Banks Aren't Lending Enough. Can Startups Do Better?

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The easy money of the aughts came with a drawback or two, but the extent to which the consumer credit market has dried up since then isn’t without its own problems. Trustworthy borrowers with credit damaged by the financial crisis are having an unreasonably difficult time getting loans from banks. At least that’s the argument made by a new wave of tech-savvy financial upstarts who think they’re smarter than banks and are willing to be braver.

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