Finding a personal loan today

LoanBillboard could have a dramatic effect on the personal and small business loan markets by being the first site globally to bring “Reverse Marketing” to the origination of personal and small business loans. Reverse Marketing is where the borrowers firstly put their details and loan requirements onto the LoanBillboard which any bank or lender can then access and get a ready list of leads for making new loans to. A key difference with Reverse Marketing is that the banks from anywhere in the US, or even the world, can come to the borrower instead of vice-versa.

Typically, today a borrower has to go to one of the comparison sites (like in the US or in Australia) in order to find a loan and the borrower then looks up which banks or lenders have come up for them there. Alternatively, they can also go directly to each bank’s or lender’s own website and apply there. They then have to an make an application to each of those bank or lender sites. The borrower is only gaining access to sites which can be looked up by that particular loan comparison site’s “network” and may miss other banks or lenders that could have offered as good or better deals ( has a network of only 400 banks and lenders but there are over 4,100 banks and 900 non-bank lenders in the US alone).

The borrower then has to fill in an application form for each lending site and wait for an acceptance or rejection. A long, tedious and flawed process!


LoanBillboard is nothing short of a revolution in both personal and small business lending. The reason that there is an opening in the market is the fact that currently 76% of applications for personal loans made through the existing channels are denied and, of the applications which are accepted, only 35% of them actually end up being successfully originated*. There are a lot of disappointed personal loan applicants!

LoanBillboard can work on its own or as a supplement to the existing loan comparison sites. This is using the Internet for the exact purpose it was created for, to bring people together and create new connections between personal and business parties.

With LoanBillboard the borrower has access to a truly global market for their loan, far beyond what they may find on the comparison sites. Their borrowing requirements can now be seen by every bank or non-bank lender globally. The banks and lenders also now have access to a ready source of leads for making new more deals.

LoanBillboard puts the borrower in direct communication with the bank or lender using a negotiation screen. Personal loans in future will become more and more like other bank loans, in respect of the way they can be rapidly negotiated over a web-browser between the borrower and lender (for terms such as interest rate, cash flows and collateral).

Instead of the “one size fits all” for personal loans today, LoanBillboard facilitates this type of negotiation – that the Internet is so good at – between the borrower and the bank or lender, to make the best possible deal for both sides.


Use the menu above to see all the key aspects of LoanBillboard including the business plan, financial projections and demonstrations.


Loan Billboard




+61 2 9477 1793

+61 401 989 573

Contact personnel

Ray Camrass

Julia Korzeniewski

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