Access Street - Acts as a referral and packaging agent for small businesses looking for SBA loans from lending institutions. The online application improves lending efficiency and enables business owners access to low rates and loans with longer terms.
AnnualCreditReport - This central site allows you to request a free credit file
disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
Bankrate - Mortgage rates, CD rates, auto loans, credit cards, mortgage news and more.
Bureau of Public Debt (BPD) - An agency within the U.S. Department of the Treasury.
It's job is to borrow the money needed to operate the Federal Government by selling Treasury bills, notes, and bonds, as well as U.S.
Savings Bonds and and to account for the resulting debt. The agency pays interest to investors; and, when the time comes to pay back the
loans, it redeems investors' securities.
BusinessCreditUSA - Premier Internet business credit portal, offering free business credit
ratings, full credit reports and customer opinions on 13 million businesses.
CardWeb - Global payment card information network.
Center for Responsible Lending - Predatory lending strips billions in wealth from
low-income consumers and communities in the U.S. each year. Borrowers lose more than $25 billion annually due to predatory mortgages,
payday loans, and other lending abuses like overdraft loans, excessive credit card debt, and tax refund loans. The Center for Responsible
Lending is fighting to stop these financial abuses through legislative and policy advocacy, coalition-building, litigation, and industry
Chase Student Loans - Provides financial product and service programs to the higher
education and postgraduate communities. Offers a variety of student loan consolidation and refinancing options, in addition to new loan
origination services for college students and their parents.
Computer Equipment Leasing - BusinanceFinance.com article: "Avoiding obsolescence is just one of the many advantages to leasing. With leasing,
your business can always have the most up to date computer equipment and when the lease contract is over, better equipment can be leased.
For equipment with low obsolescence, like some types of heavy machinery, a company can choose to purchase the equipment at the end of the
lease agreement for fair market value (typically very minimal.) If you choose not to purchase the equipment, then newer equipment can be
leased instead. Features of computer leasing: 100% financing - Purchase options set at one dollar or ten percent - 100% tax deductible
plans - Fixed monthly payments - Preservation of your cash and bank lines - Pay for equipment as it produces income. Note: Computer
equipment can become obsolete in just 3 or 4 years; With a lease, it's easy to expand or replace equipment; You are relieved of the
responsibility of ownership ; Leasing is easy and usually requires less security than other financing."
Consumer Credit Trends - This tool tracks originations for mortgages, credit cards, auto loans, and student loans. The tool also charts how specific groups of consumers are faring in financial markets. By tracking trends over time, it should help warn of potential problems lurking in a given market. Provided by the U.S. Consumer Financial Protection Bureau.
Consumer Federation of America (CFA) - Disseminates information on consumer issues to the public
and the media. Works to advance pro-consumer policy on a variety of issues before Congress, the White House, federal and state regulatory
Credit - When it comes to consumer credit information, the cost and consequences of acting on
inaccurate information can be devastating. This site was founded in an effort to protect you from unscrupulous marketers, help you through
the maze of the American credit system and provide you with information, tools and resources you can trust.
Credit Card Nation - Dr. Robert D. Manning, author of Credit Card Nation has contributed to state and federal legislation concerning the marketing of credit cards to college students, consumer bankruptcy reform,
predatory loans, and financial education programs.
Credit Slips - A blog on all things about credit and bankruptcy by seven academics.
CreditCards - Credit card offers. Low interest, balance transfer, reward, prepaid, college
students, airline and instant approval credit cards.
CreditBase - Credit Report software for Equifax, Experian, Trans Union or all
CreditSights - CreditSights work spans loan research, structured credit products, and
sector strategy among others. Complementing its sector work is macro level strategy on issues such as pensions, covenants, mergers &
acquisitions, and leveraged buyouts. Its micro and company-level research coverage in both the US and Europe includes telecom, media, and
technology as well as various energy-related sectors across utilities, power, and oil and gas. CreditSights covers a full credit
spectrum of industrials including automotive and manufacturing, commodity-based cyclicals, homebuilding, retail, consumer products,
aerospace and defense, and the airlines. Its seasoned senior financial services analytical team covers U.S. and European brokerage
and bank issuers, insurance companies, REITs, monolines, and government-sponsored enterprises. CreditSights regularly
writes about over 700 companies. Our easily-searched archives contain over 60,000 articles.
Data-Vision, Inc. - Provides a web portal suite that allows lenders to take online loan
applications, deliver instant decisioning, post up-to-date loan status information, and instantly and securely deliver important loan
documents to their customers.
eLease - Equipment leasing is an excellent way to grow your business without huge out of pocket
expenses. Currently, 35% of all equipment is leased. Leasing offers real advantages including better value, more convenience and greater
control. In most cases, the full amount of the equipment, as well as the service, shipping, installation costs and maintenance can be
included in the lease. This spreads the cost out evenly over the term of the lease freeing up your money to work harder for you.
E-Loan - Offers a broad choice of products from many lenders for mortgages, home equity loans, auto
loans, credit cards and small business loans in a secure online environment, combined with comprehensive personal service from dedicated,
unbiased loan consultants.
Equifax - Serves the financial services, retail, credit card, telecommunications/utilities,
transportation, information technology and healthcare industries, and government. Global operations include consumer and commercial credit
information services, payment services, software, modeling, analytics, consulting and direct-to-consumer services.
Equipment Leasing and Finance Association (ELFA) - Trade association representing financial
services companies and manufacturers engaged in financing the utilization and investment in capital goods. ELFA is the principal source for industry best practices and professional, business and ethical standards.
Experian - Credit reports and scores. Provides U.S. consumers with the tools and services to
help them understand, manage and protect their personal credit profiles.
Export Credit Agencies (ECA) - Policy analysis, case study research and news stories about the
social and developmental impacts of Export Credit Agencies and Investment Insurance Agencies (ECAs). Most industrialized
nations have at least one ECA, which is usually an official or quasi-official branch of their government. Publicly owned bilateral ECAs are an increasingly important class of international finance institutions that support a growing number of privately owned
project ventures in less developed countries. Many of these projects present major threats to the environment and people of the affected
Fitch Ratings - A leading global rating agency committed to providing the world's credit markets
with accurate, timely and prospective credit opinions.
GE Capital - Provides financing and services to business customers of all sizes to help them grow.
Its synergistic product offerings include: equipment leasing and lending, inventory finance, fleet services and franchise finance,
How to Get a Free Credit Report - United States federal law requires
every American to be able to get a free credit report from three reliable reporting agencies, once a year. If you want to check your
eligibility for a loan or just want to make sure your record is clean, a free credit report is the first step. This page teaches you how to
get a free credit report without being scammed.
In Debt We Trust - A Danny Schechter film, In Debt We
Trust shows how the mall replaced the factory as America's dominant economic engine and how big banks and credit card companies buy
our Congress and drive us into what a former major bank economist calls modern serfdom. Americans and our government owe trillions in
consumer debt and the national debt, a large amount of it to big banks and billions to China.
Javelin - A leading provider of independent, industry-specific, quantitative research and
strategic direction for payments and financial services initiatives. Javelin conducts rigorous research and analysis to create
successful strategies related to financial institutions, payments firms, technology vendors, merchants and billers, regulators and other
policy-makers, associations, and consumer or business end-users.
Lending Club - By allowing its members to directly invest in and borrow from each other, Lending Club avoids the cost and complexity of the banking system, passing the savings on to you.
LendingTree - Online loan marketplace where lenders compete for your business and you choose the
loan that's right for you. Also, check your credit score and get free credit monitoring instantly.
LiveCapital - Enables financial institutions, equipment vendors, and B2B exchanges to
provide their small business customers with instant online financing.
myFICO Scores - FICO scores are your credit rating. Most lenders base approval on them.
You have three FICO scores, one for each credit bureau, and you can only get all three from myFICO.
National Community Reinvestment Coalition (NCRC) - Develops the collective energies of community
reinvestment organizations from across U.S. so as to increase the flow of private capital into traditionally underserved communities. NCRC has grown to an association of more than 600 community-based organizations that promote access to basic banking services
including credit and savings, to create and sustain affordable housing, job development and vibrant communities for America's working
National Credit Union Administration (NCUA) - The U.S. federal agency that charters and supervises
federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National
Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.
National Foundation of Credit Counseling - A national non-profit network of 1,450 Neighborhood
Financial Care Centers designed to provide assistance to people dealing with stressful financial situations.
Reverse Mortgage - A reverse mortgage is a special type of loan used by older Americans to
convert the equity in their homes into cash.
SafeBorrowing - Consumer credit can be complicated. From the unusual legal terms to the complex
mathematical formulas, understanding how credit works can be a big task. This website covers the four basic types of consumer credit:
mortgage loans, auto loans, student loans, credit cards.
Secured Transaction Law - Cornell Law School resources: "A security interest arises when in exchange for a loan a borrower
agrees, in a security agreement, that the lender (the secured party) may take specified collateral owned by the borrower if he or she
should default on the loan. A security interest also provides the secured party with the assurance that if the debtor should go bankrupt he
or she may be able to recover the value of the loan by taking possession of the specified collateral instead of receiving only a portion of
the borrowers property after it is divided among all creditors."
Small Business Loans - Search over 4,000 sources of business financing and get your free
matched list in seconds.
Smallknot - A way for you to fund independent businesses in your neighborhood looking to expand, grow
or open up shop. You can view available businesses in your neighborhood on Smallknot. When you find one that interests you, you can invest
in their campaign by choosing one of the offered returns. You'll only be charged if the business hits its stated goal, after which you'll
be contacted about how to claim your return.
Standard & Poor's - A leading global provider of investment data, valuation,
analysis and opinions.
Tally - Helps you pay your credit cards, potentially saving you hundreds by protecting you from inflated APRs, late fees, and other costs.
Truth About Credit Campaign - A guide for getting a credit card, avoiding
credit troubles and clearing up your credit problems. Credit card resources and consumer information.
Virtual Library on Microcredit - A repository of information on alternative, non-conventional
financial systems and microcredit, educating the public on issues related to microfinance and microcredit.
Virtual Merchant Account Provider
100 Best Merchant Accounts - A database of merchant accounts, e-commerce web hosts,
shopping carts, and other merchant services along with summaries, statements from the company and user reviews.
Bitcoin - An experimental new digital currency that enables instant payments to anyone, anywhere in the
world. Bitcoin uses peer-to-peer technology to operate with no central authority: managing transactions and issuing money are carried out
collectively by the network. Bitcoin is also the name of the open source software which enables the use of this currency. Also see Wikipedia entry.
CCNow - Bridges the gap between online buyers and sellers by providing a comprehensive set of secure
online checkout services.
ClickBank - Online billing solution used by thousands of web businesses that deliver products and
services over the Internet via web pages, files, or email. ClickBank's payment technology lets any web business (a merchant)
automatically pay sales commissions to any other web business (an affiliate) that links a paying customer to the merchant. Clickbank bills the customer, pays the merchant, and pays the affiliate.
NetBanx - Allows any Web site to start taking payments online with credit and debit cards. NetBanx clears card transactions in seconds and cardholder accounts are directly debited - the equivalent of card swipe machines
used by retailers when processing payment by credit or debit cards.
PayPal - Provides instant and secure online payment service.
QuickCommerce - A U.S. credit card processing company specializing in
merchant account and credit card transaction solutions for non-traditional merchants within the Internet, home-based, phone order/mail
order industries. Offers merchants the ability to accept all forms of non-cash payment, including Visa, Mastercard, American Express,
Discover, Diners Club, and electronic checks. Offices in New York, Florida, Texas, Illinois, Utah and California.
Revecom - Offers multi-currency transaction processing for businesses located anywhere on planet
SWREG - Provides software and shareware authors a convenient means of selling their products on the
WorldPay - Online credit and debit clearance by a leading payment provider. WorldPay's
services range from entry level storebuilder and secure online payment processing solutions, to high-end, multicurrency transaction
processing systems for larger organizations with an established web presence.
KWSnet is an Internet subject directory providing special attention to U.S. national and international news, the arts, computing, culture, environment, law, literature, media,
politics, science and technology. Based in San Francisco, California, KWSnet contains over 150,000 annotated links to resources worldwide. Use Search KWSnet, located at the top of each page, to search within this site. Use Ctrl-F (Windows) or ⌘-F (Mac) to
search within individual pages.