Editing Cooperative (section)

=== Lending ===
Lending or debt instruments provide borrowers with funding in exchange for repayment of this funding along with interest, based on predetermined timeframes and interest rate terms. The provision of funding might require guarantees.<ref name=":10" />

==== Concessional/Flexible Loans ====
Concessional and flexible loans include special features such as no or low interest rates, extended repayment schedules, and interest rate modifications during the life of the loan.<ref name=":10" />

==== Crowdlending ====

{{see also|Crowdlending}}
Crowd lending, also known as [[peer-to-peer lending]], is the practice of lending money through online services that directly match lenders with borrowers. Lenders can earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates.<ref name=":10" />

==== Social bonds ====
For example, when the bank provides sums of money as donations or financing at competitive conditions in support of initiatives that favour social innovation.<ref name=":10" />