P2P Guide

P2P BUSINESS LENDING FLOWS SOURCE: ALFTIDATA.COM 2012 2013 2014 2015 2016 2017 £2bn £1bn £0 P2P BUSINESS LENDING AS A PROPORTION OF TOTAL SOURCE: CAMBRIDGE CENTRE FOR ALTERNATIVE FINANCE, ENTRENCHING INNOVATION, UK ALTERNATIVE FINANCE. INDUSTRY REPORT, DECEMBER 2017 P2P Milestones Timeline 2012 2013 2014 2015 2016 3.30% 0.94% 0.34% 4.43% 6.56% 11 10 THE P2P LANDSCAPE THE P2P LANDSCAPE P2P Property Lending growth Santander starts referring small businesses to P2P IFISAs commenced P2P is eligible Bank Referral Scheme launched P2P loan interest treatment changed to match any other interest received FCA took over P2P regulation over £5bn lent to date P2P Business Lending growth 2014 2015 2016 Up 100% from 2014 +88% % = % 2005 Zopa established 2008 Zopa.net IRR 5.9% 2011 P2PFA founded 2013 20 new platforms launched (UK) Global financial crisis 5.9% £5bn lent through P2P in this year alone P2P minimum capital adequacy requirements increase 2017 more than 50 P2P authorised platforms 2018 £5bn from £20k to £50k British Business Bank continues to support marketplace lending through its Investment Programme. BRITISH BUSINESS BANK, SMALL BUSINESS FINANCE MARKETS 2017/18