A webinar about Funding Circle and peer-to-peer loans, hosted by Funding Options.
Peer-to-peer lending is set to increase fivefold in the next three years, according to a recent forecast from Ernst and Young.
It looks like more and more SMEs are turning to alternative finance products out of frustration with the banks.
Given the hype, you'd think that most businesses are aware of the options available, right? Wrong. According to a recent survey, only 29% of respondents even knew what peer-to-peer lending is.
If you've got questions about peer-to-peer, this is your chance to ask Funding Circle. The first site of its kind in the UK, Funding Circle was launched in August 2010 and has since facilitated over £164 million in loans to SMEs, providing flexible business loans up to £1 million.
We'll be answering questions on the basics, as well as the details: What is peer-to-peer lending? Who is Funding Circle? What types of finance are offered? How does it work? What are the risks?
We'll also look at how you can put together the best possible finance application, and we'll take questions on whether your business or your clients might qualify.
This is a special event webinar ran by Funding Options in conjunction with Funding Circle. The award-winning Funding Options team works with a range of lenders to provide free, no-obligation advice about the best finance for your business.
Bryan Zhang / Insights from the latest Peer-to-Peer Lending ResearchJames by CrowdProcess
Bryan Zhang: Insights from the Latest P2P Lending Research
Keynote address by Bryan Zhang, of University of Cambridge, at LendIt Europe 2014. The title of this presentation is Insights from the Latest P2P Lending Research.
Samir Desai / Funding Circle / Building a Better Financial WorldJames by CrowdProcess
Samir Desai: Global Lessons in Marketplace Lending to Small Businesses
Keynote address by Samir Desai, of Funding Circle, at LendIt Europe 2014. The title of this presentation is Global Lessons in Marketplace Lending to Small Businesses.
This short guide provides you with an introduction to how you can earn attractive returns of between 5-12% pa* by investing in Peer-to-Peer Loans secured against UK income producing Commercial Property.
*After fees, but before bad debts & taxes. Capital at risk
Peer-to-Peer lending: What is Lending Club?David Peat
A presentation given to the Trade and Investment Society on Lending Club, a peer-to-peer lending start-up and currently the largest P2P lending company on the planet.
A webinar about Funding Circle and peer-to-peer loans, hosted by Funding Options.
Peer-to-peer lending is set to increase fivefold in the next three years, according to a recent forecast from Ernst and Young.
It looks like more and more SMEs are turning to alternative finance products out of frustration with the banks.
Given the hype, you'd think that most businesses are aware of the options available, right? Wrong. According to a recent survey, only 29% of respondents even knew what peer-to-peer lending is.
If you've got questions about peer-to-peer, this is your chance to ask Funding Circle. The first site of its kind in the UK, Funding Circle was launched in August 2010 and has since facilitated over £164 million in loans to SMEs, providing flexible business loans up to £1 million.
We'll be answering questions on the basics, as well as the details: What is peer-to-peer lending? Who is Funding Circle? What types of finance are offered? How does it work? What are the risks?
We'll also look at how you can put together the best possible finance application, and we'll take questions on whether your business or your clients might qualify.
This is a special event webinar ran by Funding Options in conjunction with Funding Circle. The award-winning Funding Options team works with a range of lenders to provide free, no-obligation advice about the best finance for your business.
Bryan Zhang / Insights from the latest Peer-to-Peer Lending ResearchJames by CrowdProcess
Bryan Zhang: Insights from the Latest P2P Lending Research
Keynote address by Bryan Zhang, of University of Cambridge, at LendIt Europe 2014. The title of this presentation is Insights from the Latest P2P Lending Research.
Samir Desai / Funding Circle / Building a Better Financial WorldJames by CrowdProcess
Samir Desai: Global Lessons in Marketplace Lending to Small Businesses
Keynote address by Samir Desai, of Funding Circle, at LendIt Europe 2014. The title of this presentation is Global Lessons in Marketplace Lending to Small Businesses.
This short guide provides you with an introduction to how you can earn attractive returns of between 5-12% pa* by investing in Peer-to-Peer Loans secured against UK income producing Commercial Property.
*After fees, but before bad debts & taxes. Capital at risk
Peer-to-Peer lending: What is Lending Club?David Peat
A presentation given to the Trade and Investment Society on Lending Club, a peer-to-peer lending start-up and currently the largest P2P lending company on the planet.
Detailed overview of OnDeck's IPO including its funding history, business operations, financial performance, public company comparables and relevant industry transactions
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Peer-to-Peer Lending: Examining the Industry and the Borrower ExperienceCorporate Insight
Online peer-to-peer (P2P) lending websites, often referred to as “Shadow Lenders”, have gained significant traction since the credit crunch resulting from the 2008 financial crisis. The purpose of these rapidly-growing websites is to facilitate loans of under $35,000 between borrowers and investors. The result is a transparent loan platform where individual investors can determine a borrower’s credit worthiness and partially or fully fund a loan at an attractive interest rate.
This slide deck offers background on the P2P lending industry and takes a closer look at the borrower experience by profiling two leading firms in the space – Prosper and Lending Club. Five key takeaways and tips for P2P lenders are also highlighted.
Are you baffled by jargon when it comes to investing? At Huddle we want to educate everyone about peer to peer lending, and help you get to grips with the concepts behind crowdfunding so that you can make more informed choices about money matters. Follow our blog at www.huddlecapital.com for more educational content.
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
P2P Investment Returns on Fully Managed AccountsSummer Tucker
P2P lending enables individual investors to access the new asset class of consumer credit by facilitating loans to borrowers through online marketplaces like Lending Club and Prosper. Here is the historical performance.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
ExtraFunds is a proven servicer in the short-term online lending marketplace. ExtraFunds is currently seeking to expand its operations by raising capital via Crowdfunder. For more details about the offering, visit www.crowdfunder.com/extrafunds.
Detailed overview of OnDeck's IPO including its funding history, business operations, financial performance, public company comparables and relevant industry transactions
P2P lending market has a lot of potential for both its lenders and borrowers to prosper in Marketplace run online lending services that can quickly and effectively grow their money.
Peer-to-Peer Lending: Examining the Industry and the Borrower ExperienceCorporate Insight
Online peer-to-peer (P2P) lending websites, often referred to as “Shadow Lenders”, have gained significant traction since the credit crunch resulting from the 2008 financial crisis. The purpose of these rapidly-growing websites is to facilitate loans of under $35,000 between borrowers and investors. The result is a transparent loan platform where individual investors can determine a borrower’s credit worthiness and partially or fully fund a loan at an attractive interest rate.
This slide deck offers background on the P2P lending industry and takes a closer look at the borrower experience by profiling two leading firms in the space – Prosper and Lending Club. Five key takeaways and tips for P2P lenders are also highlighted.
Are you baffled by jargon when it comes to investing? At Huddle we want to educate everyone about peer to peer lending, and help you get to grips with the concepts behind crowdfunding so that you can make more informed choices about money matters. Follow our blog at www.huddlecapital.com for more educational content.
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
P2P Investment Returns on Fully Managed AccountsSummer Tucker
P2P lending enables individual investors to access the new asset class of consumer credit by facilitating loans to borrowers through online marketplaces like Lending Club and Prosper. Here is the historical performance.
P2P Lending for Institutional Investors and Wealth Managers: An OverviewPMIFunds
P2P lending (or peer-to-peer lending) is a fast growing space in which any individual or organization can lend money directly to another individual through an online p2p lending platform such as Prosper or Lending Club. The transparency, ease-of-use, and ability to quickly make a loan request or fund a loan at competitive interest rates make P2P lending attractive for both borrowers and lenders
ExtraFunds is a proven servicer in the short-term online lending marketplace. ExtraFunds is currently seeking to expand its operations by raising capital via Crowdfunder. For more details about the offering, visit www.crowdfunder.com/extrafunds.
Symfonie Lending Fund, LP - November 2014 Monthly Update. Gross yield is 13.3%. Estimated net yield is 9.4%. Default losses continue to be below our expectations.
Explore This Opportunity for Yield and Tax-Free Income. Learn about the Near-Term Tax Free Fund (NEARX), a short-term municipal bond fund from U.S. Global Investors.
Peer to peer lending accounts, managed for clients according to their individual needs. Professional investment management from a team of dedicated credit specialists.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
Wharton FinTech Club hosted a seminar on P2P (peer-to-peer) lending in October '14. Take a look at our key insights and analyses on this fast-growing industry!
What's it like to work with The Independent Financial Group? Founding Principal Jim Lorenzen talks about how IFG may be different from other wealth management advisory firms.
Finance in the South West 2017 - Established (>2 Years) Session PKF Francis Clark
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
Why Commercial Real Estate Debt is the Perfect Partner for Peer-to-Peer (P2P) Lending: P2P Lending has undoubtedly revolutionised the traditional banking and lending industries. The introduction of new technology and the ability to draw and process information quickly has left the traditional finance sector napping.
At Proplend, we continuously apply the latest technologies adopting them alongside traditional lending models to ensure our offering is as efficient, transparent and inclusive as possible.
What is EQUITYMULTIPLE? This presentation touches on what we are, why we are, and how we are different from other real estate "crowdfunding" platforms. For more info, please visit www.equitymultiple.com and/or contact info@equitymultiple.com
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
2. This document provides general and preliminary information about Funding Circle’s (FC) commercial
lending platform and is intended for initial reference purposes only. It is not a summary or a compilation
of all applicable information and is not complete. This document does not constitute an offer to sell or
the solicitation of an offer to buy securities by FC. There shall be no offer or sale of any securities by FC
without the delivery of confidential offering materials (the “Offering Materials”) and related documents.
The information contained herein is qualified by and subject to more detailed information in the Offering
Materials, including the risk factors applicable to an investment in FC or the loan pools.
The materials and information contained and described herein are proprietary of FC and may not be
reproduced or distributed in any fashion without FC’s written consent.
Disclaimer
STRICTLY CONFIDENTIAL
4. Funding Circle by the numbers
• Largest small business P2P lender in the world
• Exclusive focus on small business
• Only international small business P2P lender
STRICTLY CONFIDENTIAL
• $60M in backing from Accel, Index,
Union Square Ventures, and Ribbit Capital
• 160 employees globally
5. Banks have largely pulled out
of <$1m loans to small businesses
1 Source: SBA “Small Business Lending in the United States 2012”, published July 2013
2 SBA annual data is delayed; 2013 data is expected to be available in mid-2014
STRICTLY CONFIDENTIAL
6. We’re solving this problem through a
marketplace-based approach
Institutional and
Individual
Investors
Small
Business
Borrowers
STRICTLY CONFIDENTIAL
7. “The whole process is
efficient, fast and user
friendly – unlike my
experience with the
banks!”
FC Customer
1
“Applying for a Funding
Circle loan is
straightforward and
transparent – just like
the company itself.”
FC Customer
2
“I found the process
quick and easy
compared to banks.“
FC Customer
3
Fast and transparent process
We win borrowers based on experience
STRICTLY CONFIDENTIAL
8. Borrowers get access to fast, fairly-priced finance
At 89%, our borrower
Net Promoter Score is
consistently high,
especially vs. other
lenders
STRICTLY CONFIDENTIAL
FC NPS includes UK borrowers who drew down a loan; n = 160; High St Bank NPS takes all customers of High St Banks
Source: Funding Circle NPS survey 2013; Bain 2012 NPS study
9. Funding Circle originations trebling each year
1 Reflects aggregate origination volume in US and UK. FC USA began originating loans in 2013.
2 Reflects four months in 2010, which represents $9.9M in annualized volume.
Assumes an exchange rate of £1 = $1.5
STRICTLY CONFIDENTIAL
$3
$26
$74
$206
$600
$0
$100
$200
$300
$400
$500
$600
2010 2011 2012 2013 2014E
Loan Originations 1
2
$Millions
$100M
In US
$500M
In UK
10. Our three-stage credit process delivers superior credit performance
STRICTLY CONFIDENTIAL
11. We’re leveraging lessons from the UK
in building out the US
STRICTLY CONFIDENTIAL
0%
1%
2%
3%
4%
5%
6%
7%
8%
0
5
10
15
20
25
30
35
lossrate
months
Loss Rate
Expectation
Jan ‘11 – Jun ‘11
Origination: £4.9m
Weighted Average Age: 33 mos
Weighted Average Time to maturity: 1.1 mos
0%
1%
2%
3%
4%
5%
6%
7%
8%
0
5
10
15
20
25
30
35
lossrate
months
Loss Rate
Expectation
July ‘11 – Dec ‘11
Origination: £12.5m
Weighted Average Age: 27.4 mos
Weighted Average Time to maturity: 6.5 mos
0%
1%
2%
3%
4%
5%
6%
7%
8%
0
5
10
15
20
25
30
35
lossrate
months
Loss Rate
Expectation
Jan ‘12 – Jun ‘12
Origination: £18.1m
Weighted Average Age: 22.4 mos
Weighted Average Time to maturity: 16.2 mos
0%
1%
2%
3%
4%
5%
6%
7%
8%
0
5
10
15
20
25
30
35
lossrate
months
Loss Rate
Expectation
Aug ‘10 – Dec ‘10
Origination: £2.2m
Weighted Average Age: 32.6 mos
Weighted Average Time to maturity: 0 mos
12. Investors have made an average of 6.4% in the UK;
returns expected to be higher at ~10-12% in the US
Note: Average net return shows expected return after fees and bad debt but before tax
In the UK, 100% of investors with a maximum of 1% exposure to any
single business have earned positive returns; 70% earn over 6%
STRICTLY CONFIDENTIAL
13. A range of investment opportunities on US marketplace
STRICTLY CONFIDENTIAL
• Purchase loans directly
• “Pick and choose” loans, take a random distribution, or set auto-
allocation
• Secondary market expected in 2014
• Active in the US and UK
Whole Loan Marketplace
• Open-ended Fund purchases whole loans and fractional interests
• No management or performance fee
• Principal & interest distributions to LPs made monthly
• Purchases loans across all sizes, terms and risk bands
FC Partners Fund I
• To be launched summer 2014
• Purchase fractional interests in loans through online marketplace
• “Pick and choose,” random distribution, or auto-allocation
• Secondary market
Fractional Marketplace
14. Our goal is to become the global equivalent
of a small business bond market
• Access to credit remains a problem for small businesses internationally; they are
underserved by banks in almost every market
• US regional banking market = inefficient and price of credit is high for small
businesses
• Banking system in Europe = broken
• Lending to small businesses in developing markets = low sophistication
• Governments are approaching us asking how Funding Circle can be applied to their
markets
• Institutional liquidity pools will lend across geographies
STRICTLY CONFIDENTIAL
16. Thank you
Sam Hodges
Managing Director
Funding Circle USA
sam.hodges@fundingcircle.com
Funding Circle
1 Union Street, Suite 210
San Francisco, CA 94111
www.fundingcircle.com
Small business expertise,
global opportunity