How to Obtain Credit from Alternative Funding Agents

Giuliana Borello
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Giuliana Borello: University of Verona

Chapter 5 in Crowdfunding for SMEs, 2016, pp 93-116 from Palgrave Macmillan

Abstract: Abstract This chapter identifies the main features of European alternative funding agents that issue debt-based securities. These features are highly significant in boosting investors’ participation in the process of funding individuals, start-ups and SMEs. This chapter analyses the most important alternative funding agents in two ways: first, it focuses on European P2P lending platforms and their business models. The analysis investigates the best practices among the platforms, which need to construct a long-term strategic relationship with their clients to ensure their regular participation and to establish their own presence in the P2P lending market. Second, it focuses on mini-bond markets across the largest European countries: UK, Italy, Spain, Germany and France. The results of the analysis are interesting for banks and other financial services providers that could participate in supporting retail operations or offer their advisory services.

Keywords: Interest Rate; Institutional Investor; Credit Risk; Soft Information; Retail Investor (search for similar items in EconPapers)
Date: 2016
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Persistent link: https://EconPapers.repec.org/RePEc:pal:pmschp:978-1-137-56021-6_5

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DOI: 10.1057/978-1-137-56021-6_5

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