Financial Times  6 hrs ago  Comment 
Newly created bank resolution fund will raise €3.6bn to restructure four small lenders
Reuters  9 hrs ago  Comment 
Gulf banks are rushing to raise money via the loan market by the end of the year in a flurry of activity attributed to a liquidity squeeze caused by lower oil prices, banking sources aware of the matter said on Monday.
The Times of India  Nov 23  Comment 
Asian Development Bank has granted a loan for development of rural roads in West Bengal, part of its $273 million loan given out to five states including Bengal. The 20-year loan is the third and last tranche of an $800 million financing facility...
Reuters  Nov 22  Comment 
China is offering $10 billion in infrastructure loans to Southeast Asian countries, a senior foreign ministry official said on Sunday.
Japan Today  Nov 21  Comment 
Japan will ease yen loan conditions for infrastructure projects in Asia, sources familiar with the matter told Reuters, underlining a strategic move by Tokyo to compete with the new Beijing-led development bank as regional demand for investment...
SeekingAlpha  Nov 21  Comment 
Yahoo  Nov 20  Comment 
"We know the trouble's there but I think a tougher credit market is kind of factored in to a lot of the thinking," said Sandler O'Neill analyst Jeff Harte. Analysts cautioned that any losses at this stage seem relatively small, and could be offset...
Forbes  Nov 20  Comment 
Financial crises take about a decade to be born. Having lived through four of them, I see the raw materials for a fifth one -- flowing from the collapse of so-called leveraged loans -- debt piled on top of companies with weak credit ratings.
BBC News  Nov 20  Comment 
Nationwide reports record of amount of mortgage lending for a six-month period and a 34% rise in profits.



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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