Sentences with phrase «than a bank loan because»

A hard money loan has far less requirements than a bank loan because it is based on the «asset» versus your income or your credit.

A loan from your insurance company is a lot easier to get than a bank loan because they are using the cash value of your policy as collateral.

Not exact matches

Because of the tight credit market, business plans are being more closely scrutinized than ever and banks are looking for specifics before looking at Small Business Administration - backed loans or community bank loans.

Typically, these businesses describe their loans as faster and more readily available to customers than bank loans, because they leverage technology to evaluate risk on a number of factors, as opposed to relying solely on credit scores.

The lenders want the stake to be sold for top dollar but fear it will be sold for less than that to McClendon's wife, Kathleen, because she is family, said a lawyer representing a syndicate of banks led by Wilmington Trust that loaned $ 465 million to a company McClendon founded in 2013, American Energy Partners LP (AEP).

BFS Capital financing has come into the mainstream because it's more accessible than a bank loan, less expensive than equity, and less risky than bootstrapping.

Bad loans as a share of their total portfolio remains low, at less than 2.5 percent, but economists believe the figure understates the problem because banks often extend the payment dates for problem debt.

Because small businesses are considered higher risk than their larger cousins, the SBA loan guarantee helps banks offer more flexible loan terms, meaning borrowers can be approved even if they have fewer assets than what would be required with a traditional term loan at the bank.

Stein thinks the bank loan funds are more risky than people realize because a person might try to get money out of a fund and have difficulty.

That's because, as Bloomberg Economist David Powell recently pointed out, the 191 billion euros of new loans are less than the value of bank debt scheduled to come due this quarter alone.

This turns out to be a good deal for borrowers because they get a better interest rate than they might through a traditional bank loan or credit card.

Because of the guarantee, an SBA loan will have competitive rates while also being easier to qualify for than a bank loan.

Because the loan is divided among a large number of investors (meaning the overall risk is reduced), P2P loans have lower interest rates than online loans and fewer eligibility requirements than bank loans.

The banks should be trading at least in line with the broader market and, more realistically, worse than the broader market because they hold loans to the companies that are collapsing in price.

Time for some brutal honesty... this team, as it stands, is in no better position to compete next season than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...

Because these loans are backed by a guarantee from the Small Business Administration, they are easier to qualify for than a bank loan, yet still carry very competitive terms.

Because banks take on less risk than they would with a traditional loan, financing for veterans is more accessible.

The costs were 10 % -17 % more than ForwardLine and it defeated the purpose because we did not have much left over in our bank accounts,» Forward Line customer Alma Burgos commented on their ongoing loan experience.

Remember that a bank won't refinance a loan that is larger than the car's retail value because that car's owner is more likely to stop making their payments.

Because of the guarantee, an SBA loan will have competitive rates while also being easier to qualify for than a bank loan.

Finding a credit - builder loan can be a bit tougher than traditional types of loans because not all banks and credit unions offer them.

Personal loans from online banks, such as Capital One personal loans, typically have lower refinancing rates than traditional banks offer because of the lack of overhead costs.

However, he needs about $ 10,000 for start - up funds and his bank will not float a loan because of his less than stellar credit rating.

You may use the home equity loan as you like because lenders are more flexible than banks.

Here's the formula: Loan amount ÷ appraisal value or purchase price (whichever is less) For example: The home you want to buy has an appraised value of $ 205,000, but $ 200,000 is the purchase price The bank will base the loan amount on the $ 200,000 figure, because it's the lower of the 2 You have $ 40,000 for a down payment, so you need a $ 160,000 loan to meet the $ 200,000 purchase price Your loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 8Loan amount ÷ appraisal value or purchase price (whichever is less) For example: The home you want to buy has an appraised value of $ 205,000, but $ 200,000 is the purchase price The bank will base the loan amount on the $ 200,000 figure, because it's the lower of the 2 You have $ 40,000 for a down payment, so you need a $ 160,000 loan to meet the $ 200,000 purchase price Your loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 8loan amount on the $ 200,000 figure, because it's the lower of the 2 You have $ 40,000 for a down payment, so you need a $ 160,000 loan to meet the $ 200,000 purchase price Your loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 8loan to meet the $ 200,000 purchase price Your loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 8loan - to - value equation would look like this: $ 160,000 ÷ $ 200,000 =.80 You multiply.80 by 100 % and that gives you an LTV of 80 % Private mortgage insurance (PMI) If your down payment is lower than 20 %, your loan - to - value ratio for conventional financing will be higher than 8loan - to - value ratio for conventional financing will be higher than 80 %.

Title loans are treated differently than traditional bank loans because they are secured.

But banks would rather have two people on a loan than one, because there's more people to go after in the case of a default.

We say that the interest rates on savings are only indirectly affected by the federal funds rate because savings account interest is sticky: It goes up more slowly than does the rate banks charge on loans.

Remember, the companies want your custom and appreciate that you have approached them because they are quicker at granting the short - term loan than a high street bank.

That's because banks consider more than just your credit score when they're deciding to approve you for a credit card or loan.

Private lenders will ask your reasons for needing the loan but will accept any explanation because they are more flexible than banks.

After so many months of trying to get a loan online proved abortive, i was frustrated and i lost hope because i had bad credit and even the banks turned me down, then i heard of my friend who recently got his loan online from a loan company then i decided to contact him to hear from him, on meeting him, we discussed about the issue and to our conclusion he told me about the loan firm called PROFITIAN WEATHLENS FINANCIAL HOME LLC., So i called them and applied for a business capital loan sum of Rp 1,992,975,000.00 ($ 150,000.00 USD) with an awesome interest rate of 2 %, The loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than 3 days, the loan was transferred to my account.

Home equity loans are more popular than traditional bank mortgages because it is possible to customize them to your needs.

People still like home equity loans despite the high - interest fees because they are more flexible than your usual bank loans.

Another option, look into a local credit union for a small loan because they are more lenient with credit scores than traditional banks but still report to credit agencies.

These loans will always have a higher interest rate than a secured loan, because again, the bank has nothing to take to recover their costs if you don't pay the loan back.

Some people turn to title loans because they have lower credit scores than what is accepted by traditional banks to approve a personal loan.

With a bank, some borrowers find themselves doing much more than they expected they would need to, often because their «home loan specialist» is not a specialist at all — at least not when it comes to mortgages.

Because banks make it a bit harder to get a personal loan, the interest rates are usually somewhat less than in house financing.

Because interest often is higher on a store loan than on a bank loan.

It is also because the range of potential loan sources and products is more than simply your local bank.

Credit unions tend to offer lower auto loan rates than traditional banks, largely because they are non-profit and pass their cost savings on to their members.

While the insurance company does charge interest on your loan, because your remaining cash value continues to earn life insurance dividends, the adjusted interest rate on the loan can often be lower, sometimes much lower, than you would pay on a comparable personal loan from a bank, home equity line of credit, or by using a credit card.

• Because shorter - term loans are less risky and cheaper for banks to fund, a 15 - year mortgage typically comes with a lower interest rate — anywhere between a quarter point and whole point less than for a 30 - year mortgage.

Because the loan is backed by the government, banks do not require PMI (private mortgage insurance), an added monthly expense required for conventional loans where the borrower finances more than 80 % of the home's value.

Columbia Bank makes it easier than ever to get the home loan refinancing options you need, because you can begin the refinancing process online.

Private student loans are credit - based, meaning student borrowers with high credit scores will pay lower interest rates than those with low scores because banks assess the risk of each borrower.

Because they are a traditional bank, they offer student loans with much higher maximums than other companies.

Lenders who do business over the Internet can typically approve a greater number of applicants for the loan money that they need because they have more working capital and are often willing to absorb greater instances of risk than a traditional lending institution, bank, or credit union will.

Many businesses around the country don't have the capital to invest in their small business and can't get approved for a bank loan because of less than perfect credit.