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Author : Traci L. Mach
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (931 download)
Download or read book Peer-to-peer Lending to Small Businesses written by Traci L. Mach and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. House. Committee on Small Business
Publisher :
ISBN 13 :
Total Pages : 56 pages
Book Rating : 4.F/5 ( download)
Download or read book Bridging the Small Business Capital Gap written by United States. Congress. House. Committee on Small Business and published by . This book was released on 2015 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jin-hyuk Kim
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (118 download)
Download or read book The Impact of Peer-to-peer Lending on Small Business Loans written by Jin-hyuk Kim and published by . This book was released on 2020 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: We investigate the impact of peer-to-peer lending on the small business loans originated by US depository institutions that are subject to the Community Reinvestment Act. We present a model where a borrower can choose between a traditional bank and a crowdlending platform and show that the entry of crowdlending can induce a switching effect as well as a credit expansion effect. Using the staggered entry of LendingClub across states between 2009 and 2017, we find that the platform entry reduced the small business loans originated by banks, in particular, in the low- or moderate-income tracts as well as in the distressed middle-income tracts with a high poverty rate. A conservative estimate suggests that the crowdlending entry may have reduced the aggregate lending volume to small businesses.
Author : Management Association, Information Resources
Publisher : IGI Global
ISBN 13 : 179981761X
Total Pages : 1687 pages
Book Rating : 4.7/5 (998 download)
Download or read book Start-Ups and SMEs: Concepts, Methodologies, Tools, and Applications written by Management Association, Information Resources and published by IGI Global. This book was released on 2020-01-03 with total page 1687 pages. Available in PDF, EPUB and Kindle. Book excerpt: Smaller companies are abundant in the business realm and outnumber large companies by a wide margin. To maintain a competitive edge against other businesses, companies must ensure the most effective strategies and procedures are in place. This is particularly critical in smaller business environments that have fewer resources. Start-Ups and SMEs: Concepts, Methodologies, Tools, and Applications is a vital reference source that examines the strategies and concepts that will assist small and medium-sized enterprises to achieve competitiveness. It also explores the latest advances and developments for creating a system of shared values and beliefs in small business environments. Highlighting a range of topics such as entrepreneurship, innovative behavior, and organizational sustainability, this multi-volume book is ideally designed for entrepreneurs, business managers, executives, managing directors, academicians, business professionals, researchers, and graduate-level students.
Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781981440641
Total Pages : 54 pages
Book Rating : 4.4/5 (46 download)
Download or read book Bridging the Small Business Capital Gap written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-12-06 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bridging the small business capital gap : peer-to-peer lending : hearing before the Committee on Small Business, United States House of Representatives, One Hundred Fourteenth Congress, first session, hearing held May 13, 2015.
Author : United States. Congress
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781976544514
Total Pages : 54 pages
Book Rating : 4.5/5 (445 download)
Download or read book Bridging the Small Business Capital Gap written by United States. Congress and published by Createspace Independent Publishing Platform. This book was released on 2017-09-20 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bridging the small business capital gap : peer-to-peer lending : hearing before the Committee on Small Business, United States House of Representatives, One Hundred Fourteenth Congress, first session, hearing held May 13, 2015.
Author : Karen G. Mills
Publisher : Springer Nature
ISBN 13 : 3031556127
Total Pages : 285 pages
Book Rating : 4.0/5 (315 download)
Download or read book Fintech, Small Business and the American Dream written by Karen G. Mills and published by Springer Nature. This book was released on 2024 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don't know how much money or what kind of loan they need. Every small business is different; one day the borrower is a dry cleaner and the next a parts supplier, making it difficult for lenders to understand each business's unique circumstances. Today, however, big data and artificial intelligence have the power to illuminate the opaque nature of a small business's finances and make it easier for them access capital to weather bumpy cash flows or to invest in growth opportunities. Beginning in the dark days following the 2008-9 recession and continuing through the crisis of the Covid-19 Pandemic, Mills charts how fintech has changed and will continue to change small business lending. In the new fintech landscape financial products are embedded in applications that small business owners use on daily basis, and data powered algorithms provide automated insights to determine which businesses are creditworthy. Digital challenger banks, big tech and traditional banks and credit card companies are deciding how they want to engage in the new lending ecosystem. Who will be the winners and losers? How should regulators respond? In this pivotal moment, Mills elucidates how financial innovation and wise regulation can restore a path to the American Dream by improving access to small business credit. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, this second edition of Fintech, Small Business & the American Dream is relevant to bankers, regulators and fintech entrepreneurs and investors; in fact, to anyone who is interested in the future of small business in America.
Author : Ty Kiisel
Publisher : Apress
ISBN 13 : 1430249986
Total Pages : 194 pages
Book Rating : 4.4/5 (32 download)
Download or read book Getting a Business Loan written by Ty Kiisel and published by Apress. This book was released on 2013-11-04 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Describes alternative lending sources for small businesses, as well as traditional funding sources.
Author : United States. Congress. House. Committee on Small Business
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (124 download)
Download or read book Bridging the Small Business Capital Gap written by United States. Congress. House. Committee on Small Business and published by . This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book SMALL BUSINESS BORROWING AND PEER‐TO‐PEER LENDING: EVIDENCE FROM LENDING CLUB. written by and published by . This book was released on 2017 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Abstract : We investigate the ability of small business borrowers to signal to investors their credit worthiness through the use of text descriptions in the peer‐to‐peer lending market. Specifically, we examine the relationship between the loan description written by a borrower and whether or not the project is funded by investors. Using textual analysis, we find that small business loan descriptions can be used to predict the likelihood that the loan will be funded. We also find that an index, created from a textual analysis of the words used in the loan description, can forecast the performance of the loan, specifically whether or not the loan defaults. This index has the strongest impact when we focus on borrowers with low FICO scores, suggesting that for these individuals the description can signal information that standard measures used for lending purposes cannot. Overall, it appears as though investors are making investment decisions based on proper and relevant signals given by the borrowers through the loan description. ( JEL D47, D53, D82, D83, G14, G21).
Author : Karen G. Mills
Publisher : Springer
ISBN 13 : 3030036200
Total Pages : 202 pages
Book Rating : 4.0/5 (3 download)
Download or read book Fintech, Small Business & the American Dream written by Karen G. Mills and published by Springer. This book was released on 2019-03-12 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: Small businesses are the backbone of the U.S. economy. They are the biggest job creators and offer a path to the American Dream. But for many, it is difficult to get the capital they need to operate and succeed. In the Great Recession, access to capital for small businesses froze, and in the aftermath, many community banks shuttered their doors and other lenders that had weathered the storm turned to more profitable avenues. For years after the financial crisis, the outlook for many small businesses was bleak. But then a new dawn of financial technology, or “fintech,” emerged. Beginning in 2010, new fintech entrepreneurs recognized the gaps in the small business lending market and revolutionized the customer experience for small business owners. Instead of Xeroxing a pile of paperwork and waiting weeks for an answer, small businesses filled out applications online and heard back within hours, sometimes even minutes. Banks scrambled to catch up. Technology companies like Amazon, PayPal, and Square entered the market, and new possibilities for even more transformative products and services began to appear. In Fintech, Small Business & the American Dream, former U.S. Small Business Administrator and Senior Fellow at Harvard Business School, Karen G. Mills, focuses on the needs of small businesses for capital and how technology will transform the small business lending market. This is a market that has been plagued by frictions: it is hard for a lender to figure out which small businesses are creditworthy, and borrowers often don’t know how much money or what kind of loan they need. New streams of data have the power to illuminate the opaque nature of a small business’s finances, making it easier for them to weather bumpy cash flows and providing more transparency to potential lenders. Mills charts how fintech has changed and will continue to change small business lending, and how financial innovation and wise regulation can restore a path to the American Dream. An ambitious book grappling with the broad significance of small business to the economy, the historical role of credit markets, the dynamics of innovation cycles, and the policy implications for regulation, Fintech, Small Business & the American Dream is relevant to bankers, fintech investors, and regulators; in fact, to anyone who is interested in the future of small business in America.
Author : Daniel Shore
Publisher : Freegulls Publishing House
ISBN 13 :
Total Pages : 59 pages
Book Rating : 4./5 ( download)
Download or read book Business Loans written by Daniel Shore and published by Freegulls Publishing House. This book was released on with total page 59 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the dynamic world of entrepreneurship, access to capital is often the lifeblood of success. Whether you're launching a startup, expanding an existing venture, or weathering unforeseen challenges, securing the right business loan can be a crucial step towards achieving your goals. This book is designed to be your comprehensive guide through the intricate landscape of business lending. From understanding the different types of loans available to navigating the application process and managing loan funds effectively, we'll walk you through every stage of the journey. Starting and running a small business is no small feat. It requires vision, determination, and, of course, financial resources. But with the right knowledge and preparation, obtaining and utilizing a business loan can become a strategic tool in your entrepreneurial arsenal. Whether you're a seasoned business owner or just starting out, this book aims to demystify the world of business loans, empowering you to make informed decisions that will propel your business forward. Let's embark on this journey together, as we unlock the doors to financial opportunity and success for your small business.
Author : Linda A. Jenkins
Publisher : Gold Alliance Group
ISBN 13 : 098377952X
Total Pages : 51 pages
Book Rating : 4.9/5 (837 download)
Download or read book Creative Financing written by Linda A. Jenkins and published by Gold Alliance Group. This book was released on 2014-11-14 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: The world of small business finance has changed. Creative Financing: How to Get a Business Loan without a Banker, is your guide to effectively using social lending to finance your company. A business guide on peer to peer lending and introduction to crowdfunding resources by Linda A. Jenkins, CEO of Gold Alliance Group. (This version includes additional funding resources updated for 2014). CONTENTS Chapter 1 - What is Social Lending? Chapter 2 - Social Lending vs. Traditional Business Loans Chapter 3 - Social Lending Networks Chapter 4 - Increase Your Chances of Getting Funded Chapter 5 - Options for Online Merchants Chapter 6 - Options for Retailers Chapter 7 - AMEX Merchant Financing Chapter 8 - Kickstarter Chapter 9 - Family Loans Chapter 10 - The Changing Face of Business Finance
Author : Theo Lynn
Publisher : Springer
ISBN 13 : 3030023303
Total Pages : 194 pages
Book Rating : 4.0/5 (3 download)
Download or read book Disrupting Finance written by Theo Lynn and published by Springer. This book was released on 2018-12-06 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access Pivot demonstrates how a variety of technologies act as innovation catalysts within the banking and financial services sector. Traditional banks and financial services are under increasing competition from global IT companies such as Google, Apple, Amazon and PayPal whilst facing pressure from investors to reduce costs, increase agility and improve customer retention. Technologies such as blockchain, cloud computing, mobile technologies, big data analytics and social media therefore have perhaps more potential in this industry and area of business than any other. This book defines a fintech ecosystem for the 21st century, providing a state-of-the art review of current literature, suggesting avenues for new research and offering perspectives from business, technology and industry.
Author : Karlene Sinclair-Robinson
Publisher : Karlene Sinclair-Robinson
ISBN 13 : 1432748092
Total Pages : 152 pages
Book Rating : 4.4/5 (327 download)
Download or read book The Small Business Owner's Guide to Alternative Funding written by Karlene Sinclair-Robinson and published by Karlene Sinclair-Robinson. This book was released on 2010-02 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Use of Alternative Funding in Today's Market is Crucial Our current national financial situation makes it even harder for small businesses to qualify for bank financing. Balancing the scale in this arena is vital, but will it even out for you? This handy book >is here to guide you through the maze of options that might be of benefit to your company. You'll better understand the various financial options available, and how to access them, including tips on: Personal Financing Peer-to-Peer Lending Microloans Asset-Based Loans Factoring and Accounts Receivable Financing Merchant Cash Advance Purchase Order Financing Equipment Lease Financing Commercial Real Estate Financing Venture Capital Financing You'll also find valuable information on getting your small business started and the basic principles every owner should know. Help make your business a success and know your options!
Author :
Publisher : GRIN Verlag
ISBN 13 : 3668440360
Total Pages : 22 pages
Book Rating : 4.6/5 (684 download)
Download or read book Analysis of Peer-to-Peer Lending Platforms in the UK written by and published by GRIN Verlag. This book was released on 2017-05-03 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt: Essay from the year 2016 in the subject Business economics - Banking, Stock Exchanges, Insurance, Accounting, grade: 1,0, Edinburgh Napier University, language: English, abstract: Due to the exponential rate at which technology has developed in recent years, plentiful new businesses have established. The digital revolution is challenging many well situated, regulated and often conservative industries, such as the financial service industry. Several financial technology start-up companies, also known as Finance Technology Companies (FinTechs), thereby constitute as competitors to traditional retail banks by accessing technological innovations. While the FinTech “eToro” is challenging the investment divisions, start-ups like “Transferwise” are putting pressure on the prices for payment and transfer services. The largest market volumes of so-called alternative finance models in the United Kingdom (UK) have peer-to-peer (P2P) lending businesses, such as ZOPA. P2P, or social lending allows individuals to borrow and lend money to each other directly, without intermediate financial institution, such as retail banks. Subsequently, the global trend of disintermediation also arose in the banking industry. After reviewing relevant literature the market power of P2P lending as well as its impact on the financial services industry over the last ten years will be assessed. Furthermore, this essay will illustrate the current situation by evaluating the extent to which P2P FinTechs replace personal finance functions of retail banks in the UK. Finally, major aspects will be summarised and future aspects will be discussed.
Download or read book Bridging the Small Business Capital Gap: Peer-To-Peer Lending, Hearing 114-010, May 13, 2015, 114-1 written by and published by . This book was released on 2015* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
