The Times of India  7 hrs ago  Comment 
The government is set to clear a mega debt restructuring next week for nine state power distribution companies as part of an exercise to reviatilise the sector and clean-up bank balance sheets.
Southeast Farm Press  11 hrs ago  Comment 
As the 2015 U.S. peanut harvest rolls on, some things are being learned about peanuts under the current farm bill. Peanut farmers will need to continue to watch, or watch better, how they market their peanuts. read more
Financial Times  11 hrs ago  Comment 
‘Know before you owe’ rules encourage borrowers to read fine print
The Hindu Business Line  Oct 1  Comment 
Nai Manzil scheme to bridge knowledge gap of school dropouts
The Times of India  Oct 1  Comment 
The country's largest private sector bank ICICI on Thursday slashed its benchmark lending rate by 0.35 percentage point to 9.35 per cent, making its home and auto loans cheaper for borrowers.
The Economic Times  Oct 1  Comment 
Prime Minister Narendra Modi will inaugurate the distribution of loans worth Rs 212 crore among more than one lakh people under the Mega MUDRA Yozana.
Forbes  Sep 30  Comment 
Primary volume in the U.S. leveraged loan market fell in the third quarter as opportunistic activity stalled amid choppy conditions. A prolonged August break due to the late Labor Day contributed to the slowdown.
Benzinga  Sep 30  Comment 
OnDeck® (NYSE: ONDK), a leading platform for small business lending, today submitted a response to the U.S. Treasury Department's Request for Information (RFI) on Expanding Access to Credit through Online Marketplace Lending. OnDeck...



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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