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U.S. Banker January 2008 Michael Sisk |
The Rise of Lending Communities Peer-to-peer lending holds valuable clues to the nature of lending and borrowing.  |
Registered Rep. June 25, 2014 John Kador |
An Advisor's Guide to Peer-to-Peer Investing Lending between individuals has been around since the beginning of human civilization. It may be the world's second-oldest profession.  |
Entrepreneur May 2008 Scott Bernard Nelson |
Between Peers Could a new wave of social lending sites be a good place for your investment dollars?  |
HBS Working Knowledge September 22, 2014 Karen Mills |
Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth.  |
The Motley Fool October 16, 2006 Joseph Khattab |
Peer-to-Peer Lending Makes Waves A new trend in online lending challenges traditional banking. Peer-to-peer lending sounds like fun and games, but there's always risk involved with lending.  |
Inc. August 2006 Alex Salkever |
Brother, Can You Spare a Dime? The new alternative to banks and VCs: person-to-person lending.  |
The Motley Fool December 4, 2006 Dan Caplinger |
Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.  |
Entrepreneur July 2006 Carol Tice |
Fund Do Business borrowers and individual lenders come together on this new site.  |
Bank Systems & Technology September 29, 2005 Maria Bruno-Britz |
People Who Need People (And Their Money) Imagine if private citizens in search of loans were able to go online and receive their money from lenders - who just so happen to be private citizens as well? This unlikely concept actually is being put into action in the U.K. by a company called Zopa.  |
Reason March 2009 Katherine Mangu-Ward |
Lender Ender Threats from state and federal regulators have led Prosper, an online auction site that allowed individuals to negotiate private loans, to suspend its operations and leaves its future uncertain.  |
Entrepreneur February 2008 Rosalind Resnick |
Nothing Personal How can you protect yourself and your assets from risk when securing a business loan?  |
U.S. Banker September 2010 Bonnie McGeer |
Finding the Right Match Online loan exchanges like BoeFly and Biz2Credit are gaining traction as banks look for new ways to find more small-business borrowers.  |
National Real Estate Investor June 1, 2005 Kingsley Greenland |
Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry.  |
Inc. May 2006 Nadine Heintz |
The eBay of Money Lending A new website called Prosper allows registered users to post proposals that solicit loans from other users on the site - up to $25,000, at a wide range of interest rates.  |
U.S. Banker January 2008 Michael Sisk |
Keeping The Spigot Open The fact is not lost on banks that American consumers are, by and large, still employed and paying their bills. Credit is, and will be, still available.  |
BusinessWeek May 1, 2008 |
Navigating the Crunch A financial aid expert explains how borrowers can best ride it out.  |
Commercial Investment Real Estate Jul/Aug 2004 Brown & Weiss |
The Money Race Borrowers benefit as lenders chase commercial property deals.  |
The Motley Fool June 7, 2011 Cindy Johnson |
More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.  |
U.S. Banker November 2001 John Hackett |
Ethically Tainted A number of banks are moving into variations of payday lending, the high-yielding business that some observers would describe as predatory. But those who participate in such lending say they're no different than banks that charge high fees for bounced checks...  |
Reason March 2009 Veronique de Rugy |
Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.  |
The Motley Fool February 15, 2011 Selena Maranjian |
Good Credit Won't Save You Now The "adverse market" surcharge could cost mortgage borrowers thousands annually.  |
Bank Technology News October 2008 Clark Abrahams |
Reverse Reengineering of Risk The science of risk scoring needs some tweaking.  |
BusinessWeek June 10, 2010 Schmidt & Westbrook |
An Online Lender Takes on the SEC Peer-to-peer lender Prosper Marketplace says it shouldn't be treated like an investment firm.  |
U.S. Banker November 2005 |
Wading Through HMDA-Data Muck What does the new Home Mortgage Disclosure Act data show about banks' lending practices when it comes to racial, ethnic and gender differences? It's clear what it says, but it's not clear what it means.  |
Bank Systems & Technology August 1, 2007 Maria Bruno-Britz |
Lenders Focus on Customer Relationships Lenders are challenged to find ways to grow revenue in a more risk-averse climate. As always, technology is playing a key role in their efforts to adapt to the new market conditions.  |
U.S. Banker November 2008 Clark Abrahams |
Reverse Reengineering of Risk As the recent mortgage crisis has exposed, the science of risk scoring needs some tweaking.  |
Commercial Investment Real Estate Jul/Aug 2010 David C. Hannah |
Community Banks Step Into a New Role Banks can band together with other similarly situated community banks to share the credit risk through a loan participation or syndication arrangement.  |
Inc. January 1, 2003 Martin Mayer |
A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?  |
The Motley Fool March 5, 2007 Dan Caplinger |
Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.  |
The Motley Fool January 31, 2005 Selena Maranjian |
Beware of Payday Lending Don't be a victim of highway robbery: Avoid the predatory practices of those who offer paycheck advances.  |
Commercial Investment Real Estate Sep/Oct 2003 Peltin & Swibel |
Lenders Tighten Loan Standards in Reaction to Uncertain Economy With interest rates at record lows, demand for new mortgage loans remains strong. However, in today's anemic economic climate, lenders face increased risk of making non-performing loans. Commercial lenders have implemented new safeguards and follow stricter policies to minimize exposure.  |
BusinessWeek April 11, 2005 Justin Hibbard |
The Fed Eyes Subprime Loans Battles over lending to low-income, often minority, home buyers used to be about access to credit. Now they're about access to affordable credit. If new lending data hints at unfair pricing, lenders may have to take a good, hard look at their methods.  |
This Old House L. Gallant & D. Snoonian |
The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you.  |
Entrepreneur July 2007 Carol Tice |
Peer Power Look online for funding by the people, for the people.  |
National Real Estate Investor February 1, 2007 Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.  |
This Old House Sid Davis |
Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal.  |
U.S. Banker May 2008 |
As the Credit Crisis Grinds On, Lending Falls Off the Cliff The current climate for loan production might not be Great Depression 2.0, but try telling that to someone with less than perfect credit.  |
The Motley Fool January 22, 2007 Nathan Parmelee |
Can Japanese Consumer Lenders Survive? There is little reason to think the fortunes of Japanese consumer lenders will improve. Investors, take note.  |
AskMen.com March 4, 2001 Luis Rodrigues |
The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer...  |
Fast Company April 1, 2007 Michael A. Prospero |
A Borrower or a Lender Be How Prosper.com is personalizing personal finance.  |
Entrepreneur July 2007 Crystal Detamore-Rodman |
No Limits Choosing a bank with fewer lending limitations will keep you from hitting a credit roadblock when you need financing most.  |
Bank Technology News December 2002 Melissa Solomon |
Making the Most of Refis Mortgage lenders and analysts support the idea of an effective prepayment tool that would assign numbers to individual borrowers based on their propensity to refinance, but they're cautious in their optimism.  |
FDIC FYI January 29, 2003 |
Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe.  |
U.S. Banker March 2011 Steve Garmhausen |
SBA Revamps Lending for Underserved Markets After too many defaults and too little loan volume for its Community Express program, the SBA is starting over -- and excluding banks this time.  |
The Motley Fool August 16, 2007 John Rosevear |
Buying a Home During the Storm Essentially, what's going on is that the mortgage industry -- along with Wall Street -- is rethinking the appropriate pricing for taking on the risk of a borrower with a less-than-prime credit history.  |
HBS Working Knowledge August 4, 2014 |
Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.  |
Entrepreneur August 2003 Crystal Detamore-Rodman |
Give 'Em Credit They're not just for car loans and home mortgages. Now credit unions are making business loans.  |
U.S. Banker May 2007 Lee Conrad |
Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.  |
The Motley Fool August 29, 2008 Chuck Saletta |
Avoid This Company Like the Plague Online-lending pioneer Prosper.com has botched the execution of that concept.  |
FDIC FYI September 17, 2003 Susan Burhouse |
Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.  |