Peer-to-peer lending is rapidly penetrating the SME market, and its drivers are discernible as a cluster of related and traceable factors that are making the new lending channel particularly attractive right now. My recent peer-to-peer SME lending study focused on elements of the UK SME economy that peer-to-peer lenders are reaching, the demographics of those…

The FCA’s thematic review on early arrears management in unsecured lending has painted a varied picture across the industry in relation to the treatment of individuals in arrears. Indeed, various organisations are now calling for a “breathing space” which would see customers given a grace period from which to start to put their finances back…