Loan market exists for more than 2000 years. It can be described as an agreement between lender and promisor to exchange a specific amount whit a specified repayment schedule and a floating interest rate. Mostly, loans mature between one and ten years. In many countries a commercial lender offers loans backed by solid collateral such as real estate. Also it can include factoring, non-conforming assets and other sources of collateral. A small business often uses loans to purchase fixed assets in order to use them for production processes. Financial institutions as banks, mutual companies, private lending institutions or other financial groups have specific tools, criteria and standards on which they evaluate potential borrowers. Commercial lenders always value the type, quality and other criteria of borrowers before they provide a certain loans. Nowadays, there have been some significant changes in the lending market. For example, credit unions are now allowed to give commercial loans with only minor restrictions. One of the most important restrictions credit unions have to follow is they are prohibited from lending more than 80% of the value of the real property. Such rules protect other union members as well as the industry itself. Commercial lenders prefer to lend for shorter periods of time than residential lenders. It is a common practice when commercial lenders offer a three or ten year loan with a payout on longer loan. For property owners such a financial situation requires to refinance a loan or even sell the property. Recently there have been rise of a new alternative investment management companies that offer to lend or borrow funds for private persons. As an investor you can invest a specified amount and without a high risk seen nowadays, get higher profit from this new type alternative investment management strategies. Mostly, your invested amount will be divided into smaller parts and lent to the private borrowers with different needs.