The Hindu Business Line  Oct 22  Comment 
While loan growth has been healthy, improving profitability will be key
Benzinga  Oct 21  Comment 
Signs of maturity in the fintech boom are surfacing. Regulators now speak of sandboxes and national charters for fintech companies, and some of the young guns on the scene are starting to add more features to their products. Now, a large fintech...
The Hindu Business Line  Oct 21  Comment 
Nabard on Friday said it has sanctioned a loan of ₹19,702 crore to the National Water Development Agency (NWDA), under the Ministry of Water Resources, River Development & Ganga Rejuvenation, tow...
The Hindu Business Line  Oct 21  Comment 
A healthy growth in loan assets helped Indiabulls Housing Finance Ltd (IBHL) report a net profit of ₹684 crore in the July-October quarter, up 23 per cent from ₹556 crore in the year ago period.Net in...
Clusterstock  Oct 21  Comment 
This story was delivered to BI Intelligence "Fintech Briefing" subscribers. To learn more and subscribe, please click here. UK marketplace lenders issued  £700 million ($861 million) in new loans in Q3 2016, a 6% increase from £685 million...
TechCrunch  Oct 20  Comment 
 Those of us interested in marketplace lending have recently observed many pejorative headlines about P2P lending platforms, which mostly reported on Lending Club’s recent difficulties, but also criticized other platforms and the P2P lending...
The Economic Times  Oct 20  Comment 
The sources added that the first tranche of the 50% cash payment to the Indian lenders will come over the next few days.
USDA  Oct 20  Comment 
WASHINGTON, Oct. 20, 2016 – The U.S. Department of Agriculture (USDA) today announced the availability of a streamlined version of USDA guaranteed loans, which are tailored for smaller scale farms and urban producers. The program, called EZ...
Reuters  Oct 20  Comment 
Atlantic City, New Jersey's cash-strapped gambling resort, voted on Wednesday to sell a defunct airstrip to its water utility for $110 million and present a...



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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