Investors

on the rebuildingsociety.com blog

Our Investors blog category covers all the latest news, reviews and opinions related to the investors community.

01st Sep, 2017

Changes to the Marketplace

Here at rebuildingsociety.com, we’ve been working hard to bring you a range of good quality borrowing applications for you to consider.

We are constantly reviewing and improving our processes to ensure that we both maintain and improve the variety of lending opportunities we can present to you.

We have recently changed the way our application process works, and this blog post is intended to notify lenders of our most recent change, along with how the change will affect the listing information presented for your consideration.
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01st Sep, 2017

Information is King

Communication-Networks-How-is-Information-Transmitted_referenceWhen we review applications from businesses we collect a large amount of information about the business, their directors and their performance. We try and make most of this information available to you so that you have as much information as possible to make a lending decision. Some information cannot be made available on the platform as it may contain sensitive personal information about the director.
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28th Jul, 2017

Defaults and Bad Debts

Save money and finance for banking conceptAs a lender on rebuildingsociety.com, you are lending to UK-based small- and medium-sized businesses. SMEs are vulnerable to many influences that can put a strain on their business and affect their ability to meet financial obligations, such as repaying a loan.

No matter how seasoned an investor you are or what your level of professional experience is, you are likely to incur a default within your portfolio at some point in time. If you are new to P2P lending, your first default is likely to come as a shock, and may tarnish your impression of P2P lending. However, you shouldn’t panic, as defaults are not unexpected and can be managed.

We’ve put together this blog to help you understand more about what a default is, why it may occur, how you can manage your risks, and how we work to protect you so that when a default does occur, you know what to expect.
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06th Jul, 2017

Voluntary Arrangements

rebsoc-footerAs part of our service to our lenders, we undertake recovery action and legal enforcement on defaulted loan accounts. This is done on your behalf with the intention of recovering your invested funds. At certain times during this recovery process, we endeavour to give lenders a role to shape our recovery action and have their say in the acceptance or rejection of any repayment offers we may receive.

Such occasions include the submission of an Individual Voluntary Arrangement (IVA) or Company Voluntary Arrangement (CVA). This blog post will look a little closer at both instruments and discuss what lenders may want to look for in assessing whether those arrangements may be in their interests.
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30th Jun, 2017

10 Tips on the Best Ways to Invest on P2P Lending Platforms

Having operated a P2P lending platform for over five years, we’ve seen many investment strategies and styles and would like to share some of these with you. However, firstly you should acknowledge that every investor’s risk appetite is different. As with any investment, it’s important that you consider the risks and your personal circumstances before making any investment. The following tips are intended to educate and provide non-personalised guidance to assist.
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31st May, 2017

Make P2P Lending Work For You

Apply-for-a-loanWhether you are new to peer-to-business lending or are a seasoned professional, you should regularly consider whether your lending strategy is working for you. We’ve put together a short list of things you should consider as a peer to business lender not only on rebuidlingsociety.com, but across other platforms too?
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27th Feb, 2017

Full FCA Authorisation

rebuildingsociety.com has been awarded full authorisation from the Financial Conduct Authority in recognition of our compliance with sector-specific regulations.

We are very excited to share news of this major achievement and important milestone with our community. Authorisation means that we meet the rigorous standards set by the FCA and that we can soon start to offer the Innovative Finance ISA.

Financial Conduct Authority

 

 

Although we have been operating under FCA rules on Interim Permission since April 2014, being granted full authorisation helps us to continue building on the important relationships of trust we have with all our clients. We are proud to have achieved this milestone ahead of many other platforms, which we believe is testament to our small but dynamic team, systems, processes and controls.

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12th Jan, 2017

FinTech North 2017

Following the success of the inaugural event in 2016, FinTech North 2017 is once again set to take place during Leeds Digital Festival week and aims to attract 350 delegates and support from the FinTech community in the Leeds City Region, across the UK, and internationally.

FinTech North 2017 will be hosted on the 26th April 2017 at aql in Leeds. The goal of the event is to generate collaboration and knowledge share within the financial services and technology community and to generate tangible economic benefits for the region.
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14th Nov, 2016

Introduce us and be Rewarded!

Our lender base is made up of a wide variety of savvy and well connected individuals, many of which are greatly involved with local entrepreneurs and businesses. Growing businesses need access to capital and we’re here to help.

We’d like to reward our members for referring businesses who are looking for additional finance.


If you refer a business to us that successfully raises finance through rebuildingsociety.com, we’ll reward you with a referral fee of 1% of the amount raised. All you have to do is send them our way and ask them to mention you at the point of application or first contact.

We’re looking for businesses that you love and support, that:

  • Have been trading for at least 2 years as a Ltd company or LLP; and
  • Have an average turnover of £50,000 a quarter

To find out more about our lending criteria, please visit How to Borrow

To refer businesses applicants to us, send them the link http://reb.so/apply.

Terms of Referral

* The loan must be fully funded by 31st Dec 2016
* You should not be a shareholder or director of the referred applicant
* You may not act as a broker on behalf of the applicant
* You must be registered lender of rebuildingsociety.com


11th Nov, 2016

The Return of an International Sweet Treat

In 2014, Candy Hero Ltd. came to rebuildingsociety.com looking for an influx of funds in order to expand. They planned to use the investment to boost wholesale sales, strengthen equity and then open a new UK store in time to maximise Christmas time sales.

Candy Hero Ltd. was founded in December 2008, by two entrepreneurial siblings with a mission to bring unique, specialist and delicious sweets from all over the world to sweet-toothed customers in the UK and Europe.

The online shop was launched in 2009, to be followed later by high street shops in York and Leeds. Visit one of their shops, and prepare to be tempted by Birthday Cake Golden Oreos, exploding cinnamon candy, Nerds, giant lollipops, wasabi candy and boxes of Jelly Belly Buttered Popcorn Jelly Beans, to name just a few from the vast collection. The 10,000 square foot warehouse in Bradford sees around 4,000 unique product lines carefully handled by employees individually chosen to fit the company’s high energy, innovative ethos.


The sweet importers and retailers’ first loan application was a great success; brothers and co-owners Frank and Leo managed to raise the target £50,000 from investors. Candy Hero Ltd. invested the money they raised into the wholesale distribution of imported sweets, snacks, and groceries. They decided not to open a shop, as they were unable to find an adequate unit within their chosen city. Instead, they focused on their online sector. In the last two years, the company has:

  • grown turnover significantly; 2015 to 2016 saw 83% growth
  • increased their stock-holding capacity from 5,000 to 10,000 square feet
  • acquired a great number of additional wholesale customers
  • built a proprietary pre-order system
  • co-ordinated a huge UK product range comprising around 10,000 lines available for pre-order and export
  • improved internal systems with strong procedures that improve staff training processes
  • added powerful price and margin controls and mitigated currency fluctuations

Frank commented on their experiences with rebuildingsociety:

“They provided a smooth process prior to listing the application, support throughout, and a platform that is clear and easy-to-use. Rebuildingsociety is a very impressive social business that is a powerful tool when you need extra finance above and beyond what may have been already possible.”

Perhaps one of the keys to their online funding success was the company’s open-door policy. Frank discusses business with his team quite openly, “from the top to the bottom of the organisation, in response to any question.” Therefore, he embraced the discussion forums available on rebuildingsociety.com, believing that “talking business with lenders in a peer-to-peer environment with the same openness and clarity builds up the confidence to invest in us.”

Now, Candy Hero is back with a new loan application. The return borrowers are well-supported by rebuildingsociety’s lender base, something they hope will help them fund their £300,000 loan application. If successful, the team plan to refinance £184,000 to achieve cheaper interest per month and fewer capital repayments per month, and use additional capital to add to the stock cycle.

When asked why they decided to return to Rebuildingsociety, Frank explained that while their bank is very supportive, recently offering them a new import loan facility, they cannot approve a loan of this size. As he commented: “The only method of gaining a loan of this size would be crowdfunding and the only place I want to crowdfund is Rebuildingsociety.”

Read about the company on their website, and find out more about their loan application at rebuildingsociety.com.

Lending to businesses carries risk. Past returns are not necessarily a guide to future returns. Any unrepaid capital is at risk of arrears or default. To find out more please visit http://reb.so/risk


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