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The application process can be time-consuming and may require the ma borrower to provide a significant amount of documentation. Banks are well-established financial institutions that offer a wide range of loan products to fit the bad unique needs of their customers. Peer-to-peer lending: Peer-to-peer lending platforms allow individuals to borrow and lend money to one another without going through a traditional bank.

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They can be a useful financial tool for small businesses, as they can provide a source of funds to cover operating costs or invest in growth. This can make cash advances on credit cards a very expensive way to borrow money.