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2. Alternative lending for small businesses - AOL

   www.aol.com/finance/alternative-lending-small...

   Obtaining a small business loan can be challenging, especially when banks start to tighten their purse strings. Compared to Q3 2022, new small business lending declined by 18.1 percent in Q3 of ...

3. Alternatives to getting a small business loan at a bank - AOL

   www.aol.com/finance/alternatives-getting-small...

   Key takeaways. If you can’t get approved for a business loan at a bank, there are alternative options ... While traditional loans from big banks have strict requirements, alternative lenders and ...

4. Alternatives to LLC loans

   www.aol.com/finance/alternatives-llc-loans...

   A term loan from a bank or credit union typically offers more favorable rates and repayment terms. But these are hard to qualify for if you are a business owner with bad credit, and they can be ...

5. Peer-to-peer lending - Wikipedia

   en.wikipedia.org/wiki/Peer-to-peer_lending

   During the period from 2006 through October 2008 (referred to as 'Prosper 1.0'), Prosper issued 28,936 loans, all of which have since matured. 18,480 of the loans fully paid off and 10,456 loans defaulted, a default rate of 36.1%. $46,671,123 of the $178,560,222 loaned out during this period was written off by investors, a loss rate of 26.1%.

6. California Department of Financial Protection and Innovation

   en.wikipedia.org/wiki/California_Department_of...

   The department operates under the California Business, Consumer Services and Housing Agency. The DFPI protects California consumers and oversees the operations of state-licensed financial institutions, including banks, credit unions, debt collectors, nonbank mortgage lenders, student loan servicers, money transmitters, and others. Additionally ...

7. Alternative financial services in the United States - Wikipedia

   en.wikipedia.org/wiki/Alternative_financial...

   The consumer finance industry (meaning branch-based subprime lenders) mainly came to fruition in the middle of the twentieth century. At that time, these companies were all stand-alone companies not owned by banks and an alternative to banks. However, at that time, the companies were not focused on subprime lending. Instead, they attempted to ...

8. 10 alternatives to personal loans and who they’re for - AOL

   www.aol.com/finance/alternatives-personal-loans...

   Key takeaways. Alternative personal loan options include credit cards, home equity loans and buy now, pay later plans. Each alternative has benefits and drawbacks to consider.

9. Wholesale funding - Wikipedia

   en.wikipedia.org/wiki/Wholesale_funding

   Wholesale funding is a method that banks use in addition to core demand deposits to finance operations, make loans, and manage risk. In the United States wholesale funding sources include, but are not limited to, Federal funds, public funds (such as state and local municipalities), U.S. Federal Home Loan Bank advances, the U.S. Federal Reserve's primary credit program, foreign deposits ...