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For a small fee, maybe you can tap your keyboard instead. Business loan applicants can create a loan package, connect to 225-plus lenders nationwide, and close a loan by filling out only california home loan mortgage rate refinance one application at iBank. com, explains Tom Markel, president and CEO of Credentrust Software, the Irvine, California, company that created and owns iBank.

com. "The average business, "he notes, "fills out four separate applications before getting accepted by a lender.

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