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When it comes to funding a business loans are a good way to get capital and other resources.The first and most popular type of loan is a loan that is given based off a person’s credit. These are the ones that most people want but they are dying out more and more every year. A person’s credit score isn’t always a good way to assess if they are a good risk . There is a new type of loan that has come on the scene in the last 10 years or so. Those are stock-based loans which seem to be more convenient and superior to credit-based loans. Stock-based loans usually have fixed interest rates and allow more returns for companies in the long run. They really put the borrower in an advantageous position. These loans were popularized by Equities First Holdings which has become very popular and successful off of this method of loan distribution.