European Stock Exchange

    European Stock Exchange

    The Bridge Between Crowdfunding and Regulation

    The European Stock Exchange - It's Time to Think Different

    Alternative finance challenges mainstream lending for SME market

    According to a new study by Amicus, a leading specialist lender, one in six (16%) small and medium sized enterprise (SME) owners seeking finance say they have been turned down by a mainstream lender (i.e. a high street bank), up from 11% in 2015.

    Nearly a third (31%) of SME owners reported that their inability to secure finance terms with a mainstream lender meant they had lost out on a business deal or investment opportunity. As a result, this has led to greater interest in alternative finance – including forms such as property finance, crowdsourcing, invoice finance and asset finance.

    The findings highlight how over twice as many small firms believe that mainstream lenders are unable to reach quick enough decisions (15%, up from 6% in 2015). More than one in ten (12%) SME owners highlighted the inflexible lending conditions and 8% the insufficient knowledge and experience as reasons for mainstream lender underperformance.

    Over half of SME owners (51%) believe that the greater flexibility offered by alternative finance providers makes them more attractive than traditional lenders, up from 45% in 2015. Greater ability to lend (46%) was second and longer payment terms (34%) was third. Speed (30%), specialist knowledge of their clients’ industries and challenges (29%) and more compelling payment structures (27%) was ranked fourth, fifth and sixth respectively.

    SME owners predict that demand for alternative finance will increase by an average of 28% over the next two years, up from 26% in 2015 – with over half (51%) having reported to have already used alternative finance or considered using it.

    John Jenkins, CEO of Amicus commented: “It’s clear from this research that the demand for alternative sources of finance is continuing to grow in popularity. Mainstream lenders are falling short in terms of the agility and speed that is required by SMEs seeking finance.

    “Having built a strong business base from our property lending expertise, we have responded to the rapidly growing demand for alternative sources of finance, and are broadening our proposition into other areas of lending. Our relationship-based approach resonates well in specialist lending markets that are poorly served by mainstream lenders.”

    https://www.finextra.com/pressarticle/64632/alternative-finance-challenges-mainstream-lending-for-sme-market


    Featured Posts

    KPMG - The Pulse of Fintech Q4, 2106

    China: WeiyangX Fintech Review

    The Cambridge Centre for Alternative Finance, Monash Business School & Tsinghua University, Join

    From cancer treatment to restaurant openings - how crowdfunding turned us all into investors.

    Ram Ahluwalia of PeerIQ Shares the Future of Online Lending

    How Crowdfunding Took On Private Equity And Won

    Brexit slowdown? There's been a 'large-scale drop' in UK startup funding for the first t

    Innovate Finance Report on VC Investment into Fintech: Up Globally, Down in the UK

    Brexit bites UK fintech as funding falls by 34% in 2016

    Germany: Investment Crowdfunding Grew by 39% in 2016

    {"items":["5fda4b180abcba0017a07b13","5fda4b180abcba0017a07b1b","5fda4b180abcba0017a07b1a","5fda4b180abcba0017a07b19","5fda4b180abcba0017a07b1c","5fda4b180abcba0017a07b17","5fda4b180abcba0017a07b16","5fda4b180abcba0017a07b18","5fda4b180abcba0017a07b15","5fda4b180abcba0017a07b14"],"styles":{"galleryType":"Strips","groupSize":1,"showArrows":true,"cubeImages":true,"cubeType":"fill","cubeRatio":"100%/100%","isVertical":false,"gallerySize":30,"collageDensity":0.8,"groupTypes":"1","oneRow":true,"imageMargin":0,"galleryMargin":0,"scatter":0,"rotatingScatter":"","chooseBestGroup":true,"smartCrop":false,"hasThumbnails":false,"enableScroll":true,"isGrid":false,"isSlider":false,"isColumns":false,"isSlideshow":true,"cropOnlyFill":false,"fixedColumns":1,"enableInfiniteScroll":true,"isRTL":false,"minItemSize":120,"rotatingGroupTypes":"","rotatingCropRatios":"","columnWidths":"","gallerySliderImageRatio":1.7777777777777777,"numberOfImagesPerRow":3,"numberOfImagesPerCol":1,"groupsPerStrip":0,"borderRadius":0,"boxShadow":0,"gridStyle":0,"mobilePanorama":false,"placeGroupsLtr":false,"viewMode":"preview","thumbnailSpacings":4,"galleryThumbnailsAlignment":"bottom","isMasonry":false,"isAutoSlideshow":true,"slideshowLoop":false,"autoSlideshowInterval":3,"bottomInfoHeight":0,"titlePlacement":"SHOW_ON_HOVER","galleryTextAlign":"center","scrollSnap":true,"itemClick":"nothing","fullscreen":true,"videoPlay":"hover","scrollAnimation":"NO_EFFECT","slideAnimation":"SCROLL","scrollDirection":1,"scrollDuration":400,"overlayAnimation":"FADE_IN","arrowsPosition":0,"arrowsSize":18,"watermarkOpacity":40,"watermarkSize":40,"useWatermark":true,"watermarkDock":{"top":"auto","left":"auto","right":0,"bottom":0,"transform":"translate3d(0,0,0)"},"loadMoreAmount":"all","defaultShowInfoExpand":1,"allowLinkExpand":true,"expandInfoPosition":0,"allowFullscreenExpand":true,"fullscreenLoop":false,"galleryAlignExpand":"left","addToCartBorderWidth":1,"addToCartButtonText":"","slideshowInfoSize":160,"playButtonForAutoSlideShow":false,"allowSlideshowCounter":false,"hoveringBehaviour":"NEVER_SHOW","thumbnailSize":120,"magicLayoutSeed":1,"imageHoverAnimation":"NO_EFFECT","imagePlacementAnimation":"NO_EFFECT","calculateTextBoxWidthMode":"PERCENT","textBoxHeight":0,"textBoxWidth":200,"textBoxWidthPercent":50,"textImageSpace":10,"textBoxBorderRadius":0,"textBoxBorderWidth":0,"loadMoreButtonText":"","loadMoreButtonBorderWidth":1,"loadMoreButtonBorderRadius":0,"imageInfoType":"ATTACHED_BACKGROUND","itemBorderWidth":0,"itemBorderRadius":0,"itemEnableShadow":false,"itemShadowBlur":20,"itemShadowDirection":135,"itemShadowSize":10,"imageLoadingMode":"BLUR","expandAnimation":"NO_EFFECT","imageQuality":90,"usmToggle":false,"usm_a":0,"usm_r":0,"usm_t":0,"videoSound":false,"videoSpeed":"1","videoLoop":true,"jsonStyleParams":"","gallerySizeType":"px","gallerySizePx":226,"allowTitle":true,"allowContextMenu":true,"textsHorizontalPadding":-30,"showVideoPlayButton":true,"galleryLayout":5,"targetItemSize":226,"selectedLayout":"5|bottom|1|fill|false|1|true","layoutsVersion":2,"selectedLayoutV2":5,"isSlideshowFont":true,"externalInfoHeight":0,"externalInfoWidth":0},"container":{"width":226,"height":288,"galleryWidth":226,"galleryHeight":127,"scrollBase":0}}
    Recent Posts

    KPMG - The Pulse of Fintech Q4, 2106

    China: WeiyangX Fintech Review

    The Cambridge Centre for Alternative Finance, Monash Business School & Tsinghua University, Join

    From cancer treatment to restaurant openings - how crowdfunding turned us all into investors.

    Ram Ahluwalia of PeerIQ Shares the Future of Online Lending

    How Crowdfunding Took On Private Equity And Won

    Brexit slowdown? There's been a 'large-scale drop' in UK startup funding for the first t

    Innovate Finance Report on VC Investment into Fintech: Up Globally, Down in the UK

    Brexit bites UK fintech as funding falls by 34% in 2016

    Germany: Investment Crowdfunding Grew by 39% in 2016

    {"items":["5fda4b180abcba0017a07b13","5fda4b180abcba0017a07b1b","5fda4b180abcba0017a07b1a","5fda4b180abcba0017a07b19","5fda4b180abcba0017a07b1c","5fda4b180abcba0017a07b17","5fda4b180abcba0017a07b16","5fda4b180abcba0017a07b18","5fda4b180abcba0017a07b15","5fda4b180abcba0017a07b14"],"styles":{"galleryType":"Columns","groupSize":1,"showArrows":true,"cubeImages":true,"cubeType":"max","cubeRatio":1.7777777777777777,"isVertical":true,"gallerySize":30,"collageAmount":0,"collageDensity":0,"groupTypes":"1","oneRow":false,"imageMargin":22,"galleryMargin":0,"scatter":0,"rotatingScatter":"","chooseBestGroup":true,"smartCrop":false,"hasThumbnails":false,"enableScroll":true,"isGrid":true,"isSlider":false,"isColumns":false,"isSlideshow":false,"cropOnlyFill":false,"fixedColumns":0,"enableInfiniteScroll":true,"isRTL":false,"minItemSize":50,"rotatingGroupTypes":"","rotatingCropRatios":"","columnWidths":"","gallerySliderImageRatio":1.7777777777777777,"numberOfImagesPerRow":3,"numberOfImagesPerCol":1,"groupsPerStrip":0,"borderRadius":0,"boxShadow":0,"gridStyle":0,"mobilePanorama":false,"placeGroupsLtr":false,"viewMode":"preview","thumbnailSpacings":4,"galleryThumbnailsAlignment":"bottom","isMasonry":false,"isAutoSlideshow":false,"slideshowLoop":false,"autoSlideshowInterval":4,"bottomInfoHeight":0,"titlePlacement":["SHOW_ON_THE_RIGHT","SHOW_BELOW"],"galleryTextAlign":"center","scrollSnap":false,"itemClick":"nothing","fullscreen":true,"videoPlay":"hover","scrollAnimation":"NO_EFFECT","slideAnimation":"SCROLL","scrollDirection":0,"scrollDuration":400,"overlayAnimation":"FADE_IN","arrowsPosition":0,"arrowsSize":23,"watermarkOpacity":40,"watermarkSize":40,"useWatermark":true,"watermarkDock":{"top":"auto","left":"auto","right":0,"bottom":0,"transform":"translate3d(0,0,0)"},"loadMoreAmount":"all","defaultShowInfoExpand":1,"allowLinkExpand":true,"expandInfoPosition":0,"allowFullscreenExpand":true,"fullscreenLoop":false,"galleryAlignExpand":"left","addToCartBorderWidth":1,"addToCartButtonText":"","slideshowInfoSize":200,"playButtonForAutoSlideShow":false,"allowSlideshowCounter":false,"hoveringBehaviour":"NEVER_SHOW","thumbnailSize":120,"magicLayoutSeed":1,"imageHoverAnimation":"NO_EFFECT","imagePlacementAnimation":"NO_EFFECT","calculateTextBoxWidthMode":"PERCENT","textBoxHeight":60,"textBoxWidth":200,"textBoxWidthPercent":75,"textImageSpace":10,"textBoxBorderRadius":0,"textBoxBorderWidth":0,"loadMoreButtonText":"","loadMoreButtonBorderWidth":1,"loadMoreButtonBorderRadius":0,"imageInfoType":"ATTACHED_BACKGROUND","itemBorderWidth":0,"itemBorderRadius":0,"itemEnableShadow":false,"itemShadowBlur":20,"itemShadowDirection":135,"itemShadowSize":10,"imageLoadingMode":"BLUR","expandAnimation":"NO_EFFECT","imageQuality":90,"usmToggle":false,"usm_a":0,"usm_r":0,"usm_t":0,"videoSound":false,"videoSpeed":"1","videoLoop":true,"jsonStyleParams":"","gallerySizeType":"px","gallerySizePx":1000,"allowTitle":true,"allowContextMenu":true,"textsHorizontalPadding":-30,"itemBorderColor":{"themeName":"color_12","value":"rgba(78,78,78,0)"},"showVideoPlayButton":true,"galleryLayout":2,"calculateTextBoxHeightMode":"MANUAL","targetItemSize":1000,"selectedLayout":"2|bottom|1|max|true|0|true","layoutsVersion":2,"selectedLayoutV2":2,"isSlideshowFont":true,"externalInfoHeight":60,"externalInfoWidth":0.75},"container":{"width":220,"galleryWidth":242,"galleryHeight":0,"scrollBase":0,"height":null}}
    • February 2017 (11)
    • January 2017 (2)
    • November 2016 (10)
    • October 2016 (4)
    • August 2016 (1)
    • July 2016 (5)
    • June 2016 (8)
    • May 2016 (10)
    • April 2016 (19)
    • March 2016 (19)
    • February 2016 (11)
    • January 2016 (12)
    • December 2015 (1)
    • November 2015 (9)
    • October 2015 (10)
    • September 2015 (12)
    • August 2015 (19)
    • July 2015 (6)
    • June 2015 (3)
    • May 2015 (2)
    • March 2015 (2)
    • February 2015 (1)
    • January 2015 (1)
    • August 2014 (13)
    • June 2014 (1)
    • April 2014 (1)
    • March 2014 (1)
    • May 2013 (2)
    Archive
    Follow Us
    • Facebook Basic Square
    • Twitter Basic Square
    • Google+ Basic Square
    • Home

    • Listings

    • How it Works

    • News

    • Guide to ESE

    • Apply for Listing

    • Investor Registration

    • Contact

    • T&C

    • Privacy Policy

    • Regulation

    • Company Login

    • Investor Login

    • Help

    • More

      Investor Login
      Company Login

       

      © 2015 European Stock Exchange Group

       

      ESE is not regulated by any investment authority and does not broker and or arrange any transactions that require regulation. We do not trade stock or offer any advice whatsoever. Whilst we take reasonable care to ensure that information on the site is clear, fair and not misleading we do not provide any guarantee, warranty or representation as to its accuracy or completeness. The content of this website does not constitute or form part of any offer by ESE to enter into any contract or agreement nor is it a solicitation to buy or sell any investment.  This website should not be regarded as an offer or solicitation to conduct investment business, as defined by the UK Financial Services and Markets Act 2000 in any jurisdiction other than the United Kingdom. Investors who are resident in or citizens of countries other than the United Kingdom may be subject to local restrictions. This will also apply to all other jurisdictions where similar restrictions exist.  Please note that the value of investments and the income from them may fluctuate and you may not receive back the amount originally invested. Past performance is no guarantee of future performance. Currency movements may also affect the value of investments. The investments and investment services referred to on this website may not be suitable for all investors. If you are unsure as to whether the investments described in this site are suitable for you we recommend you seek professional advice from a financial adviser. ESE may not provide financial, investment or other professional advice to retail clients. Nothing on this site should be interpreted as constituting financial advice. ESE is a platform and does not arrange or raise capital for any companies listed on the platform.

      YOU SHOULD OBTAIN RELEVANT PROFESSIONAL ADVICE SPECIFIC TO YOUR CIRCUMSTANCES BEFORE MAKING ANY INVESTMENT DECISION.

      List with Us

       

      Register as an Investor

       

      Collaborate with Us

       

      Our Charter

       

      Jobs

       

      Reports

      Tools

       

      Partners

       

      The Power of PR and News

       

      Information Packs and Fee Paying

       

      Report a fault with one of our pages

       

      Features 

       

      Social 

      News

       

      The Power of Research

       

      History of Stock Exchanges

       

      Investor Certificates

       

      Investor Seats on ESE

       

      The ESE Fund

       

      Reverse Private Equity

       

      ISA Allowances 2014/2015

       

      Investor Portfolio

       

      Ticker Tape Rules 

       

      Verified by ESE

       

      V

       

      Contact

       

      Privacy Policy

       

      General Terms and Conditions

       

      Terms for Listing Companies

       

      Regulation                           *