Our latest thoughts, opinions and guidance in the realms of investment and finance
22nd Mar 2018
GDPR is coming...
On May 25, 2018, a new landmark privacy law called the General Data Protection Regulation (GDPR) takes effect in the European Union (EU).
3rd Jan 2018
Our Investors' Agreement has been updated in line with the revised Markets in Financial Instruments Directive (MiFID II).
13th Dec 2017
MiFID II: What you need to know
MiFID II, coming into place on 3 January 2018, is an updated package of regulatory reforms that will require changes to certain elements of our platform and the data that we hold for investors.
16th Nov 2017
3 key issues facing SMEs as we look to 2018
Small and medium sized businesses have continued to show immense resilience since the financial crisis 10 years ago.
3rd Nov 2017
The UK’s first interest rate rise in 10 years
Yesterday, the Bank of England raised interest rates from 0.25 per cent to 0.5 per cent in the first rate increase since 2007.
1st Nov 2017
MiFID II: A brief introduction for investors
MiFID II - the second iteration of the Markets in Financial Instruments Directive - will be rolled out on 3 January 2018 and will drive some important changes to the UK Bond Network platform.
20th Oct 2017
Preparing for a tube strike: How your SME can continue to thrive
Handling over 5 million passenger journeys per day, the tube is the primary mode of transport for many Londoners as they weave through the city.
5th Oct 2017
Who is the new Small Business Commissioner?
With the Conservative Party Conference dominating the news headlines this week, you might have just missed the announcement of the government’s newly appointed and heavily anticipated Small Business Commissioner.
20th Sep 2017
What to consider when investing in private & public companies
Deciding whether to back a public or a private company often comes down to investor preference.
6th Sep 2017
Banks and Fintechs: friends or foes?
Many see Financial Technology as a challenge to traditional banking. Here we look at how the relationship is developing.
7th Aug 2017
How would you like to pay? A study of fintech over cash
Bright, shiny Fintech: the phenomenon causing wide-eyed optimism and raising suspicion in equal measure among consumers around the world.
7th Jul 2017
Addressing your marketplace digitally
There are now more ways to address your marketplace than ever, with many more ways to glean useful customer insight.
15th Jun 2017
The importance of strong corporate governance in attracting investment
When raising capital, investors will want to know about every facet of your business, but increasingly, they'll want to see evidence of strong corporate governance.
2nd Jun 2017
The funding issue for AIM businesses - and how we help
We are looking to work with small-cap quoted businesses that are seeking up to £4m of tailored and non-dilutive debt finance.
2nd Jun 2017
4 cybersecurity tips for your SME
The recent WannaCry attack on not only the NHS but 230,000 computers in at least 150 countries around the world gave businesses cause to consider and update their cybersecurity strategy. In this post, we offer 4 simple, manageable tips for SMEs to help protect themselves from cyber attacks.
28th Apr 2017
UK Bond Network update | April 2017
Enhanced income investing with the UKBN ISA | Sancus 7% Securitised Loan Notes: £12m raise completed | Marketplace update | UK Bond Network Investor Event 2017
11th Apr 2017
Investing for all: The end of the closed shop
Nowadays, in investment as in life, one size doesn’t fit all. With the internet opening investment avenues for investors of all standings, the onus is on the providers to offer transparency and ensure the appropriateness of their clients.
28th Mar 2017
The Innovative Finance ISA: An introduction
The UK Bond Network Innovative Finance ISA is now available. Find out what the IF ISA is, how it works and what it means for your existing ISA allowance.
10th Mar 2017
Do one thing well
'Do one thing well' is a cardinal rule in the world of business. With technology giving more power to consumers than ever, ensuring that your SME's offering is focused, attractive, consistent and continually improving is vitally important.
23rd Feb 2017
Buying and selling bonds with UK Bond Network
Investors can now buy and sell bonds between each other on the UK Bond Network platform thanks to a significant new update.
31st Jan 2017
New year, new ideas
As we move into the second month of the new year, you may be considering some emerging trends and opportunities to diversify your portfolio and grow your capital.
24th Jan 2017
UK Bond Network receives ISA manager status from HMRC
UK Bond Network has moved a step closer to offering a tax-efficient individual savings account (ISA), having been authorised as an ISA manager by HMRC.
23rd Dec 2016
UK Bond Network update | December 2016
Secondary Market to launch in January 2017 | Scarisbrick Hall & School: Tranche 2 opening soon | Upfront Car Finance plc: Tranche 3 closed | UK Bond Network Investor Event 2017: Express an interest | 2016 in review
12th Dec 2016
The effects of Brexit on the UK's burgeoning FinTech scene
The immediate catastrophe forecast by many experts following the Brexit vote didn't occur, although uncertainty has affected sentiment in the financial services sector, especially for fintech.
28th Nov 2016
The UK opens a new fintech bridge to China
In addition to fintech bridges with regulators in Australia, Singapore and South Korea, the UK Government have now signed a cooperation agreement with China with the aim of sharing information on market trends and regulatory issues.
18th Nov 2016
Mini-bonds vs Corporate Bonds: Balancing Risk with Reward
What are mini-bonds and how do they differ from traditional corporate bonds? This blog posts discusses the structure of the two instruments, why companies would decide to issue one or the other and what investors should look out for.
10th Nov 2016
UK Bond Network update | November 2016
UK Bond Network receives direct FCA authorisation | Upfront Car Finance plc: Tranche 3 now in pre-auction | Progress to Excellence complete £750,000 bond issue | iwoca 9% Bond matured
9th Nov 2016
UK Bond Network receives direct FCA authorisation
We are pleased to announce that we have taken up direct authorisation under the Financial Conduct Authority (FCA) and, in line with this, we have terminated our previous Appointed Representative agreement.
19th Oct 2016
Bidding in ranged auctions
This blog post sheds some light on how we use an auction process to distribute Bonds to investors, in particular where the borrowing business has a funding requirement within a range.
12th Sep 2016
Quantitative Easing: What’s the impact on businesses and bonds?
In an effort to mitigate the impact of Brexit, the Bank of England recently announced a number of measures, carrying huge implications for both businesses and investors.
5th Sep 2016
Micro-investing: Take care of the pennies and the pounds will take care of themselves
With the BoE's recent interest rate cuts, it has become particularly difficult for seasoned investors to grow their money, but even more so for individual savers. Now, new 'micro-investing' platforms are opening investment up for people from any financial situation.
23rd Aug 2016
Top 10 people to follow for SME finance advice
Our pick of the top 10 people to follow on Twitter for SME finance advice, from online networks to politicians, to help you stay abreast of all of your funding options and guide you to choosing the right one for you.
15th Aug 2016
6 Steps to Scaling Up
While there is no fail-safe formula for securing 20 percent growth per year, following these 6 steps will help you to put your best foot forward and ensure you’re well positioned for growth.
1st Aug 2016
UK Bond Network update | August 2016
Integritie 14% Bond: Successful early exit | Scarisbrick Hall 8.75% Bond: 202% funded | New bond now in pre-auction | Press round-up - July
29th Jul 2016
The Seven Deadly Sins of Investing
Investing is undoubtedly an emotional game. It’s your money, which you’ve worked hard for after all. If only there was a formula for successful investing, how much easier and more lucrative investors’ lives would be. While such a formula will never exist, there are some extremities of emotion which investors would do well to avoid. Below we take a look at the ‘seven deadly sins of investing’, to help you keep you out of investment hell.
18th Jul 2016
What's the state of play for SMEs and investors in post-Brexit Britain?
Britain's departure from the EU has left the nation in a state of flux. While the political and economic landscapes in the UK remain changeable, we take a look at the current state of play for SMEs and investors.
27th Jun 2016
Find a unicorn or back a tech thoroughbred?
A unicorn: a mythical creature, or a tech company valued at over $1billion. Whilst finding either is challenging, it’s unsurprising that investors are clamouring to invest their money seeking the latter. But to get the best returns, hunting the next big thing might not necessarily be the best option.
9th Jun 2016
New website: Key functionality guide
We're pleased to announce the launch of our new, redesigned website. This short guide provides details of some of the key changes within the portal for investors.
7th Jun 2016
Greater transparency equates to better funding options for SMEs
Last month, the Competition and Markets Authority (CMA) put forward a vast range of proposals designed to revolutionise the retail banking sector, aiming to increase transparency and choice for SMEs in their search for finance.
31st May 2016
IFISA update: A few steps closer but still not quite there
Just over one month on from the IFISA’s launch, we take stock of the shifts in the P2P landscape and assess their potential impact on the IFISA’s take-up and success.
17th May 2016
Face to face with David von Dadelszen, Director & Head of Operations
In this week's blog, we talk to David von Dadelszen, UKBN Director & Head of Operations about global trends, life in the UKBN office, and what businesses can do to prepare themselves for seeking finance.
4th May 2016
Delving into demographic change: What will this mean for investors?
The demographic make-up of the UK is changing, and at an unprecedented rate. According to the Office of National Statistics (ONS), the working age population will increase by almost 8 per cent over the next two decades, from 41 million in 2017 to 44.2 million in 2037.
25th Apr 2016
What does the National Living Wage mean for SMEs?
The new National Living Wage (NLW) came into force on 1st April. Employers now have to pay all employees aged 25 and over a minimum of £7.20 per hour, almost an 11% increase on the previous minimum hourly rate for this age group.
14th Apr 2016
From manufacturing to MSBs – more needs to be done to support Welsh business
The future of Welsh manufacturing has been heavily discussed over past few weeks following the announcement that Tata Steel is looking to sell its UK based plants. The steel giant has reported losses across the UK, and while a new buyer is being touted, the future of the business and wider industry is unclear.
1st Apr 2016
Why you need to work to build your money’s muscle
Since 2009, conditions for UK investors have been far from ideal. With interest rates steadfastly set at 0.5%, many are questioning how they can make their money work harder to generate more than meagre returns. We discuss four options, and how they compare in terms of investor returns.
29th Mar 2016
Ensuring no region is left behind
Medium-sized businesses (MSBs) are more starved of finance than any other segment of the economy, despite being a segment which delivers a significant proportion of UK GDP.
22nd Mar 2016
North meets South, and the Forgotten Middle
As we’ve previously discussed, Mid-Sized Businesses (MSBs) are crucial to the UK economy. In fact, the mid-market is set to be the UK’s fastest growing segment by 2020.
15th Mar 2016
The IFISA and the race for authorisation
The peer-to-peer (P2P) lending sector has been awaiting the new ISA season with bated breath. In last summer’s budget, George Osborne announced that P2P investments are to become ISA eligible, representing a huge boon for new and existing investors alike.
11th Mar 2016
All eyes on Osborne as he eyes the throne
Chancellor George Osborne is due to deliver his next set-piece fiscal policy review on Wednesday, in the form of his first regular Budget under the majority Conservative government. With the EU Referendum only 3 months away and a leadership contest which is likely to follow shortly after, a all eyes are on the Chancellor this week.
29th Feb 2016
Why credibility is key in the sharing economy
As the sharing economy continues to see substantial growth, PwC value the global sector at $15bn, with the potential to be worth $335bn by 2025. Paramount to this growth is the credibility of its participants, so how can trust be maintained and even improved?
22nd Feb 2016
UK Fintech Week (22-26 Feb) – As it happens
The rise of fintech is particularly visible in the UK, which received over 10% of global fintech investment between 2010 and 2015. During Fintech Week, we will be monitoring discussions and updating this blog post to share our reactions.
15th Feb 2016
The importance of regulation for the future of peer-to-peer
Last year alone saw the total amount lent to businesses through P2P lending exceed £2 billion. Reports of misconduct jeopardise however this growth, and consequently the growth of the small and medium sized businesses that are accessing critical funds through P2P platforms.
8th Feb 2016
Transparency and honesty: The keys to unlocking the value of Generation Y
The Millennials, also known as Generation Y, are coming of age. What can companies do to better appeal to this increasingly valuable segment?
1st Feb 2016
Brexit: the Economic Considerations
Since the Conservative victory in the May 2015 general election, the promised referendum on the UK’s European Union membership has remained a highly debated topic.
25th Jan 2016
Spotlight on Edinburgh
Today, Edinburgh remains the UK’s largest financial centre, with the strongest economy, of any city outside of London. As Scots at home and around the world celebrate Burns night this week, we take a look at the commercial successes of the Scottish capital.
18th Jan 2016
Q&A with Christopher Maule
UK Bond Network CEO, Christopher Maule, discusses the most pressing challenges currently facing SMEs, the future for UKBN and the proudest moment of his career so far.
8th Jan 2016
Firing up the Midlands Engine
The government recently announced a £5m funding package to promote the region as a destination for inward investment, and persuade outsiders to establish their businesses there. Whilst this is a positive move, what can be achieved with such a small budget is questionable.
6th Jan 2016
UK Bond Network update | January 2016
Welcoming Ben Bugg to UK Bond Network | Upcoming convertible bond | Press round-up - November & December.
5th Jan 2016
Why uncertainty shouldn’t temper confidence in 2016
Less than one week in and 2016 has already seen its fair share of economic turbulence; but businesses should look to continue to grow with confidence.
21st Dec 2015
What investors should expect in 2016
Our CEO, Chris Maule, explores what 2016 has in store for investors, from the European Referendum to the ramp-up of regulation in the peer-to-peer lending sector.
14th Dec 2015
The Current State of the High-Yield Bond Market
Analysis of the state of the high-yield bond market, the causes, and the alternatives.
7th Dec 2015
Spotlight on the South West: The case for supporting Medium-Sized Businesses
Thinking of “The South”, London and the South East are usually front of mind, particularly for residents of the capital and its surrounding areas. From an economic standpoint, indeed, the capital does lead the way, but what about the rest of Southern England?
27th Nov 2015
UK Bond Network Update | November 2015
Auction Success | Bonds to be included in the IFISA | Best Bond Issuing Platform 2015 | Press round-up - October.
27th Nov 2015
Storms ahead for the Fair Weather Chancellor
Osborne has placed an outstanding deal of trust in Office for Budget Responsibility (OBR)’s forecasts. In particular, that lower borrowing costs are expected, and UK GDP will continue to grow at an impressive rate. But in uncertain economic times for the global economy, storms may lie ahead.
23rd Nov 2015
Why diligence is due
While some peer-to-peer investors are relatively sophisticated, others will be less so, attracted more by the media frenzy surrounding P2P rather than a thorough assessment of whether it really presents the best investment choice for them.
16th Nov 2015
Being disrupted isn’t just a challenge for the banks
In the ever-evolving world of finance, disruption is a challenge for fintech itself and one which we must learn to harness.
9th Nov 2015
Part 2 of 2: What will help the Northern Powerhouse to fire on all cylinders?
While last week’s blog explored evidence of the “powerhouse” scheme’s success, the second half of 2015 has been characterised by a growing sense of impatience and disillusionment with Osborne’s pet project.
30th Oct 2015
Part 1 of 2: Is the Northern Powerhouse firing on all cylinders?
George Osborne used his first speech as chancellor of the new majority government to announce plans to transform the North of England into an economic "powerhouse" with an investment of up to £15 billion. Since then, the “northern powerhouse” has become central to Osborne’s economic vision and personal political reputation, but over a year on, is it really delivering on the hype?
23rd Oct 2015
Using alternative finance to bridge the North/South funding divide
A report published this month by the cross-party think tank Demos has found that a major regional imbalance exist between the number of SMEs in the North and South of England successfully applying for finance - with rejection rates unsurprisingly highest in some of the most deprived areas.
15th Oct 2015
The Wisdom of Crowds: Heeding the herd can aid investors
There are proven benefits of crowd, or herd, mentality when it comes to decision making. For alternative finance investors, the auction process can provide a valuable tool in assessing the value of a share or bond.
12th Oct 2015
The Impact of Market Turbulence on Small Cap Funding
After a period of stability in the global financial markets, the last few months have been somewhat unsettled; but how does this affect the UK's small cap companies?
2nd Oct 2015
Wealth Management and the Fintech Revolution
Fintech has become a significant and disruptive force in the financial services sector. While technological competition for non-mortgage retail lending looks particularly fierce, perhaps the most disputed area for fintech’s infiltration is wealth management.
28th Sep 2015
Does Corbyn mean business?
While Labour ideology naturally aligns Jeremy Corbyn with small business, the prevailing positive sentiment among the public towards SMEs makes Corbyn’s decision to champion this group an even savvier one.
21st Sep 2015
Meet the new London HNW investor tribes
The ranks of affluent individuals interested in growing their wealth are becoming increasingly diverse and we’re seeing the emergence of distinctive sub-cultures, each with particular attributes and attitudes to investment.
15th Sep 2015
UK Bond Network update | September 2015
Welcoming Rick Dodds to UK Bond Network | Press round-up - August | We're making the UK Bond Network website better.
14th Sep 2015
The Benefits of Tranched Finance
One of the major points of difference between alternative finance and traditional bank lending is the flexibility it offers. For example, the ability to raise a larger amount of finance in a series of tranches is a much more digestible approach for a growing business.
7th Sep 2015
The Many Shades of Alternative Finance
Alternative Finance, once a market segment of its own, is continuously broadening and blurring the lines between what is 'alternative' and what is mainstream.
28th Aug 2015
Funding the Marketplace Economy
In light of our successful completion the first peer-to-peer platform-to-platform debt transaction, we take a look at the wider alternative finance space and its exponential growth.
24th Aug 2015
Top Tips for Seeking Alternative Finance
Prime Minister David Cameron has described entrepreneurs and small businesses as ‘the lifeblood of our economy’. Read our top tips on sourcing alternative finance for your SME.
17th Aug 2015
Small cap stocks vs small cap bonds
Deciding on the right mix between stocks and bonds in your portfolio depends on your view of the macroeconomic outlook.
7th Aug 2015
Could alternative finance fund the British Mittelstand?
A lot has been made of British mid-market growth of over recent years – and rightly so. Not long ago we looked to Germany’s productive ‘Mittlestand’ and saw an ambitious target. Now we are reaching a point when the British mid-market is overtaking its European peer – in size and contribution to the economy.
31st Jul 2015
UK SME bonds offer a compelling alternative to Eurozone debt
The crisis unfolding in Greece has caused investors to rethink investing in Eurozone debt – and with good reason.
21st Jul 2015
Business Update | July 2015
UK Bond Network secures a new strategic shareholder | The UK Bond Network website is now mobile- and tablet-friendly | Press round-up - June
20th Jul 2015
Marketplace borrowing: Striking a balance between institutional and retail investment
In the last year, the p2p industry has provided over £2bn of funding to SMEs and has moved towards shedding its ‘alternative’ name to become a genuine part of the ecosystem for small- and medium-sized businesses who are seeking finance.
16th Jul 2015
Investor update | July 2015
Transaction Pipeline update | The UK Bond Network website is now mobile- and tablet-friendly | UK Bond Network secures £500k of new investment | Press round-up - June.
16th Jul 2015
'Innovative Finance ISA' announced in the Summer Budget
In George Osborne's Summer Budget, the Chancellor announced the long-awaited inclusion of peer-to-peer investments into a new, separate ISA, dubbed the Innovative Finance ISA.
16th Jun 2015
Pooled accounts and Ponzi schemes - the risk of client money
When any investor, individual or institutional, lodges funds with a given counterparty a key question is how well protected these funds are.
8th Jun 2015
UK Bond Network update | June 2015
The results: What is important to you when investing? | Refer a friend and earn an extra 1% | Press round-up - May.
4th Jun 2015
EU uncertainty to ensure low rates persist
We have passed the hurdle of the general election, and the next big challenge facing the UK is likely to be the EU referendum, due now in 2017.
26th May 2015
The SME wish list for the new Government
The recent election marks an exciting new era for small businesses. However, there are 4 key challenges that need to be addressed in order to elevate our SME sector to 'Mittelstand' status and drive the economy forward.
19th May 2015
The biblical importance of legal covenants for fixed income investors
Legal covenants are of vital importance to investors when investing in debt of any kind – be it personal loans, business loans, minibonds, corporate bonds or indeed government bonds.
11th May 2015
UK Bond Network update | May 2015
Take our Investor Survey | UK Bond Network investors support growth in Manchester | Welcoming Inna Chigareva, Team Assistant | Press round-up | April.
21st Apr 2015
The Talent Challenge
Having the right people in your organisation is crucial to success, but with labour costs making up almost 75% of the total expenses for the average SME in the UK, attracting and retaining talent is one of their biggest and most expensive challenges.
14th Apr 2015
HMRC introduces bad debt relief for peer-to-peer investors
In the 2014 Autumn Statement, the Chancellor introduced a new bad debt relief reform for individuals lending through peer-to-peer platforms, which aims to boost alternative finance providers’ growth even further.
10th Apr 2015
Business Update | April 2015
Funding raised: Feedback from Gary Pinchen, CEO of CIP Recruitment | Underwriting | Press round-up - March.
1st Apr 2015
UK Bond Network update | April 2015
CIP Recruitment auction successfully closes | First bond repaid | Our next issue | Press round-up | March.
5th Mar 2015
Survey: Attitudes to alternative finance among British SMEs
This survey completed by UK Bond Network offers insight into the attitudes of over 250 UK SMEs towards peer-to-peer lending and crowdfunding.
12th Feb 2015
FCA Reviews Peer-to-Peer Regulation
Savers continue to gravitate toward alternative forms of finance in search of higher interest rates, but the risks involved aren't always amply conveyed, the Financial Conduct Authority suggests.
12th Feb 2015
UK Bond Network update | February 2015
All bond issues now SIPPable | Welcoming Emma Hathaway, Lending Executive.
20th Jan 2015
Invest in UKBN issues through a SIPP
Recently, an increasing number of our investors have approach us about lending through SIPPs, so to accommodate this interest, we are very pleased to announce our new partnership with SIPPclub.
9th Dec 2014
UK Bond Network update | December 2014
Retrieve your account statement | Upcoming auctions | More from the UK Bond Network blog.
9th Dec 2014
Autumn Statement 2014: The key announcements for UKBN investors
Last week, the Chancellor's Autumn Statement contained a number of positive developments for the Alternative Finance sector.
1st Dec 2014
Interest-only and amortising bonds: What are the differences?
Despite an identical internal rate of return (IRR), the amount of gross interest paid over the life of an interest-only and an amortising bond is vastly different, with a number of implications for investors.
13th Oct 2014
How can I improve my bid?
As our current auction is now approaching its funding requirement, we have produced this additional blog post to provide some more detail to investors around improving bids.
28th Aug 2014
UK Bond Network update | August 2014
Upcoming auction | Underwriting | Secondary market & other developments.
13th Aug 2014
SMEs rejected by banks to be matched with alternative lenders
George Osborne has unveiled plans which would force big banks to refer their rejected SMEs to alternative providers.
9th Jun 2014
From Start-Up to Multi-Millions [Infographic]
From start-up to achieving multi-million pound turnovers, this infographic shows the trajectories of some of the UK’s most successful young companies.
4th Jun 2014
Our Transaction Pipeline [Infographic]
This new infographic provides details of our significant potential transaction pipeline of over 40 companies.
4th Jun 2014
UK Bond Network update | 4th June
New auction now live | Upcoming transaction | Infographic: Our Transaction Pipeline.
1st May 2014
UK Bond Network update | 1st May
Leading UK peer-to-peer lender shows interest in UKBN offering | Welcome to Simon Eagles | Deal flow | Seeking £0.5m to £4m of flexible finance?
30th Apr 2014
UK Bond Network appoints Simon Eagles as Head of Lending
UK Bond Network (“UKBN”), the UK’s first peer-to-peer bond and loan platform, today announces that is has appointed Simon Eagles to the role of Head of Lending.
26th Mar 2014
Comment: Chancellor announces inclusion of peer-to-peer lending in New ISA
In his autumn statement, George Osbourne announced the introduction of the New ISA, or NISA, which will allow savers to put almost three times more into a cash ISA than is currently possible.
18th Mar 2014
UK Bond Network update | 18th March
Latest offering closes with investments totalling £1,421,000 | Plans for secondary market and other platform developments | FCA announces proposed regulatory approach to peer-to-peer lending | Seeking £0.5m to £4m of finance?
18th Mar 2014
Comment: FCA announces regulatory approach to peer-to-peer lending
Following their consultation paper published in October 2013, the FCA released a policy statement last week detailing their proposed regulatory approach to crowdfunding and peer-to-peer lending.
11th Feb 2014
New offering to go live tomorrow morning
UK Bond Network has a new offering for investors ready to go live at 8am on 12th February.