Alternative finance

Debt Term

If regulated banks and capital markets (“Wall Street”) provide mainstream financing to businesses and individuals, everything else is “alternative finance.” Historically this has included such things as factoring, equipment leasing, equity private placements, and payday loans.

Significant advances in technology coinciding with the global financial crisis starting in 2008 have led to dramatic increases in alternative finance, which significantly overlaps with fintech (financial technology).

Don Gooding

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