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Beefed up government loan scheme brings big help for small firms
Rishi Sunak © TOLGA AKMEN/POOL/AFP via Getty Images
Small business

Beefed up government loan scheme brings big help for small firms

The government’s Bounce Back loan package for small businesses affected by the Covid-19 crisis is exceptionally generous.
7 May 2020
Government patches up small business loan scheme
Bank of England Governor Andrew Bailey © ANDY RAIN/EPA-EFE/Shutterstock
Small business

Government patches up small business loan scheme

Changes to the Coronavirus Business Interruption Loan Scheme, under which the government guarantees 80% of loans made by banks and lenders, are having…
24 Apr 2020
Make the most of the UK's holiday from debt
Personal finance

Make the most of the UK's holiday from debt

Loans and credit card payments may be frozen for three months, but you will still have to cut your borrowing.
14 Apr 2020
FCA proposes credit-card payment freeze and £500 overdraft for all
Personal finance

FCA proposes credit-card payment freeze and £500 overdraft for all

The Financial Conduct Authority has said that loan and credit card repayments could be frozen for three months, while those affected financially by th…
2 Apr 2020
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Small business loans: how best to finance your firm's assets
Small business

Small business loans: how best to finance your firm's assets

Banks won’t lend much to small businesses, but there are plenty of other sources of cash.
4 Mar 2020
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P2P lending hits a speed bump
Alternative investments

P2P lending hits a speed bump

The P2P lending sector is slowing, but it remains appealing in an era of zero interest rates, says David Stevenson.
3 Sep 2019
The demise of Lendy, and why P2P can’t reinvent the basics of finance
Alternative investments

The demise of Lendy, and why P2P can’t reinvent the basics of finance

If you are offered a temptingly high return on anything, says Merryn Somerset Webb, it is because it is illiquid and risky. That’s something that inve…
24 Jul 2019

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Don’t stop at forgiving student debt – forgive everyone’s debt
Economy

Don’t stop at forgiving student debt – forgive everyone’s debt

A jubilee for student debt is an attractive idea but not a fair one, says Merryn Somerset Webb. Better to give everyone a hefty lump sum – whether the…
1 Jul 2019
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The leveraged loan bubble
Investment strategy

The leveraged loan bubble

Lenders are writing cheques for highly indebted companies at record rates. What could possibly go wrong?
23 Nov 2018
P2P car loans for subprime borrowers
Alternative finance

P2P car loans for subprime borrowers

A peer-to-peer platform, Buy2Let Cars, claims investors can get a bumper return from leasing cars to people with less-than-perfect credit histories. 
12 Oct 2018
A time bomb in cov-lite loans
Economy

A time bomb in cov-lite loans

“Cov-lite loans”, which do not require a borrower to pass financial tests, have proliferated amid the desperate global search for yield.
7 Sep 2018
James Benamor: Britain’s billionaire subprime lender
People

James Benamor: Britain’s billionaire subprime lender

James Benamor escaped a troubled childhood and survived the 2008 financial crisis. Now he has carved out a profitable niche in a controversial industr…
20 Jul 2018
What are leveraged loans and why should you worry about them?
Loans

What are leveraged loans and why should you worry about them?

Investors are flocking to “leveraged loans”. John Stepek explains what they are and why they could send markets into a downward spiral.
16 Jul 2018
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Beware: executors are liable for inheritance tax
Personal finance

Beware: executors are liable for inheritance tax

Make sure you’re up to date on the responsibilities that come with being an executor before you agree to take on the role.
1 Jun 2018
Bullet repayment loan
Glossary

Bullet repayment loan

A 'bullet repayment loan' is one where the borrower repays the capital in one chunk at the end of the term of the loan.
29 May 2018
PIK note
Glossary

PIK note

A “payment-in-kind” (PIK) note (or loan) is a way for companies to borrow money.
17 May 2018
Student loans: yet another reason they won’t ever be repaid
Economy

Student loans: yet another reason they won’t ever be repaid

So few student loans are now being paid off that the government would have been better off not reforming the system at all. It’s all down to ‘salary s…
23 Jun 2015
The student 'loans' that will never be repaid
Economy

The student 'loans' that will never be repaid

The absurdity of the student loans system means that even relatively well-paid graduates won't be able to pay off the full amount over their working l…
21 May 2013
Want a degree for free? No problem - if you are a pensioner
Economy

Want a degree for free? No problem - if you are a pensioner

It would be nice if all adult learners could have their tuition fees paid for by the state. But the fact is, the state can't afford it.
14 Jan 2013
Bridging loans: tread carefully
Property

Bridging loans: tread carefully

The Bank of England's rate cuts have brought traditionally-expensive bridging loans down to levels where many people might be tempted. But is it reall…
13 Mar 2009