P2P Guide
Peer to Peer Lending An Adviser’s Guide to Copyright Intelligent Partnership 2018 1) The P2P Landscape 7 2) P2P Business Models 17 3) Suitability, Due Diligence 22 & Further Considerations 4) Innovative Finance ISA 27 5) P2P in action: Borrower Case Studies 28 6) P2P in action: Lender Case Studies 33 7) P2P in action: Adviser Case Studies 38 8) The Practical Route to P2P 42 EDITORIAL Lisa Best Daniel Kiernan CREATIVE Mar Alvarez Estela Alcay SUB-EDITING Lisa Best Daniel Kiernan RESEARCH Lisa Best Alan Sheehan MARKETING Michelle Powell Jeremy Gordon PRINT Palina Limited Disclaimer This publication is not included in the CLA Licence so you must not copy any portion of it without the permission of the publisher. All rights reserved. No parts of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means including electronic, mechanical, photocopy, recording or otherwise, without written permission of the publisher. This publication contains general information only and the contributors are not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services. This publication is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your business. Before making any decision or taking any action that may affect your business, you should consult a qualified professional adviser. Neither the contributors, their firms, affiliates nor related entities shall be responsible for any loss sustained by any person who relies on this publication. The views and opinions expressed are solely those of the authors and need not reflect those of their employing institutions. Although every reasonable effort has been made to ensure the accuracy of this publication, the publisher accepts no responsibility for any errors or omissions within this publication or for any expense or other loss alleged to have arisen in any way in connection with a reader’s use of this publication. This publication is based on the authors’ understanding of the structure of the arrangements detailed, the current tax legislation and HM Revenue & Customs practice as at April 2018 which could change in the future. It is not an offer to sell, or a solicitation of an offer to buy, the instruments described in this document. Intelligent Partnership is not authorised and regulated by the Financial Conduct Authority and does not give advice, information or promote itself to individual retail investors. It is the responsibility of readers to satisfy themselves as to whether any arrangement contemplated is suitable for recommendation to their clients. Tax treatment depends on an investor’s individual circumstances and may be subject to change. Certain investments carry a higher degree of risk than others and are, therefore, unsuitable for some investors.
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