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The Motley Fool May 9, 2011 Cindy Johnson	Are Banks Starting Another Race to the Bottom? Easier credit standards are being driven by competition to lend.
The Motley Fool January 6, 2005 Tom Taulli	CIT Goes Back to School CIT Group now wants to go consumer -- starting with school loans. The lender recently purchased Education Lending Group for $318 million in cash.
HBS Working Knowledge September 22, 2014 Karen Mills	Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth.
Commercial Investment Real Estate Jul/Aug 2008 Essa & Hoskote	Fast Funding Asset-based financing provides quicker access to securing loans.
Entrepreneur May 2008 Scott Bernard Nelson	Between Peers Could a new wave of social lending sites be a good place for your investment dollars?
U.S. Banker December 2010 Rob Garver	SBA Aims to Attract More Banks The lower fees and higher guarantees enacted for the government s small-business lending programs have some in the industry optimistic that interest by banks might surge.
HBS Working Knowledge August 4, 2014	Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.
CFO June 15, 2012 Vincent Ryan	Banks Ease Terms for Business Loans Fiercer domestic competition is making U.S. banks more flexible on spreads, interest-rate floors, and other costs to borrowers.
FDIC FYI January 29, 2003	Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe.
Entrepreneur August 2004 Crystal Detamore-Rodman	Commercial Break When banks can't give you the funds you need, look to commercial finance companies for help.
BusinessWeek August 5, 2010 John Tozzi	Small Business Lending: The Squeeze Goes On Banks had ambitious small business lending goals for 2010, but they're having a hard time finding worthy creditors with solid expansion plans.
U.S. Banker May 2008	As the Credit Crisis Grinds On, Lending Falls Off the Cliff The current climate for loan production might not be Great Depression 2.0, but try telling that to someone with less than perfect credit.
National Real Estate Investor June 1, 2005 Kingsley Greenland	Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry.
Bank Systems & Technology June 24, 2008 Ann Grochala	In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system.
The Motley Fool February 1, 2010 Morgan Housel	Banks Aren't Lending? Says Who? The popular chant that "banks aren't lending, banks aren't lending!" is grossly misconstrued.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
CFO November 1, 2003 Tim Reason	Borrowing Big Time Tighter credit and bigger deals are making asset-based loans more respectable.
U.S. Banker February 2010 Rob Garver	What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all.
The Motley Fool December 4, 2006 Dan Caplinger	Avoid the Loan Sharks For those with less-than-perfect credit histories, there's a scary trend in personal finance these days. In the name of convenience, some borrowers are digging themselves into a hole from which they may never emerge.
The Motley Fool April 2, 2007 Nathan Parmelee	Quick Take: Credit Tightens Outside U.S. Too Consumer credit is tightening in Japan.
U.S. Banker March 2011 Steve Garmhausen	SBA Revamps Lending for Underserved Markets After too many defaults and too little loan volume for its Community Express program, the SBA is starting over -- and excluding banks this time.
The Motley Fool May 10, 2011 Cindy Johnson	How Will Banks Make Money for Real? Declining loan losses are a large but unsustainable source of bank profits.
HBS Working Knowledge August 28, 2014	Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth.
The Motley Fool January 27, 2009 Ivan Martchev	Catch-22: Why Banks Can't Lend Lots of banks aren't willing or able to help kick-start the economy that would bring them back to health.
CFO April 1, 2010 Vincent Ryan	Lien on Me CFOs eager to fill financing and liquidity gaps are turning to receivables for leverage.
The Motley Fool January 24, 2007 Mary Dalrymple	Study Your College Loan Options Know when to use a private or a federal loan to pay your tuition bill.
Reason March 2009 Veronique de Rugy	Dissatisfaction Guaranteed The government has decided to encourage more lenders to take more chances by guaranteeing yet more loans to high-risk borrowers. The only guarantee for these loans is that our children will be paying billions to cover the losses.
CFO March 1, 2012 Alix Stuart	Capital vs. Confidence Banks say they want to lend to smaller companies, but credit remains tight. Is relief in sight?
Commercial Investment Real Estate Nov/Dec 2009 Steve Bram	Capital Markets Conundrum Are there viable solutions to today's financing puzzle?
U.S. Banker January 2008 Michael Sisk	The Rise of Lending Communities Peer-to-peer lending holds valuable clues to the nature of lending and borrowing.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
The Motley Fool October 16, 2006 Joseph Khattab	Peer-to-Peer Lending Makes Waves A new trend in online lending challenges traditional banking. Peer-to-peer lending sounds like fun and games, but there's always risk involved with lending.
The Motley Fool November 16, 2007 Rich Duprey	Battling for Payday Loans A ban on military payday loans keeps underpaid soldiers even more short of cash.
The Motley Fool September 14, 2011 Selena Maranjian	Be Careful With This Bandwagon Home-equity loans present dangers for borrowers and banks alike.
Inc. August 2003 Bobbie Gossage	SBA Finds Another Billion for Loans The Small Business Administration has created an additional $1.4 billion in lending authority.
The Motley Fool March 5, 2007 Dan Caplinger	Falling Into the Subprime Trap If any good comes from the bursting of the housing bubble, it will be that homeowners and borrowers may act more responsibly about buying property and taking on mortgage debt.
The Motley Fool March 31, 2010 Matt Koppenheffer	More Banking Panics Are on the Way Short-term lending agreements between banks prime the system for bank runs.
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
Commercial Investment Real Estate Jul/Aug 2015 Tim Koltermann	CMBS Forecast Commercial mortgage-backed securities lending is alive and well -- maybe too well, depending on where you look in the market.
The Motley Fool June 7, 2011 Cindy Johnson	More Evidence Banks May Be Starting Another Race to the Bottom Defaulted on your mortgage recently? They'll consider you for a loan.
Commercial Investment Real Estate Jul/Aug 2013 Elizabeth Braman	2013 Midyear Financing Report With an abundance of available capital, the first half of 2013 showed plenty of healthy competition to finance commercial real estate. Will this trend continue?
The Motley Fool October 9, 2006 Dan Caplinger	Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.
Entrepreneur February 2005 C.J. Prince	New Way to 7(a) With no more federal subsidy, entrepreneurs are uncertain about the future of small-business loans.
BusinessWeek May 19, 2011 Sarah Mulholland	Sallie Mae Makes a Surprising Comeback Supported by cash from its $146 billion government loan portfolio, Sallie Mae aims to build its private student lending business.
Commercial Investment Real Estate Jul/Aug 2004 Brown & Weiss	The Money Race Borrowers benefit as lenders chase commercial property deals.
Bank Technology News December 2007 Michael Sisk	The Rise of Community P2P is no threat to banks -- yet -- but the rise of these exchanges, which cut out banks and allow people to lend directly to each other is a phenomenon worth studying. Are P2P exchanges the credit unions of the Internet age?
U.S. Banker January 2011 Alan Kline	Common-Sense Ideas for Consumer Lending Even the smallest consumer loan requires almost as much documentation as a $250,000 business loan, and it's only going to get worse under Dodd-Frank.
National Real Estate Investor May 1, 2007 W. Joseph Caton	Small-Cap Attraction The business of buying, managing and trading smaller commercial properties has now become a favored target market of both portfolio and conduit lenders.
U.S. Banker August 2008 William M. Aukamp	Real-Estate Trouble: It's DeJa Vu It seems that periodically banks get clobbered by the real-estate market. Given the periodic problems in real-estate lending, perhaps banks should consider having a real estate professional on the board.