Forbes  4 hrs ago  Comment 
Wall Street's newest profit center? Turning America's top wealth advisors into the lender of choice for the ultrarich.
Yahoo  4 hrs ago  Comment 
Weekly applications for U.S. home mortgages fell to their lowest level in five months even as borrowing costs declined, according to data from an industry group released on Wednesday. The Mortgage Bankers Association said its seasonally adjusted...
Banking Business Review  7 hrs ago  Comment 
Baker Hill has announced the upcoming launch of AppGen, which allows consumers and small businesses to apply for credit cards and loans from any location leveraging a responsive design.
The Economic Times  Aug 3  Comment 
There is no other way for many fledgling financial services firms to make it big in what is called the 'bottom-of-the-pyramid' segment
The Economic Times  Aug 2  Comment 
FITL is giving loan for repaying a loan. Here, a lender gives the borrower money to repay the interest component of the loan.
The Economic Times  Aug 2  Comment 
NBFCs currently command price-to-book multiples of four to eight at a time when some of the leading private sector banks trade at multiples of one-and-ahalf to four.
The Hindu Business Line  Aug 2  Comment 
More demand seen in rural areas: Aspire Home Fin MD
The Hindu Business Line  Aug 2  Comment 
Seventh Pay Commission bonanza, good monsoon likely to boost demand: CMD
Clusterstock  Aug 2  Comment 
Credit keeps the US economy moving. Loans allow businesses to build factories and hire workers, for people to buy homes, and for developers to build retail spaces. So when the spigot of credit gets shut off, the US economy tends to seize...



A loan is an arrangement to borrow money. The lender provides the money with the understanding that the borrower will return the corpus in the future plus interest which gives the lender an incentive to lend out the principal.

Investors use many types of loans for example it could be a purpose loan using securities as collaterall with proceeds from the loan being used to purchase additional securities. [1] Or it could be a Hypothecate loan pledging securities as collateral for a loan to use for a specific purpose, without giving up ownership of the securities. [2]

Loans can broadly be categorized in to two variations:

same day loans

Secured Loans

This is the kind of loan where the borrower pledges some kind of collateral as a security until the principal is paid off completely. The most common example would be a Mortgage Loan, where the lender holds a lien on the house title until it's paid off in full.

Same day cash loans

Secured loans that lack sufficient collateral can sometimes be made by having the lender secure a guarantee from the SBA. Quickcash

Each lender will have their own underwriting criteria for a secured loan, but typically the following five factors of the borrower are considered: 1.) Capital 2.) Capacity 3.) Collateral 4.) Conditions 5.) Character [3]

12 month loans fast

Unsecured Loans

This is the kind of loan where the borrower does not provide a collateral. But, generally should provide proof of regular source of income and / or stable job so that the lenders can weigh their risk and come up with an interest rate for the term of the loan.
Examples would be, credit card loans, personal loans etc,.

13c, to lend, to borrow, originally, to let have, to leave (to someone), gift, loan is attested from 1620s, Loan word (1874), loan-translation is attested 1933. Slang loan shark first attested 1905. [1]


  1. A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton Gordon Malkiel ISBN-10: 0393062457 pg295
  2. A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing by Burton Gordon Malkiel ISBN-10: 0393062457 pg182
Wikinvest © 2006, 2007, 2008, 2009, 2010, 2011, 2012. Use of this site is subject to express Terms of Service, Privacy Policy, and Disclaimer. By continuing past this page, you agree to abide by these terms. Any information provided by Wikinvest, including but not limited to company data, competitors, business analysis, market share, sales revenues and other operating metrics, earnings call analysis, conference call transcripts, industry information, or price targets should not be construed as research, trading tips or recommendations, or investment advice and is provided with no warrants as to its accuracy. Stock market data, including US and International equity symbols, stock quotes, share prices, earnings ratios, and other fundamental data is provided by data partners. Stock market quotes delayed at least 15 minutes for NASDAQ, 20 mins for NYSE and AMEX. Market data by Xignite. See data providers for more details. Company names, products, services and branding cited herein may be trademarks or registered trademarks of their respective owners. The use of trademarks or service marks of another is not a representation that the other is affiliated with, sponsors, is sponsored by, endorses, or is endorsed by Wikinvest.
Powered by MediaWiki