Emma Cox is Sales Director for the Commercial Mortgages business within the Property Finance Division of Shawbrook Bank, a leading savings and lending bank servicing the professional investor and landlord community. Emma manages Shawbrook Commercial’s nationwide field sales team – one of the largest of its kind in the marketplace. Emma works closely with the Commercial team’s network of professional Broker Partners, and, with nearly two decades of experience in the mortgage industry, plays a pivotal role in representing their requirements and feeding this into the overall business strategy.
Emma said that ‘direct lending’ means different things to different people, depending on the funding source and end customers.
Rod clarified that LendInvest is not a P2P platform – he now sees the business as an ‘alternative fund manager’, and it is registered with the FCA as such.
Andrea said that, when looking at this space, institutional investors will consider the track records of lenders, the people on board, the technology that is used to support the business, and methods of ensuring they have skin in the game.
Rod also said that operating an off-balance sheet model (such as P2P) is a great way to scale a lender quickly and efficiently.