A First Look at Huddle Capital

Huddle Capital first popped onto my radar at the end of March with this post by Cooling_Dude on the P2P Independent Forum. They were offering a special promotional deal for the first 100 investors, which on first glance appeared too good to be true: 20% cashback on investments for the first 100 investors. However, when you think about it, say an average of £1,500 invested for the first 100 people comes out to £30,000 total spend in cashback, not that bad for a marketing spend to launch your new platform and iron out the problems. Read more “A First Look at Huddle Capital” →

ArchOver Review

ArchOver is a peer to peer business lender that specialises in business loans secured against Accounts Receivables (‘Secured & Insured’) or contracted recurring revenue (‘Secured & Assigned’). Since ArchOver launched in 2014 they’ve funded nearly £50 million in loans. They state an enviable track record of no Borrower missed payments or reporting defaults, whilst offering interest rates of 6% to 9% p.a. to their Lenders. Read more “ArchOver Review” →

Flender Review

Flender is a new UK/Irish peer to peer lending platform with a social slant. For a business or consumer to borrow on Flender they first have to successfully raise funds from their friends or customers before opening up the opportunity to the wider public. Flender hopes this will help to reduce defaults, and do it in addition to standard checks run by other P2P lending sites. Current lending opportunities offer interest between 8% and 11%, though borrowers can set their rate as they like. Flender makes its money from a 2.5-4% margin on consumer borrowers or a 3.5% fee to businesses after a successful funding raise; there are no fees for lenders. Read more “Flender Review” →

Property Crowd Review

Property Crowd is an ISA-friendly real estate crowdfunding platform that offers investors a chance to invest in “institutional grade” property deals from £5,000. They’ve been around since 2014, but relaunched with ambitious plans as part of Global Alternatives at the start of 2017. Those ambitious plans (a ‘cross-border property trading exchange’) were what first piqued my interest in Property Crowd, and I set up a call with one of their co-founders Charles Tan to understand more. Read more “Property Crowd Review” →

Property Partner Review

Property Partner is the UK’s largest Property Crowdfunding Platform with over £50 million invested to date (versus ~£10 million Property Moose or ~£43 million on The House Crowd). I’ve been investing with them since July 2016: so perfect timing to report on performance amidst the post-Brexit property gloom. I’ve also used The House Crowd and Property Moose, so this review is based on my experience in relation to the others too.

Property Crowdfunding platforms allow investors to buy shares in property investments and benefit from ongoing rental income and house price increases. Properties are held within an SPV (Special Purpose Vehicle) which is a specially created UK LTD company to hold the asset. Read more “Property Partner Review” →

Abundance Investment ISA Q&A

Abundance Investment are one of the first established P2P platforms to offer a fully functioning IF ISA. They focus on renewable energy projects like wind turbines or solar farms. Looking down a list of their completed investments, they generally target between 5% and 12%. Read more “Abundance Investment ISA Q&A” →