Creative corporate financing techniques - such as point-of loans to

When most entrepreneurs, the credit that their small businesses, they thought that the two obvious choices: the traditional bank loans and SBA loans. However, there is a third type of loan is essential, which is often neglected. Point to point on the other loans "is a new concept, all within the scope of the banking system's advantage for more small businesses.

Point of such loans, it is it sounds like one person to another loan. There are several sites --Page in all the banking system, bureaucracy, so that more people get a small amount of money they need. Prosper.com is a good example. The site as a digital markets, loans, of which (The above loans provide competitive, we believe that eBay money) members, who need to borrow money. Once to reach an acceptable condition that the debtor's access to funding sources and Prosper handles all administrative tasks. Outstanding loan assets, creditors can be traded,Securities market. Who needs these attributes Prosper is the best choice for a business, a small amount of money.

Alternative funding for small businesses, through the point-point sources of credit may be LendingClub.com. A similar model, the use of this website and more loans part of the introduction of competition, consumers can get lower interest rates on loans. On the contrary, these sites are also investment opportunities for people whoAs other funds.

Loans primarily to the American people of these two sites. However, they are a part of a larger global trend micro-finance. Micro-credit is given to very small loans to entrepreneurs, or who have not been able to expand in the traditional banking system lending practices. This trend is mainly concentrated in loans to entrepreneurs in developing countries. Like Kiva.com website operators, loans and small businessCraftsman's long-term poverty reduction objectives. The project is personal loans, provide loans as small as a few hundred dollars.

Today's entrepreneur, who is in the developed or developing, should be well considered forms of financing this proposal unique. It eliminates the banking business a lot of bureaucracy and middlemen, making it an excellent opportunity for small business financing.