Blog

In this video, Marketlend’s Founder and CEO, Leo Tyndall, explores why it is so important that Marketlend act as a "fierce advocate" on behalf of its investors, especially when it comes to protecting their investments.  Watch the video or read the full transcript below. https://www.youtube.com/watch?v=G6B4aKejZiI ...

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21 October 2018
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5 Questions to Ask Yourself Before You Turn Your Hobby into a Business

 
  • Is your great idea a hobby or a business?
  When avid Australian gardener Matt Harris became frustrated with traditional plant watering methods, and the pests eating at his produce, he invented a self-watering, enclosed system called...

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19 October 2018
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Watch Marketlend’s Founder and CEO, Leo Tyndall, talk about Marketlend's loss reserve, a important feature that protects investors.  The text of his comments appears below if you prefer to read. https://youtu.be/277Xc6qFY8w So a loss reserve for us in Marketlend is actually built on the basis of protecting against the possibility that we have someone who falls in default and therefore th...

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14 October 2018
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Watch Marketlend's Chief Investment Officer, Jane Lehmann, talk about what Marketlend looks for in its investors.  The text of her comments appears below if you prefer to read. https://youtu.be/-Q9tQsJtQs4  

Marketlend has a very specific requirement in regards to its investors.  Under the Corporations Act, w...

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7 October 2018
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After ongoing investor testing and community engagement, we’ve created a new user experience built for your needs, the Marketlend Loan Exchange (Beta).

 

Making the most of Loan Exchange:

 

When you access the new Loan Exchange you will notice a number of key d...

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29 September 2018
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Is social media marketing like using Facebook and Twitter still worth it? That’s a question many small businesses might be asking these days, considering these trends: Globally, Twitter is reported to have Read more

27 September 2018
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Businesses have different schools of thought on how much time and money should be devoted to marketing and which approaches are most suitable for their companies. We’d love to hear about yours. Please take a few minutes to respond to this ...

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26 September 2018
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https://soundcloud.com/leo-tyndall/collections-what-we-do-and-how-we-do-it This past week, Marketlend ran an investor townhall.  Transparency is integral to how Marketlend operates.  Our investors expect it and we are committed to delivering on this promise.  The investor townhall offered a chance to roll up our sleeves and explore issues that matter to the investor community. We dug down in...

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20 September 2018
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So your launch was a success, and your new business is now at cruising altitude. Celebrate, by all means. But keep an eye out for tendrils of smoke in the vents. That’s because some problems in a growing business are like a smouldering fire: you’re often unaware until it’s too late. If you know their early warning signs, thoug...

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18 September 2018
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Branding, where does it fit? Determining which job functions to prioritise in an SME is one of the most critical resource decisions you’ll make as a founder. The need to focus foremost on services and product development is obvious, but business experts often debate the merits of Read more

14 September 2018
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Let’s say you’ve come up with a cure for baldness. You’ve patented your formula, written a  business plan, lined up investors, hired staff and set up production. Ready for liftoff, right? Nope. Your startup would crash for want of marketing.   You can’t sell something, even the cure for baldness, unless people know it ...

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11 September 2018
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$50 million! It's time to take a moment to celebrate.  Marketlend is pleased to announce that we have hit $50 million lent through our first-of-its-kind platform. Our strong investor community and our strong SME community is a major reason for reaching this milestone. We want to express our thanks to you for helping us make this happen, and supporting us as we grow into the future. We're not...

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6 September 2018
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Hiring an outside IT consultant is often fraught with anxiety for companies and their IT managers. Regardless of how well-regarded the consultant is, he or she is still accessing a company’s secure environment and encroaching on the IT department’s turf. Reasons for management nail-biting abound. IT consultants are often autho...

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4 September 2018
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The investor survey results are in!   We were genuinely surprised by the strong response and the results and believe it is worth sharing them with the wider community since many SMEs can benefit from understanding what investors are really looking for. While not scientific, one of the most interesting things to note is how more "subjective" elements like strength of brand or originality of conc...

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31 August 2018
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It can feel like running a marathon just to go through the gruelling paces of building your business to the point where it is ready for investors. Once you cross that finish line, guess what? It’s time to run another one. That would be the race for investors.   Attracting investors and keeping them happy is another end...

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29 August 2018
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Are you a small business considering Cloud services?  With so many industries moving their workloads en-masse to the cloud, the question of risk versus benefit is more critical than ever for potential cloud migrants. As a business eyeing a higher level of IT infrastructure, you need to be aware of the dangers of public clouds and how you can avoid the pitfalls that h...

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23 August 2018
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Are you thinking about getting yourself out there and finally starting a small business of your own?  You'll need a business plan. 

 

What's a business plan?  

 

In the simplest terms, a business plan is simply an outline of what your goals are for the small business, and how you p...

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21 August 2018
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Are you a sophisticated investor?  It's time for our first for entertainment-purposes only investor survey (we'll be doing a series for borrowers, too, so please keep an eye out).  

CLICK HERE TO TAKE THE INVESTOR SURVEY

  At Markeltend, we always want to learn.  The more we know about what matters to our investors and...

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17 August 2018
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What do you know about the gig economy?  How an employer manages their growing small business has changed immensely in the last 10 years, with both employees and employers alike now relying on the flexible and cost effective nature the gig economy presents.   The gig economy refers to the segment of the workforce that ...

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14 August 2018
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Insured loans can bring real peace of mind to investors because insuring a loan brings protection in the face of often unforseen events that prevent the repayment of that loan.  How do insured loans work?  First, insured loans need a pioneering platform to realise their potential, one that is built on best practice, transparency and flexibility. Marketlend’s proven first-of-its-kind borrower an...

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9 August 2018
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When starting a small business, the list of important financial decisions that go into the development of your newly formed enterprise can be overwhelming. From establishing an office to paying employees, the finances and expenses can pile up.   With this in mind, it’s important to hire a bookkeeper who can help sort ...

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7 August 2018
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This week, we have the pleasure of again welcoming Bessie Hassan.  As the Money Expert for finder.com.au - the site that compares virtually everything - Bessie is an experienced commentator who often appears on national radio, TV, and throughout online publications sharing her best money-saving tips and property advice. Bessie is passiona...

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3 August 2018
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Lending to SMEs to support sustainable growth is what Marketlend CEO and Founder Leo Tyndall is passionate about, and he wants his company to lead the way as a responsible organisation that treats lines of credit with care and delivers transparency. Click to video to here more or scroll down for a transcript of his latest chat.   https://www.youtube.com/watch?v=gvkdZNvp6ng   ...

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31 July 2018
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Funding is often a constant concern for SMEs.  To fund a business doesn't just mean finance and there are creative ways to bring money in the door that can support growth. What are your best options for funding? Here are some "outside-of-the-box" options that can help.   Presell Services or Products   This is a creative way to fundrais...

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26 July 2018
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As a former Regional Commissioner NSW, Australian Securities & Investment Commission, Chris Van Homrigh has brought his deep background in market regulation and best practice to the Marketlend team over the last year. At Marketlend, this knowledge and experience has helped support the continual refinement of a first-of-its-kind lending platform, and our constant ...

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24 July 2018
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Need some general tips on improving your small business's health --especially when it comes to getting finance?  This week, we have the pleasure of welcoming Bessie Hassan, who shares our drive to educate the market and help small businesses.  As the Money Expert for finder.com.au - the site that compares virtually everything - Bessie is an experienced comme...

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19 July 2018
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The Banking Royal Commission has opened many people's eyes to the need for greater transparency in the financial sector.  It has also shed light on how challenging it has been for SMEs to get funding.  Marketlend CEO and Founder Leo Tyndall breaks down why the push for greater transparency and accountability from the finance sector helps cutting edge platforms like Marketlend which have these valu...

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17 July 2018
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Your small business is thriving. You’re growing. You need to hire, but unsure  where to begin and what resources are available. The right hire can boost your business productivity and profitability. The wrong hire can be an expensive and time-consuming mistake. Here are a few best practices for hiring employees for your small business. <...

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12 July 2018
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Running a SME is always a challenge and funding one can be particularly difficult.  Marketlend Founder and CEO Leo Tyndall and his team are focused on delivering a more transparent and fair marketplace for SMEs.  Part of this job is helping to educate the market to help SMEs avoid some of the pitfalls in the lending space. Watch below or scroll down for a transcript of his interview.   ...

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10 July 2018
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ABC News just did a hard-hitting story on SME lending in Australia and they turned to Marketlend for some perspective on the question.  In particular, they were looking for Leo's thoughts on recent attempts by some players in the market to self-regulate amid general shortcomings around disclosing the true cost of loans to SMEs.  Leo and the Marketlend team believe it's absolutely essential that SM...

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6 July 2018
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Marketlend CEO and Founder Leo Tyndall wants his investors to know that no one applies for a loan on the site without a thorough review of their financials, and that transparency and responsibility --and ultimately care for the underlying businesses that borrow-- drive Marketlend's mission. In this video, Tyndall breaks down what his team looks for in a potential borrower's financial profile.  The...

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5 July 2018
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The thought of approaching a professional investor with access to millions makes you sweat, but if you’re like many startups, you need money to get your new business off the ground. What is it that makes investors reach for their wallets?     Businesses who bring in money do several things right. Here are key points you wa...

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28 June 2018
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Why is starting a new business easier than getting a licence to drive in Australia? In the video below, Marketlend Founder and CEO Leo Tyndall explains how this is a problem and why we should think differently about the reality of starting a new venture. Prefer to read rather than watch the video? The transcript is below.   https://www.youtube.com/watch?v=-fBZthN8TBk   Read more

24 June 2018
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Why a digital marketplace for SME lending? The simple answer is a need among SMEs for more access to capital and investment opportunities. Here as part of our Marketlend SME Academy, Marketlend Founder and CEO Leo Tyndall talks about how the search for money was a source of pain for many in the SME landscape when he began.  (Prefer to read, not watch? ...

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20 June 2018
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Marketlend founder and CEO Leo Tyndall wants every SME to know three basic things before they take out a loan. Click on the video below or read the transcript to get a closer look at better lending. https://www.youtube.com/watch?v=YNW9uRjZyF0&t=6s   Q: What three things do you think SME needs to know about lending? A: Well, they need to know what the true cost is of their faci...

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19 June 2018
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India is a major developing economy and is forecasted to see massive economic growth in the next few years. It’s a country that can’t be ignored in the 21st century and may follow the steps of China if it plays its cards right. The Reserve Bank of India has recognised the importance of P2P lending in its most recent standards assessment and looks to publish them soon. In a 2016 co...

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2 July 2017
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  P2P-Banking.com has released its lending volumes for May 2017, and has measured a major increase in the volumes of almost all P2P market places compared to last year’s May. This has come to an approximate $500 million dollars in added volume. Globally, Morgan Stanley forecasts lending volumes of up to US$290 billion dollars by 2020.   We’ve seen a major increase in Chinese P2P...

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3 June 2017
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In the last federal election, Australia’s AAA rating was a hot topic that was brought up by both sides of the political spectrum. Australia’s S&P rating was threatened last year, with many predicting it to fall to AA+ in 2017 or 2018. Over the last week, we’ve seen the AAA rating re-affirmed by the S&P but placed at a high-risk.   Citing a decade of deficits, the S&P has hig...

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28 May 2017
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To invest in risky early-stage private ventures, the Government must consider you to be a ‘sophisticated investor’ that is: 1. Earning an income of over $250,000 per annum in the previous two years or 2. Having net assets in excess of $2.5 million. This means that only a small fraction of the population are able to invest in these businesses. Not only does that provide a large amount of l...

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6 April 2017
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Scott Morrison introduced the ‘Google Tax’ or the less exciting Diverted Profits tax on the 29th of November this year, stating that it will ensure that tax dodging corporations will be heavily scrutinised and taxed heavier if they try and dodge their tax. The tax will allow the ATO to broaden their scope and ensure that these large multi-nationals can properly be punished.This is somet...

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5 December 2016
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The RBA has cut the interest rate by 25 basis points from 1.75% to a historic low of 1.5% in an effort to stimulate the economy, specifically boosting growth and reducing the Australian dollar. Concerns have been raised about the subsequent effect that this will have adverse effects on the property markets. By decreasing the interest ra...

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13 August 2016
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Before delving into this discussion, I thought it would be useful to give a brief explanation of what Standard and Poor’s Rating Agency (S&P) ratings actually mean. It has become a relatively big buzz-word amongst political pundits over this election season. AAA rating is the highest possible rating, implying that the likeliho...

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17 July 2016
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‘Blockchain’ is a hot word in financial technology at the moment.

I’ll be honest, I didn’t really know what the word meant until a few weeks ago, when I had a bit-coin veteran break it down for me. Essentially, Blockchain is a massive statement of all the transactions on a specific network. The blocks, think of them as a bank statement, are ‘chained’ together to crea...

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17 June 2016
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Access to Finance for SMEs
Access to Finance for SMEs is critical to the growth of Australia and its position in the world:
Small and medium sized enterprises (SME) make up a massive portion of Austra...

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10 May 2016
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Introduction Read more

10 May 2016
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Debtor finance is something that isn’t really considered in-depth when we look at the economy as a whole. Most of debt-financing occurs when a company borrows a percentage of an outstanding debt invoice, and they are given that money to place into their business rather than waiting until their products are sold. Businesses grow quicker, the amount of working capital grows, businesses are able t...

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26 April 2016
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It often seems that we don’t know where to look without seeing a new start-up business or investment opportunity. Your funds no longer need to go into a huge company, either. Most of the opportunities afforded to you allow you to invest in far smaller businesses instead. We’ve seen the rise in power of Uber and Airbnb, which are set to disrupt the taxi industry and the accommodation market resp...

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10 April 2016
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With alternative lending becoming a more prominent part of modern business, it is important to stay abreast of changes in the industry. Composite lending is a mixture of different models and brings with it a great deal of benefits from marke...

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9 March 2016
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Industry conservatives have been having an insecure decade.
As new ideas and businesses enter the market, their influence within their own respective industries decreases. However, conservatives often re-assure themselves by believing that successf...

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16 February 2016
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Over the last few articles, I have discussed the new Government’s plan to enter the ‘era of innovation’. The most significant to MarketLend and many other financial technology companies offering fintech solutions was the amendments made to crowd-sourc...

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15 February 2016
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Archaic laws and legislation have systematically hindered innovation. The Government’s ability to adapt quickly and efficiently to innovation strongly influences the economy’s wellbeing and success. One example of this is the insurgence of ride-sharing technolog...

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5 February 2016
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 A look at how the 2008 financial crisis changed the way policy-makers use monetary and fiscal policies.

It’s a bold statement to say that Governments always learn from their mistakes. But, for the most part, they at least attempt to learn from their mistakes and the outcome is generally positive. However, what if a Government got off scot-free and they didn’t really have to lear...

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19 January 2016
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First, I think we need to do a recap of the last decade of the Australian economy. To begin with, we went through a mining boom that is often referred to as “once in a generation”, housing prices have increased rapidly, and productivity growth has been relatively stagnant and lower than the productivity growth rates achieved in the late 90’s and early 2000’s. However, over the last five to six ...

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10 January 2016
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Starting a small business can be one of the most exhilarating experiences a person can undertake, which is in part due to the risks and challenges that stand before you. Once you’ve made the decision to tackle the challenge and begin your journey, it becomes quite urgent for you to be able to get your hands on a lot of capital. Unfortunately, not many people share the same enthusiasm that you have...

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7 December 2015
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Are you sick of the high interest rates that come with personal loans or business loans from major lenders? Well, fear not. A new trend called peer to peer lending, or P2P, or marketplace lending may be of interest to you. It’s quite popular around the world, however, has been in Australia only for a few years now. This method lets you borrow money directly from the investors and that all at a ...

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6 November 2015
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Why it is important to stop anti-competitive behaviour in its tracks? Humans are strange; we are so very opposed to change before it happens and shortly after it happens, but after some time has passed, we quickly adapt. We forget why we are angry, and accept it. This is dangerous behaviour. Banks, like any institution, hold a lot of clout, politically and financially. An oligarch or four ba...

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23 October 2015
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Everyone has been through ups and downs in life. Do we, as a society, measure one’s worth only on their negative experiences? Does a company only assess the times where you have been in a bad position or unemployed before hiring you? No. Merit is not developed simply by having a limited number of negative experiences, so why should credit be?   Before 2014, Australian credit was establi...

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3 October 2015
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When many people think of the idea of a “weaker” Australian dollar, they seem to panic. It’s spread all over the media and positioned as if it was a recession or natural disaster. For investors, the issue is working out the consequences of a falling Australian dollar and the benefits. But first, let’s find the root of the falling Australian dollar, and work upward from there.   So, what...

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13 September 2015
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An un-named regional bank made an unusual statement in an article I read recently; “Depositors lend them the money, not the individuals."   In my opinion, the comment seems naïve, as I cannot possibly imagine that the majority of depositors see that they are the lenders themselves. The GFC demonstrated that many well-known banks had used depositors' money to invest into assets that w...

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7 September 2015
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Introduction

Marketlend itself is not a facilitator of crowd-sourced equity funding. However, Marketlend is a facilitator of crowd-sourced debt funding. The two models work very similarly, and as a result of the similarity in models, Marketlend believes that it can input some valuable information regarding CSEF and the reduction of compliance costs. The differentiation of equity or de...

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1 September 2015
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As someone involved with a P2P lender and generally interested in new forms of investment through utilisation of new technologies, I’ve noticed the huge amounts of hype and excitement that have been following P2P lending. However, more recently, I’ve also noticed the blatant misinformation and cynicism that have been increasingly circulated through media and journalism. Firstly, I’d like to state...

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22 August 2015
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If there was one strong lesson learnt from the GFC, amongst many, it was that the issuers who had their own capital invested and at risk in their offerings to investors (“skin in the game”) were the ones that typically survived the GFC, because they took on better risk at the time of obtaining the loan and were more committed to returning capital back to investors. It was their money at risk as we...

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29 July 2015
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Commentary The Greek Economic Crisis: Greece has experienced a tremendous amount of attention, after the strenuous and frustrating months of negotiation between creditors and the Greek Government have come to a crescendo. Creditors had given Greece another opportunity for a bailout, under the provision that strict austerity must be practiced. Alternatively, Greece could vote ‘no’ to these provi...

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6 July 2015
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Financial System Review - click for the full report Government should continue its current process to graduate the fundraising regime to facilitate securities-based crowdfunding. This would enable entities to make public offers of securities to a potentially large number of people (the ‘crowd’). The ris...

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4 January 2015
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Marketlend is now available by the following email address: http://bit.ly/1vIIblj This improves our accessibility on social media sites and also increases the number of people visiting our site. Additionally, all social websites are now accessible. Like us on Facebook at www.facebook.com/market...

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3 January 2015
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