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Index
Cover
Contents
Title
Copyright
Dedication
Figures and Tables
Preface
Acknowledgments
About the Author
Part One: Survey of Funding Small Business
Chapter 1: How Small Businesses Are Funded
Defining Small Business
ABCs of Small Business Funding
Usual Suspects Providing Business Capital
The Rise of Alternative Financing
Chapter 2: Elusive Nature of Bank Funding
Risk Appetite Is an Oxymoron
Source of Bank Funding Limits Its Use
Small Business Credit Is Difficult to Scale
Loan and Bank Size Are Inversely Related
Chapter 3: Capital Market Disruptions, Post-2008
Didn’t Anyone See Bubble Coming?
This Time Was Different
Where Did Main Street Funding Go?
SBA—Main Street’s Federal Bailout?
Supply versus Demand—Did Anyone Ask for a Loan (and What Was the Answer)?
Post-Crisis Reflections on Financial Regulation
Part Two: A Perfect Storm Rising
Chapter 4: A Paradigm Shift Created by Amazon, Google, and Facebook
Amazon Creates Digital Trust
Who Answered All Those Questions Before?
Your Opinion Is (In)valuable
How Do These Changes Affect Small Business Lending?
Chapter 5: Private Equity In Search of ROI
The Fed’s Low Interest Policy and the Effects on the Private Investor
Wall Street Isn’t Main Street
First Buy In, Then Invest Up
A Cautionary Note about a 72 Percent APR
Chapter 6: First Change the Marketplace, Then Change the Market
Old Thinking/Technology Can Stifle Credit
Morality and Money
The Unintended Consequences of Old Law
Capital Markets Go Digital
Pattern Recognition—Data Is the Game Changer
Different Processes and Different Views
Crowdfunding versus the Crowd That Got Funding
The Rise in Alternative Paths to Source Funding
Billions Went Missing and No One Noticed?
Part Three: Digital Dynamics in Small Business Funding
Chapter 7: Funders and Lenders—Online Capital Providers
Innovative Funding Marketplace
Online Funders: Purchasing Future Receipts
Online Lenders: Money from the Cloud
Chapter 8: Crowdfunding with Donors, Innovators, Loaners, and Shareholders
Donors—Funding Arts, Solving Problems, and Floating Local Businesses with No Strings Attached
Innovators—Buy It, I’ll Build It
Loaners—Brother Can You Refinance My Visa?
Shareholders—Online Market for Equity
Crowded Elevator?
Chapter 9: Other Innovative Funding Sources on the Rise
Factoring in the Digital Age
Working Capital Management as a Financing Strategy
Investing Retirement Funds in Self, Inc.
No Store, No Hours, No Bank, No Problem—Virtual Lenders for Virtual Merchants
Taking as Much Time as Needed to Repay
Chapter 10: Capital Guides—Online Resources to Find, Coach, and Assist Borrowers and Lenders
Loan Brokers
Other Online Resources
Chapter 11: What Innovation Means for Bank Lending
Competition Erodes Banks’ Share of Small Business Loans (Again)
What Banks Can Fund (but Won’t) versus What Banks Cannot Fund (but Will)
The Best Defense Is Still a Good Offense
Banks Still Have the Most Customers and Cheapest Bucks in Town
What’s Next? Character Redux, Rise of Alternative Payments, and?
About the Companion Website
Index
End User License Agreement
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