Crowdfunding or P2P is taking the middle men out of the traditional funding market by putting individual and corporate investors directly in touch with borrowers like you, via the internet, and using auction-style IT platforms to control the transaction. The investor makes a better return on their money whilst the borrower gains the money they need more quickly. The rates are higher than bank loan rates but there is much more flexibility and appetite to lend from this market.

This is a relatively new and emerging market that is growing rapidly as a result of the banking crisis and banks tightening up their credit policies. This is a very flexible route to consider for loans for all types of reasons, and especially if your bank has refused you finance.

Funding solutions includes:

• Loans to purchase assets such as commercial property, plant and machinery, production plants
• Cash flow loans for working capital, growth capital, MBO’s or acquisition of other businesses
• Building and property development finance
• Loans in addition to other working capital facilities such as invoice finance lines, factoring and overdrafts
• Other loans types that banks traditionally shy away from or cannot underwrite at all

For simple loan solutions, Panoptic have direct routes into some of the Crowdfunders or P2P platforms that specialise in business to business sectors and for more complex funding structuring we have the option to work strategically on your behalf with a Specialist Broker that know this sector extremely well. It is a very dynamic, changing and developing market and the Specialist Broker is the most experienced company in the UK that understands the key platforms and what they offer.

This funding market allows Panoptic to use business loans as part of an overall funding strategy where traditional loan providers and banks may fail. A Crowdfunding or P2P loan is usually very quick to obtain (when compared to a bank), with an interactive application process where you will need our guidance and the loans are usually repayable at any time without penalty; giving you additional flexibility to use the loan until you can pay it back or swap it for a new loan with lower interest rates.

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