Sentences with phrase «traditional credit markets»

These alternative lenders have a history of serving businesses experiencing difficulty accessing traditional credit markets; they offer more flexible underwriting and often provide other technical assistance to help businesses stabilize and grow.

Not exact matches

If real estate speculation continues to boil, especially in Greater Toronto, Morneau's measures «will force more volume out of the traditional banking space and... into this unregulated space,» predicts credit market analyst Ben Rabidoux, a principal at North Cove Advisors.

Right now, the full program costs $ 716.40, or $ 179.10 per course, a significant discount from traditional grad school marketing programs, which can cost at least $ 1,000 per credit taken.

They're filling a gap in the market that traditional banks have been reluctant to go after, considering that millennials tend to have low credit scores and little money to invest in the first place.

A combination of tight credit and stringent lending criteria has created a sizeable, underserved segment of the market that does not have access to growth capital from traditional sources.

Ben Shoval, the managing director of Ambit Funding, noted that hedge funds are essentially filling the vital role in the credit market that traditional lenders have left vacant.

Central bank intervention in global bond markets has «crowded out» many traditional fixed income investors, driving them to seek yield and income from non-traditional and riskier asset classes such as high yield, emerging markets debt, leveraged loans and private credit.

«At Directed Capital we are always looking to provide solutions for Main Street that traditional lenders do not have the capability or flexibility to assist with,» said Directed Capital's CEO Chris Moench, who has specialized in acquiring and repositioning debt for more than 25 years, «With the increase to our credit facility from our longtime lender Goldman Sachs, we were able to acquire these FDIC loans and expect to continue our long tradition of helping borrowers re-access traditional financing channels, while providing investors with superior returns typically uncorrelated with the market.

With a thousand - dollar iPhone being released next month, low unemployment and a sky - high stock market, it's hard to imagine that a very large group of people have never financially recovered from the great recession of 2008, stuck in a cycle of week - to - week bill paying with few options to rebuild credit scores and return to their families to traditional housing options.

CDFIs provide financing to community businesses in underserved markets where would - be community business owners may not qualify for credit from traditional lending institutions.

As demand went up for just about everything in the last ten years as consumers spent more with credit, it seems traditional publishers met that demand by publishing even more books, which seemed only to add to the number of bad ones (increased demand always lowers the bar for entry into a market).

Because of the rough economy that has placed many Americans in a tough financial situation, and because traditional lenders such as banks and credit unions have tightened up their qualifications for borrowers, many private lenders have stepped forth in response to this growing market of bad credit borrowers who need a large unsecured bad credit personal loan.

Even worse, many traditional banks and credit unions will take days to provide a pre-approval letter, and that won't work for people in highly competitive markets.

For one thing, there are lots of different personal loan options on the market today — you could use a peer - to - peer lender, a traditional bank or a credit union.

So many folks nowadays have smudges on their credit histories, and so many traditional lenders are unwilling to lend to them, that private lenders have recognized a lucrative market and have stepped in to fill the gaps.

And, because interest credited to a fixed indexed annuity can be determined by a formula linked to a market index, the product offers the opportunity for increased interest over other traditional annuities.

This can be a traditional savings account at your bank or credit union, a goal - based savings account, or a money market account.

Though some traditional lenders, such as banks and credit unions, may grant such loans, private online lenders have stepped into the highly competitive market to assist those who can not get loans from those sources.

Instead, on some non traditional financial institutions on the loan market, you will be able to find bad credit car loans with very competitive interest rates.

With the economy and credit market crunch making it difficult to get more traditional loans, «alternative» lending opportunities are arising.

They focus on net fund alphas, meaning after - fee returns in excess of the risk - free rate, adjusted for exposures to three kinds of risk factors well known at the start of the sample period: (1) traditional equity market, bond market and credit factors; (2) dynamic stock size, stock value, stock momentum and currency carry factors; and, (3) a volatility factor specified as monthly returns from buying one - month, at ‐ the ‐ money S&P 500 Index calls and puts and holding to expiration.

While it is not a traditional form of marketing, lenders that offer pre-approved credit are paying a marketing fee to a credit bureau for a list of consumers who meet predetermined requirements.

If you are in the market for an unsecured personal loans and you have bad credit and are afraid of the traditional credit check don't be.

The bank's online savings account offers a competitive 1.30 % APY with no minimum opening balance and no monthly fee Discover also offers money market accounts, flexible - term CDs, traditional and Roth CDs, and various loan and credit products.

In extreme cases, it can even disqualify you for traditional financing, particularly given the tight credit market we're in now.

Our debt ratings utilize fixed income market data such as bond - implied gaps and credit default swap spreads as well as traditional credit analysis to arrive at a debt rating that we feel is more accurate and timely than conventional debt ratings.

While traditional credit scores remain the cornerstone of our business, this initiative provides an evolutionary platform for adding to our rich history of innovation to meet new market needs.

She also worked 12 - plus years as a traditional marketer and made the leap to new media / digital strategist and brand leader in 2005 when she joined New Media Strategies (NMS), the online PR and word - of - mouth marketing agency credited with pioneering the new media agency space.

Italians have been slow to embrace online travel purchases for diverse reasons: broadband penetration is low and still relatively expensive; they are by nature hesitant to release personal information over the Internet; traditional offline players have powerful ties and still sell the vast majority of travel related products; tour operators have been cautious about challenging conventional distribution channels; credit card usage is still relatively low and most credit cards have limited spending margins per month and the country's population is aging rapidly, resulting in slower adoption of the Internet than other markets.

In addition, experts said that card issuers were turning to other, less - traditional ways to market cards since mailing credit card offers is expensive.

The tightening of credit markets has challenged the expansion for traditional 5 star hotel brands and created a niche for the Pullman Brand to expand.»

Derivatives in the property area thus overcome numerous disadvantages of traditional property investment such as transaction lead time, credit and liquidity market seizures, availability and immovability of real property assets and high transaction costs.

But while traditional universal life only credits a fixed interest rate to your cash value, IUL also offers an interest crediting strategy whereby the interest credited to your policy is based on the measured performance of a market index or market indexes.

Funding investments with credit cards is a practice rarely seen in traditional markets.

Tapping some home equity is another way to avoid taking retirement income from stock funds, but traditional home equity lines of credit can be frozen in certain market conditions.

And the traditional home - equity lending market has been open primarily to borrowers with good credit.

With tight credit requirements, decreased construction and issues with changes in the climate that are causing people to move to new areas, there are simply fewer homes available in the traditional markets.