PYMNTS

JULY 24, 2020

Online lenders will need the green light from the central bank to roll out new offerings or hike lending rates if the legislation is put into law, Quartz Africa reported. Online lending has brought about a number of complications in Kenya, with digital loans reportedly leading rising personal debt for users in the country.

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PYMNTS

JANUARY 5, 2020

India’s state-owned banks are going through changes that could mean an overhaul in business lending, The Economic Times (ET) reported on Friday (Jan. For decades, public sector undertaking (PSU) banks have largely been responsible for handling the working capital loans that many firms need for daily operations.

Lending 130

Lending Capital National Taxes 130

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 3 Loan-level stress testing can help assess repricing risk, while capital stress testing helps clarify the impact of CRE loan losses on capital.

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Risk Management Management Lending Capital 221

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Another key player for successful small business banks is the vice president of business lending, who manages the relationship managers and reports to the chief lending officer.

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Lending Community Bank Community Strategy 78

BankUnderground

APRIL 28, 2023

This post investigates whether large and small banks in the UK and US differ in the cyclical patterns of capital positions and credit provision. The reforms aimed to ensure that banks have sufficient capital resources to absorb losses and reduce the cyclical effects of bank capital (and regulation) on the supply of bank credit in stress.

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Capital Lending US Data 81

PYMNTS

JUNE 6, 2019

When it comes to small business (SMB) lending, the top two contenders for business owners are banks and alternative financiers or online marketplaces. Credit unions (CUs), meanwhile, are rarely the first point of contact for small businesses in need of capital or other financial services, according to a recent Federal Reserve report.

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Lending Analytics Data Security 129

PYMNTS

NOVEMBER 27, 2018

So, access to capital isn’t just essential for these companies to survive — it’s critical for the economy to thrive. Yet, the small business lending gap remains. In a new report, PayNet and financial research firm Raddon examined the state of small business lending in the U.S.

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Lending Fintech Capital Report 159

PYMNTS

OCTOBER 9, 2018

63 percent of small businesses applied for a working capital loan last year, data from S&P Global Market Intelligence recently found. In its report, S&P found nearly 50 percent of SMB borrowers are too unfamiliar with digital lenders to use alternative finance. In the U.S., In the U.S.,

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National Regulation Capital Industry 167

PYMNTS

APRIL 18, 2019

The Federal Reserve has released new data on small businesses’ appetite for capital, and it appears that financing demand is on the rise. Compared to 2017 figures, small businesses have increased their demand for capital.

Capital 109

Capital Survey Lending Online 109

PYMNTS

JUNE 26, 2020

Small business lending emerged as a common theme in this week’s B2B venture capital roundup, and it’s no surprise, considering the role small and medium-sized businesses (SMBs) play in supporting their local economies. million round for India-based small business lending platform Aye Finance, the company recently revealed.

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Capital Lending Cards United States 288

PYMNTS

JUNE 24, 2016

The roundup of this week’s venture capital investments in B2B startups offers some insight into the geographical differences in how this space is developing. Meanwhile, Australia and Ireland revealed their continuing support of the alternative SME lending space, even as the U.S. Alt-Lending. But the U.S. eProcurement.

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PYMNTS

NOVEMBER 26, 2018

Small businesses (SMBs) in China are struggling to access bank loans with large, state-owned corporations, according to recent analysis from French trade credit insurer Coface , reported CNBC. Reports noted that Chinese authorities have acknowledged the issue in previous statements.

Lending 129

Lending Analysis Resources Policies 129

PYMNTS

JUNE 13, 2018

Rising corporate debt in France has led officials in the country to introduce the market’s first capital buffer requirements for banks, according to Reuters reports on Tuesday (June 12). Reports said the nation’s Finance Minister Bruno Le Maire is imposing a counter-cyclical buffer amounting to 0.25

Capital 100

Capital National Lending Regulation 100

PYMNTS

JANUARY 19, 2021

With more financial institutions (FIs) turning to external third-party FinTechs to strengthen their small- to medium-sized business (SMB) and corporate offerings, the collaboration model is proliferating across national borders. National Australia Bank Chooses Eedenbull. BNL Goes Live With Tink. ní banka Taps Temenos.

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Fintech National Groups Tools 341

PYMNTS

FEBRUARY 7, 2019

tax reform led to much chatter and some confusion about exactly how changes would impact the nation’s small businesses (SMBs). Department of Treasury finalized rules that apply to SMBs on qualifying for a 20 percent tax deduction, with the National Federation of Independent Business (NFIB) applauding the initiative. percent rate.

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Taxes Lending National New York 122

PYMNTS

SEPTEMBER 6, 2019

Today in the payments news roundup, Stripe launched Stripe Capital to simplify the way internet companies can access funds. trillion in spending on goods and services last year, per The Nilson Report. Stripe Gets Into Lending. Report: Inside Australia’s Push for a Safe and Trusted Digital ID. generated $6.13

Capital 128

Capital Cards Google Payments 128

PYMNTS

APRIL 29, 2019

With first-quarter earnings reports rolling out, it’s time to take a look at the state of small businesses and how they fared for the first three months of 2019. middle-market in the recently released Golub Capital Altman Index. With Standish Mellon Chief Economist Vincent Reinhart expecting the U.S.’ Beyond the U.S. ,

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Lending Michigan Community National 168

PYMNTS

JUNE 1, 2018

Between 2015 and 2017, the amount of lending to small businesses by the five leading online lending providers increased 50 percent, according to a new report from NDP Analytics, a Washington, D.C.-based The report, entitled “The Economic Benefits of Online Lending to Small Businesses and the U.S. billion in 2015.

Lending 103

Lending Online Community Washington 103

PYMNTS

JUNE 29, 2016

Venture capitalists continue to back the alternative lending startup community despite recent fallout from Lending Club and revelations the company’s then-CEO Renaud Laplanche allegedly falsified loan documents. Also on Tuesday, India alternative lending marketplace Lendingkart announced its own investment round.

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Lending Capital Industry Fintech 101

PYMNTS

NOVEMBER 23, 2017

New York Venture Bank, a new financial institution (FI) created by big names in the financial services industry, has applied for a national bank charter. FDIC), the news report noted the new bank will begin with $100 million in capital. FDIC), the news report noted the new bank will begin with $100 million in capital.

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South State Correspondent

SEPTEMBER 18, 2023

The national banks have already indicated how they plan to reverse the efficiency ratio increase – through headcount reduction. The national banks have been clear and loud about how they intend to decrease their efficiency ratios – with headcount reductions.

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Management How To Community Bank Community 195

South State Correspondent

MARCH 5, 2024

First, larger loans are made to larger companies, and larger companies typically have more access to liquidity and capital, making them more credit-sound. To provide relationship banking, the commercial relationship manager must spend time understanding his client’s business and local and national trends.

Community Bank 195

Community Bank Community National Lending 195

South State Correspondent

MARCH 5, 2024

First, larger loans are made to larger companies, and larger companies typically have more access to liquidity and capital, making them more credit-sound. To provide relationship banking, the commercial relationship manager must spend time understanding his client’s business and local and national trends.

Community Bank 195

Community Bank Community National Lending 195

PYMNTS

JULY 25, 2018

Cabot Square Capital, a U.K. financial services firm, on Wednesday (July 25) sold its entire stake in 321 Crédito, a Portuguese consumer finance lender, to Banco CTT, the bank run by Portugal’s privatized national postal service. According to a report in Financial Times , the deal was worth more than €140m. trillion U.S.

Capital 108

Capital FDIC Resources National 108

PYMNTS

AUGUST 8, 2017

-educated entrepreneurs met while working abroad at Renaissance Capital and Deutsche Bank. such as Zopa and Lending Club, they saw an opportunity in emerging markets that had been ignored by the big banks, such as Russia, Georgia and Kazakhstan. Observing the rise of disruptive companies in Europe and the U.S.,

Lending 105

Lending Capital Fintech Marketing 105

South State Correspondent

MAY 23, 2022

The graph below compares the loan repricing mix for banks under $2B in assets, over $25B in assets, and the national average over the last year. While call report data is not ideal for this, it is directionally correct. We need to analyze the current lending environment and the market’s future expectations to answer that question.

Lending 195

Lending Community Bank Community Capital 195

Abrigo

FEBRUARY 16, 2016

Financial institutions considering lending to nonprofits may want to be aware of these recent financial trends, as well as some of the ways lending to these organizations might differ from lending to for-profit businesses. Here are two mistakes to avoid when lending to nonprofits , according to the firm: 1.

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Analysis Lending Community Bank Community 150

PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Treasury Department released its report on the sector and concluded that the market would likely benefit from greater oversight from regulators. Alternative Lending. Lendingkart.

Lending 101

Lending Analytics Capital Industry 101

PYMNTS

OCTOBER 14, 2016

Not one of the four alternative lending startups that secured investments this week were from the U.S. Alternative Lending. Late last week, South Africa’s LulaLend brought some rare attention to the nation’s alternative lending space. There’s talk that alternative finance is dead. Well, in the U.S.,

Lending 100

Lending US Capital Report 100

PYMNTS

JANUARY 29, 2018

About a third of SMBs recently told Capital One they’re currently in a better financial position than they were a year ago, for instance. But a new report from the U.S. In fact, according to the SBA’s latest report , corporate finance has largely bounced back in the nation — but small businesses aren’t seeing much of that recovery.

Lending 116

Lending Florida Report Community Bank 116

PYMNTS

MARCH 29, 2016

The European Union is in the midst of several upgrades and overhauls within its financial sector, including ongoing efforts to improve access to working capital for the region’s small and medium-sized businesses. The latest figures show levels of bank lending to large corporates has recovered back to pre-crisis levels.

Lending 100

Lending Capital Report Regulation 100

PYMNTS

JULY 22, 2019

India is looking toward overseas lenders to connect domestic small businesses with financing, according to Reuters reports Friday (July 19). But one of the sources said the government’s shift toward overseas lenders is in response to the domestic market unable to meet the current demand for small business capital.

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Meeting Capital National Report 115

PYMNTS

APRIL 14, 2016

Finland’s government has passed proposed legislation targeting the crowdfunding and alternative finance industry, reports on Wednesday (April 13) said. The Finnish Crowdfunding Act was designed to clarify the role of regulators as alternative lending fills the gap left by traditional banks unwilling to lend to SMEs.

Lending 100

Lending Regulation Report National 100

PYMNTS

JULY 16, 2020

Blockchain initiative Teller has notched $1 million in a Framework Ventures-led seed capital to create a decentralized finance (DeFi) credit risk tool, according to an announcement. While bitcoin is not backed by assets, the BOT’s cryptocurrency will be supported by assets like the international reserve of the nation.

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Bitcoin Fraud cryptocurrency Lending 148

PYMNTS

MAY 9, 2016

Small business lending among China’s banks is, surprisingly, on the rise. But in the nation grappling with an economic slowdown, shadow lending has been a problem for years and one regulators haven’t quite been able to tackle. But, reports said, authorities are taking a targeted approach to the problem.

Lending 100

Lending Regulation Conference Report 100

PYMNTS

JULY 22, 2016

It feels like 2014 again with the ongoing popularity of alternative lending startups. Earlier this week, reports emerged that some alternative lending and industry professionals are beginning to heighten their anxieties about incoming regulation, particularly as some ponder whether the U.S. Alternative Lending.

Lending 100

Lending Regulation Big Data Risk Management 100

PYMNTS

AUGUST 1, 2018

A new report by the Bipartisan Policy Center recommended several reforms that would help the U.S. She said the “pragmatic recommendations” included in the report would make the financial system work better for entrepreneurs, no matter their business size or geographic location. In addition, U.S.

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Policies Report Regulation Maine 100