MarketWatch  5 hrs ago  Comment 
New rules that require banks to book losses on projected loan losses up front could cut into some banks’ profits by forcing them to set aside more in reserves.
Forbes  8 hrs ago  Comment 
Curious about how small businesses understand and evaluate the cost of capital, and whether presenting that cost in different ways would affect their choices, Lendio sponsored a survey of a random sample of SMBs across the United States. Our...
NPR  11 hrs ago  Comment 
Some experts say there are better, cheaper alternatives for getting small dollar loans than payday loans, which are often cash sources of last resort.  Jun 16  Comment 
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TechCrunch  Jun 16  Comment 
 Payoff, a 7.5-year-old Costa Mesa, Ca., startup that makes loans for people looking to pay off credit card debt, has just raised a bunch of money and it’s looking to raise even more. According to a new SEC filing, the company has raised $46.7...
Clusterstock  Jun 15  Comment 
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By Jessica DiNapoli NEW YORK (Reuters) - A U.S. bankruptcy judge on Wednesday approved Gawker Media LLC's request to borrow $22 million from an affiliate of buyout firm Cerberus Capital Management LP to help fund the online publisher through its...
Reuters  Jun 15  Comment 
India's Export-Import Bank (Eximbank) will issue a $176.3 million loan to Ivory Coast for public works initiatives, including projects in construction and information technology, Ivorian Prime Minister Daniel Kablan Duncan said on Wednesday.
The Economic Times  Jun 15  Comment 
RBI had issued guidelines on a 'Scheme for Sustainable Structuring of Stressed Assets'(S4A) to further strengthen the lenders' ability to deal with stressed assets.
The Economic Times  Jun 15  Comment 
The move will help these small lenders take better lending decisions, grow their customer base and drive credit penetration.



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
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