Changes

== Beyond Bank Loans==

While alternative methods of financing (crowdfunding, online platforms for fundraising, and online term loans) have arisen in the wake of this "credit crunch", they still represent a drop in the bucket. Moreover, these alternative methods are widely unregulated, and are likely to undergo significant changes before they can be deemed as "mainstream" sources of capital generation. In the meantime, small businesses are looking beyond the banking system for a solution.