Banks in crisis: loans to businesses are down, bad loans remain enormous, the disaffection of customers increases. An opportunity for shadow banking


Banks in crisis: loans to businesses are down, bad loans remain enormous, the disaffection of customers increases. An opportunity for shadow banking

The alternative forms of loan, including the marketplace lending, have the possibility to fit into an ever-increasing supply gap. explains why

Bank loans to businesses collapse; budgetary bad debts continue to be monotonous – despite a slight improvement; they are closing more and more branches and therefore the physical dimension of the banks is disappearing, while the need for capital increases to comply with increasingly stringent requirements and above all for the lack of “pandemic” profitability that involves the operators in all the globe.

We are still, without any doubt, in loan crunch . And alternative forms of financing companies have the great opportunity to fill an increasingly deep void . Especially for those targets, such as micro and very small businesses, to which lend is particularly burdensome, as well as absorbing capital, for traditional banks that tighten the loan lines. There is no QE that takes: liquidity is not transferred to the real economy – those of the companies with whom we relate to it every day – and stops at the financial system.

A wonderful opportunity for the lending marketplace that is trying to grasp: the growing numbers of our disbursed (at the end of the year exceeding 7 million euro, up by one million month on month) show an increasing interest from part of the companies . The potential for growth is enormous.

But let’s try to frame the context with a greater level of detail.

Let’s start with a disruptive data: according to the latest monthly report prepared by the Unimpresa Study Center , which is based on data from the Bank of Italy, loans from banks to companies in the last 12 months have fallen by over € 18 billion (-2%) , albeit in a context in which consumer loan increased (+5 billion) and private loans (+5 billion).

The same report indicates that the unpaid installments (non-performing loans) decreased slightly by 1.9 billion from 201 billion to 199 billion with the “backwardness” of companies dropped by 1.2 billion from 143 billion to 142 billion. A slight improvement that we also find by analyzing other sources. Like the PwC’s The Italian Npl Market report, according to which, in 2016, for the first time since 2008, bad loans have been reduced to the Italian system level: in particular the NPL (a macro-category in which everything is included, bad loans) , substandard loans, doubtful loans, total exposure to what is non-performing) stood at 331 billion in June 2016 (-3% compared to the end of 2015); while bad loans (non-performing loans) amounted to 197 billion euro, down by about 3 billion from the levels at the end of 2015.

But there is no need to shoot fireworks, indeed, considering that 2016 should have been the year of acceleration on the divestiture of the NPL, which in reality was not as strong as expected.

The perennial crisis of banks is not just a matter of budgets : the banking world is changing its skin and it is not even too quietly. The interaction models necessarily change. Just think about the number of branches that will close in the next few years : the 800 of Uniloan will be the ones that will be canceled from the new business plan in the next four years. But, “i n the basis of projects submitted by the 10 largest banking groups (including Bank), the network of bank branches will see almost 3,300 closures, more than one tenth of the national branch network, while thousands more will be involved in the process of rationalization. “Which means that it will have to change the model of customer interaction with the bank . Traditional institutions are becoming more and more virtual, losing that dell’ut of physical access that has always been the true added value of traditional banking, especially for the segment of the population with little or no computer literacy.

In short, everything converges because the Internet and alternative forms of banking take the upper hand , or at least find their right position alongside traditional banking services. Will the banks disappear? Of course not. But for some categories of services, and loans to micro and small businesses are among them, they will be replaced more and more pervasively by Fintech.


Over one million euros loaned in the first month of 2017


Over one million euros loaned in the first month of 2017

Fotolia 81589827 Subscription Monthly M

It went to more than 8.1 million euro, from around 7 of the previous month, the disbursement from to 31 January 2017. The amount of loans provided by the Italian p2p lending platform dedicated to SMEs continued to grow. last month the value has exceeded one million euro, marking a new monthly record (1,135,018 euros for accuracy)

Loans amount to 264, 16 paid in the month analyzed ; while the yield for lenders stands at an average of 5.60% gross. This yield was in any case higher than the average of the main UK platforms , which at the end of January recorded a value of 5.14%, based on the Liberum AltFi Returns Index .

Nor does it change the situation of absolute predominance in terms of net return on p2p compared to all other comparable forms of investment . The less profitable in the year ended January 31, 2017 has again shown the five-year BTP that has broken a coupon of 0.35% – a little more than 30 euros of gain, net of a 12.5% ​​discounted tax on an investment value of 10 thousand euros. On the other hand, the deposit accounts held on 1 February 2017 offered an average return of 0.74%, corresponding to a gain of about 54.8% net of withholding tax on the same entry ticket of 10 thousand euro. While corporate bonds made up 3.57% on average over 12 months, net of current expenses – or around 264 euros in net income. In January, the average yield of this instrument was negative (gross) for 0.33%. The 5.60% of corresponds to a net gain of between 319 and 431 euros – depending on the rate of taxation applied – calculated on 10 thousand euros invested.

In geographical terms, the ranking of Lombardy still lends itself, with 70 loans . Second largest applicant for Campania with 37 loans, followed by Lazio (36) and Puglia (35); follows the Veneto with 17 loans and Piedmont with 14; stops Tuscany at 12 and Emilia Romagna at 11.

The most active sector is the services sector, with 28.4% of the total market , followed by trade (with a 23.1% share of the lender in addition to 14% of wholesale trade); industry and production remain steady at 16.7% and the building industry stands at 10.2%.


The accountant can find loan to his clients


“PRO” is born: the accountant can find loan to his clients

Accountants and business consultants are often points of reference for Italian entrepreneurs, not only from a fiscal point of view, but also for everything related to the management of accounts. This is why we have designed and implemented an innovative tool called ” Borsadelloano PRO “, the first loan research portal dedicated to professionals working for companies . A tool to sign up for free and simple to use, which allows accountants and consultants to expand their range of services for entrepreneurs, giving the opportunity to become a point of reference for the company at 360 ° .

Suffice it to say that companies in Italy are 95% ” micro-enterprises ” (with less than 10 employees and less than 2 million euros in turnover) *, for the most part composed by the individual entrepreneur or family management. Based on these data, confirmed by our experience in the field with , we have highlighted what has been a gap for accountants and consultants so far: the lack of a tool to assess the opportunities for access to loan for the companies they manage.

The services offered – the objective of Borsadelloano PRO is to give to accountants and business consultants the possibility of offering many more solutions to their clients on the side of the search for loan:

  • Compare and choose the loan proposals available with our partner banks;
  • Quickly verify access to the State Guarantee Fund or other guarantees, such as consortium ones;
  • Search for and find the facilities that customers may be entitled to;
  • Easily compile the Business Plan , obtaining personalized documents that can be submitted to banks or confidi and useful for access to the State Guarantee Fund

How it works – PRO is free and has been realized paying great attention to usability, therefore to the ease of use , with the aim of providing professionals who work with companies a simple, personalized management panel without software to download, to use from your desk and on mobile devices.



There are two levels of accounts :

  • BASE : always free, allows you to enter an unlimited number of companies and compare for them the possibilities of access to loan with our partner banks;
  • PREMIUM : in addition to loan research services, it allows the use of an evaluation package and accessory services to the most interesting facilities at national level : access to a database of facilities that is constantly updated; calculation of access to the State Guarantee Fund; compilation of a professional business plan ready for access to the Guarantee Fund for startups. The package of services, the only one of its kind on the market, is accessible through subscriptions starting from € 34.90 a month.

Registration, as anticipated, is always free . Once registered, the professional has 15 days of free trial with the PREMIUM account, after which he can decide whether to continue with the basic account or take advantage of the service package for benefits.

Accountants and consultants now have the opportunity to find loan solutions for companies completely online, with one of our consultants always available.


Business Angel: “angels” of loan for startups


Business Angel: “angels” of loan for startups


What is the main obstacle for an innovative startup , young and with a winning idea? Finding loan to grow and enter the market. Obtaining financing through banks is not always easy for a company that has just been born and without budgets to be evaluated. But budgets are not the object of evaluation of Business Angels , investors who can decide to focus on a startup, accompanying it in the business world.

We had already talked about the advantages of loan from private investors describing the world of Private Equity . Today we want to deepen the figure of the Business Angel.

Who is the Business Angel? – It is a private individual, usually a figure of great experience in the economic-financial world, often a manager. Its activity is to bring capital for the development of a company , after evaluating risks and opportunities.
For a startup it can therefore be very useful to count not only on private financing, but also on the experience that such a figure can bring to its business.

How do I get in touch with a Business Angel? First of all we suggest you to contact the IBAN that has the task of putting in contact the companies and Business Angel.

Furthermore, this well-prepared contact must be reached, supported by complete and convincing documentation . Nicola Santangelo explains it well on the portal:

Before deciding to invest a business, the business angels evaluate 5 or 6 companies in depth: characteristics of the product or service on which it invests, growth potential , managerial capacity , competence and motivation of the team.

Typical waste cause: high level of risk; lack of confidence of the entrepreneur; drafting of unsatisfactory business plans.

The business plan is fundamental to obtaining funding as it describes the business project , the strategic choices and the operating methods, the economic prospects and the financial needs connected to the project … keep reading on