on the rebuildingsociety.com blog

25th Jun, 2014

Preparing Your Business For Any Eventuality

Dan Rajkumar, MD of rebuildingsociety shares some tips for business owners picked up during his 12 years of running businesses.

Sometimes opportunity comes knocking at the funniest of times…

We know that 4 out of 5 businesses are not looking to raise finance at any given time, but if a competitor knocks on your door tomorrow asking you to buy them out, or if you spot a great opportunity for growth, then it is best to be prepared. After all, they say the definition of luck is when preparation meets opportunity, so here are a few hints and good practice tips help you to get lucky…

As someone running a growing business, you need to know a few things you can do to strengthen your credit risk profile now, so that when you do come to borrow funds, your business is best placed to be seen as low-risk, ensuring you get better interest rates.

It will take you 15 minutes to fix a few things that could save you thousands later on… (more…)

08th Oct, 2013

rebuildingsociety.com borrower tells his story to the Financial Times

Click here to read the article

Gavin Armstrong of GRA Project Management Ltd has been interviewed by the Financial Times for a piece about peer-to-peer lending.

It’s a great story, Gavin’s £50K loan has allowed the company to boost turnover significantly and he has made all his repayments in time.

In fact, GRA Project Management Ltd plans to apply for another loan shortly – look out for this opportunity.

rebuildingsociety.com founder Daniel Rajkumar was also interviewed and Suleman Akhtar, a current lender explained why he is backing the industry.

You can read the full article here (you must have a basic FT subscription to view the article, but these are free).

03rd May, 2013

rebuildingsociety.com makes TV debut

Today saw the BBC Look North cameras descend on rebuildingsociety.com towers for an interview with Dan about peer-to-business lending.

In conjunction with Exquisite Handmade Cakes Ltd, a borrower through the site, the story focuses on why Yorkshire businesses only have a 29 per cent approval rate with the banks in the region, versus an average of around 50 per cent of businesses throughout the rest of the UK.

Exquisite Handmade Cakes Ltd is the second Yorkshire business to have an application funded through rebuildingsociety.com, with Integral IT Ltd based in Ripon completing a £20,000 loan last week.

Of course, the beauty of an online business is that your customers can come from anywhere, they just need an internet connection, but it’s good to feel like you’re helping out your local community. We believe this is the next stage of peer-to-business lending, a localisation of borrowing and lending so people can see the physical results of their help in job creation, money being spent in local shops and local economies thriving.

It’s small at the moment, but the potential is huge.

See if any of our borrowers are local to you by visiting the Marketplace.

16th Apr, 2013

Yorkshire Post 16/04/13

By Suzan Uzel. Published on 16/04/2013 00:01

EXQUISITE Handmade Cakes is seeking to raise £50,000 to finance the purchase of new machinery via peer-to-peer online business lending platform rebuildingsociety.com.

Daniel Rajkumar & Viv Parry

The Leeds-based cake maker, which was founded by Viv Parry in 2004 and employs 30 people, hopes to generate extra sales by investing in a fully automated cake cutting machine.

Exquisite Handmade Cakes is “at a critical growth stage”, said Ms Parry, adding that she expects to grow its £1.6m annual turnover by 10 per cent this year.Ms Parry said the business “hit a brick wall” in its efforts to borrow from traditional lenders. “There’s a very poor attitude out there at the minute. No-one wants to take a risk on anything,” she said.


02nd Apr, 2013

Case study: A lender’s story

A rebuildingsociety.com lender, JL, shares his story of how he became a peer-to-business lender and his tips for building a portfolio in this emerging asset class.

“I heard about peer-to-business lending though a newspaper article in July last year and to be honest, I was a bit annoyed that I didn’t discover it earlier, such has been my enthusiasm for it since. It has added valuable diversity to my portfolio and provided a gross return of 11 per cent.


28th Feb, 2013

The quandary of regulation

There is no more divisive subject in the crowdfunding sector at the moment than regulation. On 26 February, rebuildingsociety.com talked and exhibited at the UK’s first crowdfunding conference, “Crowdfunding Deep Impact”, held at Hertfordshire University. Nick Moules outlines the basics of the argument for and against.

While everyone in attendance (including Vince Cable through a pre-recorded video) agreed that crowdfunding in its many guises is undoubtedly a positive movement for everyone – there were huge divides over whether regulation applied by the FCA would be appropriate for the market.

Part of the complication is down to the different types of crowdfunding available: (more…)

15th Oct, 2012

Great British Traits Remain as Financial Services Changes its Course

In a blog for the Telegraph, venture capitalist (and American), Julie Meyer, professed her admiration for the British tradition of networking, which it was doing ‘before it became fashionable’. “Leveraging networks is how successful entrepreneurs build game-changers”, she enthuses.

Meyer goes on to describe her recent positive interactions with a new breed of impressive tech start-ups spawning from east London and how the world is more connected than ever before, so it should be easier to move these exciting businesses forward.

Essentially, she makes an intrinsic link between the power of your network and the availability of finance, which is what the Commonwealth did for British business for years.

Although Meyer doesn’t mention crowdfunding (she talks about an invoice financing model to quicken the flow of capital between businesses), there is a clear connection and opportunity for it to play a part in the next stage of UK financial services.

Peer-to-business lending operates in an arena familiar to those who want to raise cash – tech entrepreneurs for example, and attracts those who know the banks and governments will do little for their cash – nullthat also favours everything online.


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