Jag fortsätter att citera och kommentera Computer Weekly om de nya konkurrenterna till banker.
5. MarketInvoice
UK-based peer-to-peer lending platform MarketInvoice, set up in 2011, buys invoices from businesses through funds provided by investors. The investors receive an agreed percentage of commission when the loan is made and then get the money back when it is repaid.
The government is an investor through the British Business Bank. The bank, established by the government, lends money to small and medium-sized enterprises (SMEs) by buying their invoices and makes money out of it through commission. The Greater Manchester Authority also invests in it to provide credit to local SMEs.
MarketInvoice’s system carries out risk checks on a business with an invoice and then offers its creditors the chance to invest in the invoice, based on the assessment. It can have funds from an invoice available to an SME within 24 hours.
On average, loans are repaid in 40 days and the company said only 1.9% of loans have been defaulted on to date. The average size of the loans it transacts is £65,000.Since its launch, MarketInvoice has facilitated loans worth £323m to small businesses. But the company is growing quickly, and £200m of that total has been completed in the past year.
Ännu ett exempel på hur bankernas roll som mellenled i värdekedjan.hotas.
Läs mera trendspaning www.lobalk.se