news

What the media says about peer to peer lending & crowdfunding

25th May 2014

P2P lending continues to grow in Europe

  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 […]

25th May 2014

A decade of deficits: Australia’s AAA rating on the rocks

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 […]

25th May 2014

Wealth begets wealth: Are retail investors at a disadvantage?

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 […]

25th May 2014

What is Responsible SME lending – Altfi Conference 2017 panel discussion

25th May 2014

Google Tax

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 […]

25th May 2014

RBA rate cut to historic lows to boost growth, is that really going to happen?

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 […]

25th May 2014

Will we lose our AAA rating, and what happens afterwards?

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 likelihood of a country to repay […]

25th May 2014

Smart-contracts and Block-chain technology

‘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 […]

25th May 2014

Access to finance for SMEs

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 Australia’s broader economy. SMEs hire up 70.5% of private sector employees, an absolutely astounding number, and contribute 57% of the […]

25th May 2014

Budget Update

Introduction Now that the dust has settled, MarketLend has decided to take a look into the Australian Budget that was released last week. To put it in context, Australia has enjoyed massive prosperity and growth over the last decade. China’s economic boom has allowed Australian businesses to grow and export heavily to Asia, which has […]

25th May 2014

Debtor finance is an important factor to economic growth

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, […]

25th May 2014

These days, innovation in Australian industries is rife

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 […]

25th May 2014

Composite lending, marketplace lending hybrid

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 marketplace lending.   Composite lending as a model combines two common models: balance sheet lending […]

25th May 2014

Innovation isn’t a fad

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 successful innovations are ‘fads’. They believe that innovations are only popular due to speculation, and they’ll die out as quickly as they entered. […]

25th May 2014

A competitive advantage: How Australia can start leading the world in innovation

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-sourced equity funding. By decreasing compliance costs and barriers to entry, the Government has made CSEF a viable […]

25th May 2014

Innovation & Corporations Law Amendments & CrowdFunding

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 technology, specifically Uber, in Australia. Uber’s cheaper fares, convenience, and reliability outshone taxis in almost every conceivable way. Ride-share legalization is […]

25th May 2014

Submission to Financial Innovation and Payments Unit, Financial System on CROWD-SOURCED EQUITY FUNDING

 Marketlends Submission on Amendment Schedule 1 to the Corporations Law (Crowd-Sourced Funding) Bill

25th May 2014

Is Australia up to scratch? Diversify with peer to peer lending

 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 […]

25th May 2014

Turnbull’s endeavor to develop an “entrepreneurial” Australia helps peer to peer lending

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 […]

25th May 2014

Finding the capital to kick-start your business – invoice financing

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 […]

25th May 2014

What is peer-to-peer or marketplace lending?

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 […]

25th May 2014

The Danger of “Status Quo”, Credit Card Surcharges, and Interest Rate gouging

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, […]

25th May 2014

Life isn’t linear, why should credit reporting be?

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 […]

25th May 2014

The Falling Australian Dollar

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 […]

25th May 2014

Why P2P facilitators have to have ‘skin in the game’

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 […]

25th May 2014

Marketlend submission to the government on Facilitating crowd sourced equity funding and reducing compliance costs for small businesses – CSEF

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 […]

25th May 2014

Cynicism, Resentment, and Misinformation: A look at the current criticisms of P2P lending.

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. […]

25th May 2014

Why you need loss protection when investing in Peer to Peer lending

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 […]

25th May 2014

The Greek Economic Crisis and Peer to Peer Lending

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’ […]

25th May 2014

Financial System Reform – Recommendation 18- facilitate crowdfunding for debt – SME finance – Marketlend well poised for the future.

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 risks associated with crowdfunding investments would require some adjustments to consumer protections, […]

25th May 2014

Marketlend – accessible at http://bit.ly/Marketlend

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/marketlend or , /br> subscribe to the Marketlend channel on youtube or see us at […]

25th May 2014

Liquidation and a downturn in the housing market: Does it spell disaster?

Phillip Parker from Altair Asset Management made a huge move last week by liquidating all of the fund’s Australian shares and returning the money back to investors. Parker stated that the bubbles in Chinese debt, overvalued property in the east coast, and overvalued equities would lead to a major shock for Australian equity investors.   […]

25th May 2014

Marketlend in media

Marketlend alternative financing solutions

25th May 2014

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 Australia’s broader economy. SMEs hire up 70.5% of private sector employees, an absolutely astounding number, and contribute 57% of the industry value added by business. As an economy, our success is heavily related to the success of SMEs. Australian politicians realise the importance […]

25th May 2014

Upcoming App and Conferences

New App on Google, (iPhone version pending approval) Download here On 27th February 2017, come see us at the AltFi Summit   On 21st and 22nd March 2017, come see us at the Accounting Business conference

25th May 2014

Precursor to Year in Review Webinar

Year in Review – Precursor – Review the milestones of Marketlend over 2016

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