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The bad part about it is, well, you have to make all kinds of adult decisions.
You were either a stockbroker or a community banker or even in insurance sales, according to James Kinney, a certified financial planner and founder of the New Jersey-based Financial Pathways.
Fixed Rates A few caveats for lenders, though: The loans on both Prosper and Lending Club are at fixed rates.
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In many cases, qualified borrowers with projects exceeding $20 million can still obtain up to 90% financing.