Sentences with phrase «of alternative credit»

«It contains some favorable provisions for the housing industry, including expanding Fannie Mae and Freddie Mac's use of alternative credit scoring models and easing credit through reduced regulatory burdens on smaller community banks and credit unions.»

«There's an unfairness to this, which can be reduced with the use of alternative credit scoring, and today's big data solutions make the data needed to create this scoring readily available.»

«The Economic Growth, Regulatory Relief, and Consumer Protection Act contains some favorable provisions for the housing industry, including expanding Fannie Mae and Freddie Mac's use of alternative credit scoring models; holding Property Assessed Clean Energy, or PACE, loans more accountable; and improving access to manufactured housing, as well as easing credit through reduced regulatory burdens on smaller community banks and credit unions,» said NAR President Elizabeth Mendenhall in a statement.

«The major proponents of the alternative credit scoring model are large nonbank originators and credit reporting firms — companies that make their living from the quantity of loans they originate, not the quality.

The FHA loan guidelines are more relaxed than conventional loan guidelines — and this includes less strict regulations about past bankruptcies and / or foreclosures, job requirements, use of alternative credit, and debt - to - income ratios.

Despite FICO's prominence, thousands of alternative credit scores persist.

This could spur lenders» use of alternative credit data.

«There's an unfairness to this, which can be reduced with the use of alternative credit scoring, and today's Big Data solutions make the data needed to create this scoring readily available.»

Gabriella Kindert, head of alternative credit at NN Investment Partners, discusses the emergence of peer - to - peer and marketplace lending.

Not exact matches

During the credit crunch, alternative lenders — cash advance companies, accounts receivable funders, factors, and micro lenders — took advantage of the slowdown in bank loan volume.

Last month alternative lender OnDeck announced a partnership in which JPMorgan Chase will use OnDeck's technology to underwrite credit to some of the giant bank's 4 million small business customers.

Alternative lenders were willing to provide capital to businesses that otherwise could not secure credit, and their use of technology enabled them to make quick decisions.

In December, JPMorgan Chase said it will use alternative lender OnDeck's credit - scoring technology, in an attempt to more quickly underwrite credit to some of the giant bank's 4 million small business customers.

Layaway programs: Layaway — in which you plunk down a deposit on a costly item and make a series of installment payments toward it — is an alternative to using a credit card.

The explosive growth of the alternative lending industry has led to more access to credit for small business owners that the traditional banks had been turning away, for sure.

Depending on whether you're looking at a line of credit from a traditional bank or an alternative lender, you might be dealing with two pretty distinct loans.

Alternative lenders rely more heavily on unsecured loans, but some lenders offer lines of credit backed by inventory, equipment, or even accounts receivable.

Now that we've got that down, we can look at the major factors that distinguish lines of credit from banks and alternative lenders.

There's plenty of overlap here — many alternative lines of credit break $ 1 million while plenty of bank lines of credit go down to $ 10,000 — but, in general, banks give out bigger loans for cheaper.

Factoring is one of a number of alternative sources of financing for small and midsize businesses when a bank pulls their credit line or says no to a traditional business loan.

Credit cards, personal loans and borrowing from family or friends were among the most popular alternatives, according to a first - quarter survey by Pepperdine University's Graziadio School of Business and Management and Dun & Bradstreet.

Shintani says that companies should also look at alternative sources of financing: «In addition to a line of credit, business owners should consider SBA lending, micro-financing, or an equity partner.»

If you have good credit, another alternative to crowdfunding might be a personal loan or, if you own a home, a home equity line of credit.

Offer multiple payment options — For shoppers leery of giving credit card information to an online merchant they've never dealt with before, offering alternatives such as PayPal or Google Checkout is another way to gain their trust.

Assets rose mainly in «alternative risk premia», an automated investment style, but also thanks to the launch of a $ 400 million European credit product and modest flows into computer - driven and discretionary long - only funds.

It also offers specific policy recommendations including providing tax credits to promote venture capital investments in minority businesses, as well as tax credits for new low - income entrepreneurs, and encouraging the use by credit rating agencies of alternative data such as rent and utility payments in establishing credit histories.

The Senate further allows firms to accelerate alternative minimum tax or research credits instead of taking bonus depreciation, and includes film or videotape as property that qualifies for the depreciation.

' cents Investment credits: The stimulus will extend generous bonus depreciation terms included in the 2008 stimulus through 2010, and extends accelerated alternative minimum tax or research credits instead of taking bonus depreciation.

That would mean their proposals — lowered individual rates, doubled standard deduction, increased child tax credit, and repeal of the alternative minimum tax — would sunset after 2025.

An overview by a barter - credit organization's CEO of how bartering offers an alternative to traditional loans.

An alternative is to pay off high - interest credit card balances using another type of debt consolidation loan or by refinancing your mortgage with a cash - out option.

Regardless of your ultimate ability to garner funding through school grants, crowdsourcing or other alternatives, you will likely have to get your business rolling with minimal capital until you can demonstrate viable potential or build enough credit standing to warrant large - scale borrowing.

As an alternative, there are several apps that also can help boost your paycheck, said Gerri Detweiler, head of market education at Nav, a site that helps business owners manage their credit.

Another significant past drawback of the R&D credit was that companies» ability to use it was limited if they — or their shareholders, in the case of pass - through entities like S corporations, limited liability companies, and limited liability partnerships — either didn't owe federal income tax or were subject to the alternative minimum tax (AMT).

These risks and uncertainties include competition and other economic conditions including fragmentation of the media landscape and competition from other media alternatives; changes in advertising demand, circulation levels and audience shares; the Company's ability to develop and grow its online businesses; the Company's reliance on revenue from printing and distributing third - party publications; changes in newsprint prices; macroeconomic trends and conditions; the Company's ability to adapt to technological changes; the Company's ability to realize benefits or synergies from acquisitions or divestitures or to operate its businesses effectively following acquisitions or divestitures; the Company's success in implementing expense mitigation efforts; the Company's reliance on third - party vendors for various services; adverse results from litigation, governmental investigations or tax - related proceedings or audits; the Company's ability to attract and retain employees; the Company's ability to satisfy pension and other postretirement employee benefit obligations; changes in accounting standards; the effect of labor strikes, lockouts and labor negotiations; regulatory and judicial rulings; the Company's indebtedness and ability to comply with debt covenants applicable to its debt facilities; the Company's ability to satisfy future capital and liquidity requirements; the Company's ability to access the credit and capital markets at the times and in the amounts needed and on acceptable terms; and other events beyond the Company's control that may result in unexpected adverse operating results.

Tom Sanger, a partner with accounting and advisory firm Moss Adams, says that, «small businesses, now defined as having an average of less than $ 50 million in gross revenue over the prior three years, will be able to offset (the alternative minimum tax) AMT with R&D credits generated after Jan. 1, 2016.»

debt obligations of the U.S. government that are issued at various intervals and with various maturities; revenue from these bonds is used to raise capital and / or refund outstanding debt; since Treasury securities are backed by the full faith and credit of the U.S. government, they are generally considered to be free from credit risk and thus typically carry lower yields than other securities; the interest paid by Treasuries is exempt from state and local tax, but is subject to federal taxes and may be subject to the federal Alternative Minimum Tax (AMT); U.S. Treasury securities include Treasury bills, Treasury notes, Treasury bonds, zero - coupon bonds, Treasury Inflation Protected Securities (TIPS), and Treasury Auctions

At checkout, customers simply select this alternative credit option instead of fishing out their credit card.

That includes the increased child tax credit, the doubled standard deduction, the estate tax cut, repeal of the alternative minimum tax, and even the tax break for pass - through business income.

Alternative options for increasing your cash flow include getting a home equity line of credit, a home equity loan, or a reverse mortgage if you're age 62 or older.

Highland is one of the largest and most experienced global alternative credit and equity managers.

While both deed in lieu agreements and short sales represent alternatives to foreclosure, neither will spare you from a lower credit score, the possibility of a deficiency judgment, or an increase in your taxes.

Special rules may apply with respect to certain subsequent sales of the Shares in a disqualifying disposition, certain basis adjustments for purposes of computing the alternative minimum taxable income on a subsequent sale of the Shares and certain tax credits which may arise with respect to optionees subject to the alternative minimum tax.

This includes information about income sources and taxes, credits and exemptions, and the impact of the alternative minimum tax.

Founded in 1993 by James Dondero and Mark Okada, Highland is one of the largest and most experienced global alternative credit managers.

Founded in 1993 by Jim Dondero and Mark Okada, Highland is one of the largest and most experienced global alternative credit managers.

The Board considered pursuing, but decided not to pursue, an alternative to include the prior service cost or credit component in the line item (s) reporting current employee compensation because this component is not exclusively related to the current period's employee services and may add complexity to financial statement users» analyses of an entity's core operating performance.

You may also be able to use Form 1040A if you received dependent care benefits or if you owe tax from the recapture of an education credit or the Alternative Minimum Tax (AMT).

The second set of policies that Beijing should implement to protect the country from a lost decade of much slower growth is to create alternative sources of demand as quickly as possible that do not require credit expansion.

The Alternative Benefits calculation does not take into account more than 35 years of credited service.