{"id":6913,"date":"2022-04-20T08:47:26","date_gmt":"2022-04-20T07:47:26","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=6913"},"modified":"2022-04-20T13:32:18","modified_gmt":"2022-04-20T12:32:18","slug":"paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\/","title":{"rendered":"Paul Smee: Sut olwg fydd ar y farchnad gyllid amgen dros yr ychydig fisoedd nesaf?"},"content":{"rendered":"<p>Mae busnesau bach yn aml yn gweld cael mynediad at gyllid yn her enfawr. Mae benthyca amgen yn derm eang a ddefnyddir i ddisgrifio unrhyw gyllid busnes nad yw\u2019n dod gan ddarparwr prif ffrwd fel banc stryd fawr.<\/p>\n<p>Mae Benthyciadau Busnes BCRS yn &#039;SCDC&#039; (Sefydliad Ariannol Datblygu Cymunedol), a elwir hefyd yn Ddarparwr Cyllid Cyfrifol, ac felly fe&#039;i sefydlwyd yn benodol i gefnogi busnesau bach nad ydynt yn gallu ticio pob un o&#039;r blychau gyda benthycwyr eraill. Rydym yn deall bod angen hwb ariannol yn aml i helpu busnesau i gymryd y cam nesaf ac mae ein cronfeydd benthyca wedi\u2019u cynllunio\u2019n arbennig i ddiwallu anghenion busnesau bach a chanolig yng Ngorllewin Canolbarth Lloegr nad ydynt yn gallu cael gafael ar gyllid o ffynonellau traddodiadol, megis banciau.<\/p>\n<p>Gwnaethom siarad \u00e2 Chadeirydd y Bwrdd, Paul Smee i ofyn am ei farn ar sut olwg fydd ar y farchnad gyllid amgen dros yr ychydig fisoedd nesaf. Daliwch ati i ddarllen i ddarganfod mwy.<\/p>\n<p><em>\u201cFlwyddyn yn \u00f4l, helpais i uno cymdeithas fasnach fechan yr oeddwn yn Gadeirydd arni \u2013 cymdeithas Gyllid P2P. Roedd y Gymdeithas wedi&#039;i sefydlu fel hunanreoleiddiwr ond roedd cyflwyno&#039;r FCA i&#039;r gofod rhwng cymheiriaid braidd wedi cael gwared ar ei raison d&#039;etre felly roedd yn gwneud synnwyr i&#039;r gr\u0175p uno ag Innovate Finance. Yr hyn sydd wedi digwydd ers hynny sy&#039;n gwneud y digwyddiad yn werth ei gofnodi. \u00a0<\/em><\/p>\n<p><em>\u00a0<\/em><em>\u201cYn ystod y deuddeg mis nesaf, mae tri o brif bileri\u2019r farchnad cymar-i-gymar wedi newid eu modelau busnes yn sylweddol. Mae Zopa wedi dod yn fanc; Mae Funding Circle yn cau ei fusnes manwerthu ac mae Rate Setter wedi dod yn rhan o Metro Bank. Mae hyn i gyd yn dangos bod marchnadoedd ariannu mewn cyflwr o newid wrth i&#039;r economi ddod allan o&#039;r pandemig ac y bydd eu daearyddiaeth yn parhau i esblygu. Mae&#039;n werth nodi bod y newidiadau hyn mewn strwythur busnes wedi digwydd yn y b\u00f4n pan ddaeth y farchnad cymar-i-gymar ar draws blaenwyntoedd difrifol yn y farchnad am y tro cyntaf. Ac mae\u2019n gadael y cwestiwn i fenthycwyr cydweithredol fel BCRS \u201ca allai rhywbeth tebyg ddigwydd yn ein rhan ni o\u2019r farchnad\u201d? Ai banciau yw&#039;r unig fath o sefydliad benthyca a all reidio&#039;r cylch busnes?<\/em><\/p>\n<p><em>\u00a0<\/em><em>\u201cEfallai mai dyna\u2019r cwestiwn anghywir; bydd newidiadau corfforaethol ac o bosibl bydd hunaniaeth rhai chwaraewyr yn newid; sut na allai fod mewn amgylchedd byd-eang gwleidyddol ac economaidd mor gyfnewidiol? Ond nid oes unrhyw anochel rhesymegol bod yn rhaid i\u2019r dull \u201cdarlun mawr\u201d cyffredinol o wneud busnes fynd trwy newid sydyn a radical. Mae benthycwyr fel BCRS wedi bod ar gefn y cylch economaidd ers ychydig ddegawdau ac mae&#039;r model wedi dangos gwytnwch mewn amrywiaeth o amodau&#039;r farchnad.\u00a0<\/em><\/p>\n<p><em>\u00a0<\/em><em>\u201cY rheswm am hyn? Rwy\u2019n amau bod ganddo rywbeth i\u2019w wneud \u00e2 natur bersonol y gwasanaeth y mae benthycwyr fel BCRS yn ei gynnig i fusnesau sydd angen cyllid. Nid yw&#039;n ymwneud ag ansawdd technoleg platfform na soffistigedigrwydd methodoleg benthyca. Bydd ganddo rywbeth i&#039;w wneud \u00e2&#039;r cymorth y gall t\u00eem BCRS ei gynnig i fusnes bach; gyda&#039;u dealltwriaeth o farchnadoedd lleol; a gyda&#039;r profiad y mae BCRS wedi&#039;i ddatblygu wrth gyflawni cynlluniau&#039;r Llywodraeth (a rhai cyllidwyr eraill) sy&#039;n cyflenwi cyllid i&#039;r cwmni sy&#039;n datblygu. Wrth gwrs, nid yw\u2019r gwasanaethau hyn ar gyfer pob ceisiwr ar \u00f4l cyllid, ond maent yn cynnig llwybr gwahanol a allai fod i\u2019w groesawu i rai. Mae\u2019n gilfach bwysig a, gyda rhai llwybrau eraill ar gyfer cyllid yn mynd drwy rejigiau difrifol, ni allaf weld y pwysigrwydd hwnnw\u2019n lleihau ar yr adeg gythryblus bresennol. \u00a0<\/em><\/p>\n<p><em>\u00a0<\/em><em>\u201cNid yw Datganiad y Gwanwyn (a oedd yn arfer bod yn yr Hydref) yn ymddangos yn fawr o newidiwr chwaith. Efallai bod yn rhaid i ni aros am Gyllideb yr Hydref (a oedd yn arfer bod yn y gwanwyn; daliwch ati yn y cefn) am unrhyw fentrau newydd arwyddocaol. Bydd BCRS yn parhau i feithrin ei llwybrau traddodiadol tra&#039;n chwilio am y cyfleoedd y gall cynlluniau newydd, offerynnau newydd a dulliau newydd eu cynnig. Nid oes angen i ni rwygo\u2019r cynfas presennol i wasanaethu ein cwsmeriaid yn y dyfodol.\u201d \u00a0 \u00a0<\/em><\/p>\n<p>Pennaeth i\u00a0<a href=\"https:\/\/bcrs.org.uk\/cy\/\">www.bcrs.org.uk<\/a>\u00a0i ddarganfod mwy amdanom ni a sut y gallwn gefnogi eich busnes.<\/p>\n<p><a href=\"https:\/\/bcrs.org.uk\/cy\/category\/blog\/\">Cliciwch yma<\/a>\u00a0i ddarllen mwy o dudalen blog BCRS.<\/p>\n<p>Dilynwch ni ar gyfryngau cymdeithasol<\/p>\n<p><a href=\"https:\/\/twitter.com\/B_C_R_S\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4399\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png\" alt=\"Twitter-logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t.png 451w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/t-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>@B_C_R_S<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/company\/bcrs-small-business-loans\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4400\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png\" alt=\"LinkedIn Logo\" width=\"40\" height=\"40\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter.png 456w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-150x150.png 150w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-300x300.png 300w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2019\/08\/twitter-350x350.png 350w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>Benthyciadau Busnes @BCRS<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Mae busnesau bach yn aml yn gweld cael mynediad at gyllid yn her enfawr. Mae benthyca amgen yn derm eang a ddefnyddir i ddisgrifio unrhyw gyllid busnes nad yw\u2019n dod gan ddarparwr prif ffrwd fel banc stryd fawr. Mae Benthyciadau Busnes BCRS yn \u2018SCDC\u2019 (Sefydliad Ariannol Datblygu Cymunedol), a elwir hefyd yn Ddarparwr Cyllid Cyfrifol, ac felly fe\u2019i sefydlwyd yn benodol\u2026<\/p>","protected":false},"author":12,"featured_media":6921,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-6913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Paul Smee: What will the alternative finance market look like over the next few months? - BCRS Business Loans<\/title>\n<meta name=\"description\" content=\"We caught up with Paul Smee to ask his views on what the alternative finance market will look like over the next few months.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bcrs.org.uk\/cy\/blog\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paul Smee: What will the alternative finance market look like over the next few months? - BCRS Business Loans\" \/>\n<meta property=\"og:description\" content=\"We caught up with Paul Smee to ask his views on what the alternative finance market will look like over the next few months.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bcrs.org.uk\/cy\/blog\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\/\" \/>\n<meta property=\"og:site_name\" content=\"BCRS Business Loans\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-20T07:47:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-20T12:32:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2022\/04\/External-Team-Roles.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1350\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lauren McGowan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@B_C_R_S\" \/>\n<meta name=\"twitter:site\" content=\"@B_C_R_S\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lauren McGowan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 munud\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/\"},\"author\":{\"name\":\"Lauren McGowan\",\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/#\\\/schema\\\/person\\\/6b7a7e914fa089de6c2d2911bb7f86db\"},\"headline\":\"Paul Smee: What will the alternative finance market look like over the next few months?\",\"datePublished\":\"2022-04-20T07:47:26+00:00\",\"dateModified\":\"2022-04-20T12:32:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/\"},\"wordCount\":728,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bcrs.org.uk\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/External-Team-Roles.jpg\",\"articleSection\":[\"Blog\"],\"inLanguage\":\"cy\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/\",\"url\":\"https:\\\/\\\/bcrs.org.uk\\\/blog\\\/paul-smee-what-will-the-alternative-finance-market-look-like-over-the-next-few-months\\\/\",\"name\":\"Paul Smee: What will the alternative finance market look like over the next few months? 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