Lending

Applications for small business and commercial real estate loans are rising, creating some optimism among lenders — and more temptation to loosen standards to land those borrowers.

Small-bank executives are more optimistic about future loan demand than at any point since 2017, but they have mixed feelings about how to fund upgrades to the nation's roads, bridges and other infrastructure — if at all — according to a new survey by IntraFi Network.

Many younger people are looking for financing and are averse to traditional credit cards, says Four's Chaim Lever.

Citizens Bank and Barclays US are among the lenders expanding in this market — with or without fintechs on board.

Citizens Bank and Barclays US are among the lenders expanding in this market — with or without fintechs on board.

The end of the refinancing boom and impending rise in rates are not the only challenges lenders face. As one observer put it, they "can't make loans on homes that don't exist."

On Dec. 31, 2020. Dollars in thousands.

The New York bank, which holds deposits for the stablecoin firm Circle and enables payments for the smart contract provider GreenBox, wants to provide loans to crypto firms as well.

The New York bank, which holds deposits for the stablecoin firm Circle and enables payments for the smart contract provider GreenBox, wants to provide loans to crypto firms as well.

Data from the National Credit Union Administration shows the two states are bucking the trend of slowdowns in membership and lending.