks and other lenders
- Banks and lending
- High street banks
- New high street bank
- Challenger banks
- Ethical organisations
- Islamic banks
- Building societies
- Credit unions
- Payday lenders
- Community development finance institutions

17. Competing products
- Asset finance
- Invoice factoring
- Invoice discounting
- Pension-led funding
- Selective invoice finance

18. The future
- Future

Platform profiles
- AF Finance
- assetz Capital
- Bank2thefuture
- BigCarrots
- Boost
- Buy2letCars
- Buzzbnk
- Cash Pigeon
- civilized money
- Crowd Mortgage
- Danesfield
- Deki
- eFundCommunity
- eMoneyUnion
- elevate
- Encash
- Folk2Folk
- Funding Circle
- Funding Empire
- FundingKnight
- Funding Secure
- FundingStore.com
- GraduRates
- iBanker
- Inuka
- Kiva
- Lending Well
- LendInvest
- LendLoanInvest
- LendLocal
- Lend to Let
- Lendwithcare
- Linked Lending
- Market Invoice
- Massow's Angels
- Mayfair Bridging
- Microloan Foundation
- MyAzimia
- One Stop Funding
- PiggyBank
- Quakle
- RateSetter
- Ray's Fund
- rebuildingsociety
- Relendex
- Squareknot
- Squirrl
- ThinCats
- TRUFIS
- TrustBuddy
- West One Loans
- yes-secure
- YouAngel
- Zopa

Financiers take peer-to-peer lending seriously

- AF Finance
- assetz Capital
- Bank2thefuture
- BigCarrots
- Boost
- Buy2letCars
- Buzzbnk
- Cash Pigeon
- civilized money
- Crowd Mortgage
- Danesfield
- Deki
- eFundCommunity
- eMoneyUnion
- elevate
- Encash
- Folk2Folk
- Funding Circle
- Funding Empire
- FundingKnight
- Funding Secure
- FundingStore.com
- GraduRates
- iBanker
- Inuka
- Kiva
- Lending Well
- LendInvest
- LendLoanInvest
- LendLocal
- Lend to Let
- Lendwithcare
- Linked Lending
- Market Invoice
- Massow's Angels
- Mayfair Bridging
- Microloan Foundation
- MyAzimia
- One Stop Funding
- PiggyBank
- Quakle
- RateSetter
- Ray's Fund
- rebuildingsociety
- Relendex
- Squareknot
- Squirrl
- ThinCats
- TRUFIS
- TrustBuddy
- West One Loans
- yes-secure
- YouAngel
- Zopa

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