Loans | Credit Card Topics

10 Best Low-Credit-Score Loans

By: Adam West, 1/7/2020

Most people conjure images of big banks when they think of loans. But the best low-credit-score loans typically don’t come from these financial institutions. Thanks to the boom in online fintech startups, you can find dozens of lending options not affiliated with big-chain banks. And, while that may give pause to some consumers, these startups could present you with a great financial opportunity. With no overhead costs and a strong desire to compete for your business, these... read more »

IOU Financial Helps Small Business Owners Access Affordable Capital in Days Instead of Months

By: Adam West, 10/29/2019

In a Nutshell: Entrepreneurs often need access to expedited loans to keep their operations running or to seize growth opportunities. That's why IOU Financial offers fast and affordable capital to small businesses in a wide array of industries. The proprietary platform works with borrowers from initial application through final payment, and IOU Financial provides decisions in seconds and can fund up to $100,000 within 48 hours. The U.S. is home to more than 30.2 million small... read more »

Delancey Street is an Alternative Lender That Offers a Wide Range of Loans, Including Small Business, Hard Money, and Lawsuit Funding

By: Matt Walker, 9/10/2019

In a Nutshell: Being denied a loan can be a difficult experience for business owners and entrepreneurs trying to make ends meet or get to the next level in their businesses. Delancey Street is a company that offers alternative lending options for those unable to get funding from banks, whether it’s due to credit scores, lack of assets, or debt-to-income ratio. The company provides small business loans, merchant cash advances, lawsuit loans, hard money loans, fix-and-flip loans, and... read more »

How Karma Facilitates P2P Loans on a Global Scale with Appealing Benefits for Both Investors and SMEs

By: Matt Walker, 7/25/2019

In a Nutshell: Since the early 2000s, P2P lending platforms have been offering SMEs funding generated by individual investors rather than banks. Over the years, the industry has evolved and Karma is one of the first platforms to offer P2P lending on a global scale. Karma investors can take advantage of high return rates. And the platform’s credit reputation model helps investors make informed decisions about the projects they choose to fund. Karma generally provides borrowers with a... read more »

CoinLoan: A P2P Lending Platform That Enables Borrowers to Obtain Fiat Currency Using Cryptoassets as Collateral

By: Adam West, 4/3/2019

In a Nutshell: In the wake of the 2008 financial crisis, peer-to-peer (P2P) lending arose as an alternative to credit offered by traditional banks. At the same time, blockchain-based cryptocurrencies like Bitcoin also emerged. Now, CoinLoan is bringing the two together through its P2P lending platform that lets borrowers use cryptoassets as collateral for obtaining fiat (or traditional) currency. Lenders provide capital with a guarantee from CoinLoan that they will be repaid in full.... read more »

Credit Builder Reverse Loan Product by Fig Loans Helps People Improve Their Credit Score and Achieve Financial Stability

By: Adam West, 4/2/2019

In a Nutshell: When it comes to credit, more than a few people have discovered that one mistake leads to another, and another, and another -- until there's no recourse except to turn to a high-interest payday or auto title lender. Fig Loans exists to break that cycle. Its Credit Builder reverse loan product doesn't offer customers with bad credit money today, but offers them something more important -- an opportunity to improve their credit score and build a better future for tomorrow.... read more »

Unison™ Partners with Homeowners and Homebuyers to Increase Their Purchasing Power and Long-Term Financial Flexibility

By: Adam West, 2/21/2019

In a Nutshell: For an increasing number of Americans, buying a home and maintaining a desirable quality of life is becoming financially impractical. But in a growing number of markets, Unison offers a solution. In return for a portion of a home's appreciation when it's sold, Unison invests alongside homebuyers and homeowners. This can lower mortgage payments and eliminate private mortgage insurance for buyers and advance owners up to 20% of their home's equity value. And because they... read more »

Lenda: How the Online Mortgage Lender Leverages Its Proprietary Technology to Drastically Reduce Closing Times and Save Homebuyers Money

By: Adam West, 12/19/2018

In a Nutshell: While consumers are accustomed to communicating, shopping, and even banking online, buying a home has long been considered too complex a process for digital channels. But Lenda is changing that. Lenda leverages technology to streamline document management and works seamlessly with banks and public agencies to evaluate mortgage applications quickly and keep customers informed. And, because the digital platform has a lower overhead and eliminates fees and commissions... read more »

Unchained Capital’s Secure Crypto-Backed Loans Let Holders Leverage Bitcoin and Ethereum Investments While Maintaining Their Value

By: Matt Walker, 12/17/2018

In a Nutshell: Investing in Bitcoin and other cryptocurrencies as a long-term strategy to grow funds has recently become more popular with consumers. One problem that existed in this strategy was that active investors could not actually make use of their crypto funds without selling them. Unchained Capital is a company that helps solve this problem with its crypto-secured loans. Investors can now make use of the value of their cryptocurrency holdings and maintain the benefits of crypto... read more »

8 Best Loans & Credit Cards for an 800 to 850 Credit Score

By: Brittney Mayer, 11/26/2018

At the end of any good video game, just before the credits roll, are the words that vindicate the hard work and hours of time invested in beating each boss and mastering each level: "You Win!" If consumer credit were a video game, hitting an 800+ credit score would also come with pixelated fireworks and those coveted words. Because it's true — when your credit score is in the 800 to 850 range, you've done it; you've won the credit score game. Congratulations! You are now among... read more »

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