Two loan offers pay the same interest rate. But one is backed by a financially strong company, while the other is backed by a company quietly struggling financially. The rate is the same—but the risk is not. We asked Loanch. Petar Brkić, Managing Director, explains where to look when you assess a loan originator on […]
Indonesia’s P2P bad-loan ratio crossed OJK’s 5% safety threshold in September while loan growth slowed. Elsewhere, Goparity entered Spanish equity crowdfunding, reward campaigns in Japan and South Korea posted strong results, and Hong Kong police flagged a suspected crowdfunding scam site that used the names of well-known local organizations. Lead Story P2P lending bad loan […]
The SEC’s chairman signaled a review of Regulation Crowdfunding, and the industry answered within days with specific asks on the offering cap, investor limits, and disclosure. StartEngine’s quarter showed why the review matters: its Reg CF revenue fell on lower issuer activity. A €61 million freeze tied to Mintos and a Danish loan study kept […]
US investment crowdfunding totaled $190.5 million in the third quarter, with Reg A taking most of it. Meanwhile, courts and regulators in the UK, Bahrain, and Indonesia spent the week deciding who answers when investor money is lost, and Europe’s P2P investors showed they now check the lender before the yield. Lead Story Investment crowdfunding […]
Key Takeaways “Buyback guaranteed” sounds very reassuring, but many people misunderstand what it really means.For many first-time investors, it sounds like a guarantee of getting your money back. The reality is more complex, and understanding it is one of the most useful things you can do before putting money into any crowdlending platform. What a […]
The Crowdfunding Professional Association released a voluntary reporting standard that gives Reg CF and Reg A platforms a common format for investment, payment, and performance data. Elsewhere, rulebooks sat at four different stages — drafted in Ethiopia, discussed by a US advisory committee, clarified by ESMA, and enforced in China. Funding data showed capital clustering […]
Choosing P2P loans one by one is slow work. You compare lenders, spread money across dozens of loans, and reinvest every repayment by hand. Financial vaults take that job away. You put money in, the platform puts it to work by a fixed set of rules, and you hold a share of the result. The […]
Malaysia put RM270 million of public money behind equity crowdfunding and P2P platforms in its 2027 budget, while regulators in France, the US, and Indonesia dealt with the other side of the story: gaps in investor protection. The market data pointed the same way. Reg CF cooled in September, and Asian P2P lending kept growing […]
A petition to quadruple Reg CF’s fundraising cap dominated the regulatory conversation last week, landing alongside a SEC update to the accredited investor definition and a wave of enforcement action spanning the US and Nigeria. Europe and India’s P2P lending markets sat at different levels of maturity — Europe reporting routine volumes, one of India’s […]
Liquidity was the thread running under last week’s headlines. Crowdcube built the plumbing to let crowd investors actually sell their shares before an exit, and a Reg CF-funded subsidiary is buying its own crowd investors out entirely. Underneath that, new data complicated the US Reg CF growth story: capital is concentrating around a small pool […]
One of equity crowdfunding’s most famous success stories became its starkest cautionary tale last week, as BrewDog’s collapse left roughly 200,000 crowd investors with worthless shares. Elsewhere, donation crowdfunding showed real strain on two different continents, while the Middle East and Africa kept building targeted alternative-finance infrastructure, and the EU’s crowdfunding passport quietly expanded to […]
Key Takeaways The Asset Class Shift Professional Capital Prepares For “Don’t put all your eggs in one basket” is one of the first things every investor learns. In practice, though, most retail portfolios still concentrate around the same handful of asset types: some individual stocks, a core of ETFs, maybe a bond fund for balance. […]
