The Times of India  Sep 26  Comment 
The government has set a target of disbursing Rs 1.22 lakh crore loans by banks to micro and marginal businesses under the Pradhan Mantri MUDRA Yojana (PMMY) by March, finance minister Arun Jaitley said on Friday .
Financial Times  Sep 25  Comment 
Households respond to fears about repayment  Sep 25  Comment 
WASHINGTON (dpa-AFX) - Pope Francis called on financial agencies not to subject countries to "oppressive lending systems" which worsen poverty. In an address to the United Nations General Assembly in New York Friday, the head of the Catholic...
Forbes  Sep 25  Comment 
In the latest sign that alternative lending is going mainstream, marketplace lender Prosper just announced that it has acquired BillGuard for $30 million -- a deal that marks the first time an alternative lender is merging with a personal finance...
The Times of India  Sep 25  Comment 
Since the launch of the scheme by PM Narendra Modi in April this year, loans of Rs 24,000 crore have been disbursed to about 37 lakh small entrepreneurs.
Forbes  Sep 25  Comment 
The federal government does a lousy job of telling you about college loan repayment options. Here's what you need to know.
MarketWatch  Sep 25  Comment 
Failure to repay is mortal sin and interest may be nondeductible.
Clusterstock  Sep 25  Comment 
The eurozone's monetary aggregates for August are out — though the figures are bit wonkish, they're good indicators of how the economy's going. Private lending and the growth in the money supply are both measured by the European central...
Clusterstock  Sep 25  Comment 
Starbucks is getting into the loans business. The coffee chain is going to start lending its staff in the UK interest-free sums to help them put down a deposit to pay for a house, the Financial Times reports. The report doesn't give details on...
The Economic Times  Sep 24  Comment 
As China's stock boom turned to bust in June, traders started to cut a record pile of debt on speculation valuations were unjustified.



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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