P.S.
The Google search I did to get the article I cite in #15 through-up a number of alternatives. Some that 'promise' a decision in an hour and boast a 98% rate of acceptance, that left me wondering just who is the desperate party.
There was also this, "Funding Circle" (see link below) about which I know nothing, but if any reader is in the market for financial assistance for their business, read on...
https://www.fundingcircle.com/about-us