Two additional differences, this time favoring lending by banks, are that banks are more accessible for small and medium-sized companies, and that they have the ability to create money as they lend.
Dvije dodatne razlike, ovaj put pogodovanje kreditiranja od strane banaka, su da su banke pristupačnije malim i srednjim tvrtkama, te da imaju sposobnost da stvori novac kako pozajmljuju.