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Capital Match
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Capital Match - SME Loans - Peer-to-Peer Lending
Capital Match - SME Loans - Peer-to-Peer Lending

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From Stuart Law at FT Advisor:

“The Peer to Peer (P2P) lending market has risen from zero, around 10 years ago, to an outstanding investment level of more than £8.7bn of loans in the UK alone. Investors of all shapes and sizes are continuing to flock to the market, attracted by the prospect of a fair, risk-adjusted return on their capital and to beat the low rates offered from traditional sources. In fact, you’ll find what differentiates the various players in the market is how they deal with loan security. There are two key aspects to be examined in detail: 1) Pre-approval of loan: The checks put in place to ensure that high-quality loans are approved, where the loan can be afforded by the borrower but still recoverable in case one day it is not. 2) Post-approval of loan: The measures put in place to deal with loans defaulting and the recovery of capital in that situation. ”

In the emerging market of peer-to-peer lending, it’s essential to present a security of funds and return for players in this market to attract investment. Investors concern more of their risk-adjusted return from an essential mean-variance analysis. Instead of focusing on promoting fancy and attractive conceptual terms, P2P lending providers need to show their effort in managing the risk exposure as for investors’ unit return of investment, as well as great management for dealing with repayments of loan. Capital Match is the largest player in Singapore the P2P Lending market with over $40 million origination, and it’s continuously offering investment invoice financing/PO financing options of good quality to help its investors have healthy growth of their portfolio.
http://knowledge.capital-match.com/why-security-is-king-in-p2p-lending/
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From James Mackonochie at OFF3R Ltd:

“Peer to peer lending levels continue to rise in the UK. The first half of 2017 has an increase of over £350 million from the previous half year period at the end of 2016.The news is positive for the P2P Lending sector that is benefitting from the low interest rate environment the economy is currently in. As with equity crowdfunding, it will be very interesting to see how the P2P lending sector performs in the second half of 2017. ”

Peer to peer lending is fast growing in UK and other western areas. The similar trend is to be observed in Asia as well. Singapore, the Fintech Hub in Asia, has a large market of P2P lending especially in SME financing sector. A billion-sized market is helping SMEs obtain better working capital solutions. The range of products offered by P2P lending contains invoice financing, PO financing and a lot of new things are coming soon in the market.
http://knowledge.capital-match.com/the-growing-alternative-finance-industry/
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From Megan Totka at Small Business Trends:

“Nearly every business that exists shares a common goal: to make more money and find financial success. You have to constantly focus on cash flow management, profitability and increase the value of your business if you want to prosper. Invoice factoring companies let you turn current, unpaid invoices, into cash without adding new debt. Free up your cash to help you meet payroll, add new products and services to your offerings and extend the geographical reach of your business. Factoring companies allow you to transform your business cash flow and will give you the access to the funds you need without worrying about invoices staying open as long as 120 days. Instead of sitting and waiting for payment, you can proceed with new work, pay employees, or buy needed supplies. Check the online Factoring Directory to help you find the best factoring that aligns with your business needs.”

SMEs need to take steps on improving cash flow management to free up the needs for working capital. Besides getting early settlements on payment and improving marketing, modern invoice financing is a great tool supporting SMEs to have steady cash flow for the operation. Supported by current fintech era, P2P lending in Invoice Financing is changing the way people invest and how SMEs are getting loan. In Singapore, the biggest lending platform Capital Match is providing efficient and reliable source of alternative funding for SMEs.


http://knowledge.capital-match.com/3-ways-to-free-up-cash-and-grow-your-business/
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From Max Bronstein at Nasdaq:

“In a world where growth moves faster than payments, many small businesses struggle to pay off their urgent capital expenditures. Companies of all sizes have short-term costs that are integral to their operations: Office rent, short-term investments and employee salaries are all generally paid on a weekly or monthly basis, while accounts receivables can remain unpaid for 90 to 120 days. Blockchains are great for tokenizing financial assets and enforcing complex changes in ownership. Given the vast number of intermediaries necessary to manually assess the risk of each invoice, factoring can be made much more efficient and equitable by decentralizing the verification and payment functions.”

The cutting technology is driving the current market of P2P lending as well as Invoice Factoring. In Asia’s Fintech hub Singapore, market players are investing in these technology development to help SME’s financing in a more innovative and efficient way. Thanks to the support and investment from government, it is foreseeable that in the near future the technology will change the way of banking.
http://knowledge.capital-match.com/a-blockchain-based-solution-to-liquidity-needs/
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From Marketing Interactive:

“Throughout the history of banking, financial institutions have been the centre of all transactions for consumers and businesses. Large institutions held control of the industry.In the last ten years, the fundamental assumption that financial institutions are the only avenue to financial transactions is being called to question, especially by Millennials, who are by far the most entrepreneurial generation. This creates opportunities for peer to peer (P2P) lending marketplaces such as Prosper and Lending Club, platforms which create alternative ways to access cash loans while providing alternative yields on deposits. ”

Newly introduced peer-to-peer lending platforms are now an alternative source of yielding higher return with controlled risk compared with traditional banking. The banking system is now changed to a new ways where multiple players (e.g. Fintech) are filling gaps from traditional banking. In Singapore, the SME invoice financing sector is now moved to alternative lending side with big players such as Capital Match which provides professional services in credit assessment and factoring.
http://knowledge.capital-match.com/the-future-of-millennial-banking/
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Post by Steve Cocheo in Banking Exchange:

“Clients increasingly want the same convenience from their local providers that they can obtain from such players. Kabbage, for example, promises up to $150,000 in business credit in ten minutes. The bank hasn’t been able to measure the local impact of marketplace lender competition, but clearly customers want an experience like that offered by such players.”

New Technologies are changing the traditional loan system, new ways of credit assessment and funding source make this process faster and cheaper. High-efficient technology advancement helps the loan in SME sector as well. In Singapore, Fintech player Capital Match is offering convenient invoice financing option for SMEs to ease their financing option with advanced credit assessment, at the same time protecting investors with higher return from managed risk.
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P2P or Peer to Peer lending platforms are known to act as an intermediate between lenders and borrowers and they would be charging a fee for their service. Comparing to traditional banking system, P2P lending provides quick, safe and convenient ways of investing in the new era. This article listed a few points for all potential investors (both individual & institutional) to adopt right strategy to secure the portfolio and at the same time earn some considerable returns. Singapore is a technology focusing place with huge potential in the peer to peer lending which supports SMEs in obtaining alternative financing. Capital Match offers the great opportunity for investors to try out new Fintech approach in investment, with safe process of credit risk assessment and fund management.
http://knowledge.capital-match.com/how-to-save-your-cash-and-make-some-more-using-p2p-lending/
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Traditional lenders, i.e. banks, usually find it difficult to match the agility and granular understanding that P2P Lending players have. Banks’ credit evaluation and origination platforms are often industrial-age processes with a large quantum of human intervention. The operational and statistical models are based on predictability of borrowers’ behaviors across a large enough population set. While most practitioners in consumer and business lending in banks fully appreciate the rapidity with which change is happening, legacy investments in technology and the historical “bank-hall” mindset make transformation a challenge. New models & methods based on the new technology solution – Machine Learning will help the lenders better assess the Credit Risk assessment, which can provide more accurate information and hence protect the investors’ interest. The emerging knowledge will boost the P2P lenders to be capable of offering better service where banks are not offering.
http://knowledge.capital-match.com/machine-learning-is-transforming-lending/
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Based on data from The World Bank, more than 200 million micro, small and medium-sized enterprises (MSMEs) in emerging economies lack adequate financing, due to lack of collateral, credit history and business informality. Until recently, alternative finance platforms have witnessed staggering success and even reached a stage of maturity in the Western markets, particularly in the U.K and U.S. In recent times even the East has also joined the ranks and given the alternative finance industry a major boost. Countries such as China, Singapore, Hong Kong, and most recently Indonesia, Malaysia, the Philippines, and India have displayed a tremendously positive response to several platforms providing alternative forms of finance to enterprises and individuals. The collaborative approach with banks towards alternative finance will then continue to pick up pace, enabling banks to expand their services to a larger client segment. As the largest player in the Singapore P2P Market, Capital Match aims to provide the fastest and the most convenient way for SMEs to get financing options.
http://knowledge.capital-match.com/how-asia-is-adapting-to-the-alternative-finance-revolution/
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Peer-to-peer (P2P) lending represents a growing market that has gained traction with investors. P2P platforms create a market place for investors to lend money directly to borrowers. In return, investors receive an attractive yield - provided the borrower does not default.

This article lists 5 reasons to consider P2P lending. Firstly, traditional saving accounts offer low interest rates, causing the value of money to be easily eroded by inflation. Secondly, P2P generally offers attractive returns that beat inflation. Thirdly, P2P provides investors with the opportunity to diversify their investments. Fourthly, P2P platforms are becoming increasingly accessible to investors. Lastly, P2P helps support the economy by providing startups and SMEs with adequate working capital to grow their businesses.

http://knowledge.capital-match.com/five-reasons-to-consider-peer-to-peer-lending/
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