# Gradient Boosting Machine – A Brief Introduction

One of the Predictive Analytics projects I am working on at Expedia uses Gradient Boosting Machine (GBM). This is currently one of the state of the art algorithms in Machine Learning. This article provides insights on how to get started and advices for further readings.

I will now focus on the use of GBM for regression, based on decision trees as prediction models. Using concepts of ensemble learning (www.tinyurl.com/ens-learn), the algorithm is based on the iterative construction of regression trees. From the second iteration, the algorithm tries to minimize the error (instead of matching the target) in order to focus on cases with higher errors. A notion of bagging can also be incorporated (see bagging fraction parameter below).

I would summarize GBM using the following description (from Natekin and Knoll, see the tutorial below): “In gradient boosting machines, or simply, GBMs, the learning procedure consecutively fits new models to provide a more accurate estimate of the response variable. The principle idea behind this algorithm is to construct the new base-learners to be maximally correlated with the negative gradient of the loss function, associated with the whole ensemble. The loss functions applied can be arbitrary, but to give a better intuition, if the error function is the classic squared-error loss, the learning procedure would result in consecutive error-fitting.

Examples of parameters to tune for GBM include:

• Learning rate: the lower the better; usually, the computational time will be the limit. This is the first parameter to be set.
• Number of iterations (trees): this can be tuned using cross-validation.
• Tree depth: maximum depth of the tree; can be set using cross-validation.
• Bagging fraction: percent of data to sample (a value of 1 means all the data are used at each iteration, so no bagging is used)

GBM provided better results than random forest for the regression problem I am involved in. Since there is no free lunch Machine Learning algorithm (www.no-free-lunch.org), you will have to test it to your specific problem. Note that it will be much easier to parallelize execution in the case of random forests.

Here is a list of articles I found very useful (if you were to read only one of them, I would advise the tutorial one):

For the implementation, I use the GBM package in R (www.tinyurl.com/GBM-CRAN). Note that the execution time can be an issue. On a training set of 100k rows and 15 features, building the model can take up to 45min on a business laptop.

This article was originally published in issue 4 of the Swiss Analytics Magazine.

## 100 comments found on “Gradient Boosting Machine – A Brief Introduction”

1. Lakewood Financial Institutions says:

Do you need a loan to start up business or to pay your bills and a corporate financial for real estate and any kinds of business financing. LAKEWOOD FINANCIAL INSTITUTIONS also offer Loans to individuals,Firms and corporate bodies at 2% interest rate. LAKEWOOD give out loan to serious minded people that are interested of loan if interested contact this email:lakewook21@gamil.com or lakewook23@yahoo.com and lakewook_financialinstitutions@consultant.com

2. Frankie says:

HOW I GET A LOAN HELP @ 2% INTEREST RATE with victorialawson@financier.com

I was not sure of getting a legit loan lender online But when i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find VICTORIA LAWSON Trust Loan Firm (victorialawson@financier.com) with 2% interest Rate and applied immediately with my details as directed. Within 3Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact VICTORIA LAWSON LOAN Company with victorialawson@financier.com For easy and safe transaction.

*Full Name:_________

*Tell:_________

*loan amount:_________

*Loan duration:_________

*Country:_________

*Purpose of loan:_________

*Monthly Income:__________

*Occupation__________

*Next of kins :_________

*Email :_________

3. Anita Frank says:

HOW I GOT MY LOAN FROM THIS GREAT COMPANY

Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a

financial situation in April 2016 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and

corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender

they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Timothy Atkins

the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Timothy Atkins if you are

interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( flfinancialloanservice@gmail.com) No

credit check, no co signer with just 1.3% interest rate and better repayment plans and schedule if you must contact any firm with reference to

securing a loan without collateral then contact Mr. Timothy Atkins today for your loan
They offer all kind of categories of loan they
Short term loan (5_10years)
Long term loan (20_40)
Media term loan(10_20)
They offer loan like
Home loan…………., Business loan…….. Debt loan …….
Business loan……. , Company loan………….. etc
Email……….( flfinancialloanservice@gmail.com )
When it comes to financial crisis and loan then Mr. Timothy Atkinsloan financial is the place to go please just tell him I Mrs. Anita Frank direct

4. Betty Nero says:

Do you need an urgent cash loan to settle off your bills and pay your debts? if so, please email us today via: betty.nero2@gmail.com

5. Good Day;

This is a special message to all intended loan seekers, private Persons, authorize companies serious minded people that Daniel Silver Loan Firm is specified out giving out loan at an interest rate of 3%. I can offer you this loan which you have been seeking for from other lenders. I offer loan to people on bad credit, home improvement loan, personal and business loan, student looking for financial help and to companies with the 100% guarantee. contact us today via company email: (daniel_loanlenders@hotmail.com).

Borrower’s Information:

Full name:
Country:
Age:
Occupation:
Marital status:
Place of work:
Sex:
Telephone:
Mobile Phone number:
Monthly Income:
Amount needed:
Purpose of Loan:
Loan duration:

Thanks

***********************************
Daniel Silver
Email: daniel_loanlenders@hotmail.com
Email: danielloanlenders@gmail.com
************************************

6. Mrs. Ceren says:

WELCOME TO PERGO CORPORATE FINANCE LOAN SERVICE.
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS.

Kindly write us back with the loan information;
– Complete Name:
– Loan amount needed…\$, €, £:
– Loan Duration:
– Purpose of loan:
– City / Country:
– Telephone:
– Name of the Site:

If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com

We look forward to hear from you ASAP

7. Mayor Vargas says:

Have your love broken up with you and you want to make up with him/her again? Doctor Osemu Okpamen has come to help everyone that are heart broken to get back their loves back to them again. Reach him now via email at { Doctorokpamenspelltemple@yahoo.com } or reach him on +1 (914)-517-3229, +2348135254384. He will help you in anything you need and quick to answer once you contact him.

8. Loya says:

If you need to hack into any database, delete record, improve credit score, spy on whatsapp, text, phone, emails, as long as it’s hack contact jack @v ia Email :: hackanydatabase@gmail.com Whats-App ::+27786114613 he is great, you won’t be disappointed, cheap and fast, he saved my relationship Tell him Loya

9. Sarah says:

I’m extremely happy that my broken Marriage has been fixed…
“We recently made up, even though it was difficult. It’s been more than a month now, and everything feels like it’s returned to normal. He has begun to treat me better, and it’s been a healing process for both of us. The nightmare that had lasted for almost 2 years before we broke up is finally over. It’s like we fell in love all over again! We’ve both put the past behind us, and are trying to move forward – and for the first time in a long time, the future looks a lot brighter.
I can’t express in words how grateful I am Dr Unity! It’s like we’ve finally rediscovered those things about each other that made us fall in love in the first place. All of the worrying and stress has simply vanished. Thank you Dr Unity for saving my broken Marriage and brought my husband back to me!”.
Me and my husband are living together happily again.. All thanks to Dr Unity. If you have any problem contact Dr.Unity now and i guarantee you that he will help you.Email him at: Unityspelltemple@gmail.com ,you can also call him or add him on whats-app: +2348071622464.
Sarah, 26 years, Memphis, USA.

10. LOAN OFFER says:

HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED SLIVINU MARKO LOAN COMPANY

Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2015 and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr Slivinu Marko the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr Slivinu Marko if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( slivinumarko@yahoo.com ) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr Slivinu Marko today for your loan

They offer all kind of categories of loan they

Short term loan (5_10years)
Long term loan (20_40)
Media term loan(10_20)
They offer loan like
Home loan…………., Business loan…….. Debt loan …….
Business loan……. , Company loan………….. etc
Email……….( slivinumarko@yahoo.com )
When it comes to financial crisis and loan then Mr Slivinu Marko loan financial is the place to go please just tell him I Martha Loiussa direct you Good Luck…. HS EMAIL IS : slivinumarko@yahoo.com

11. Robin Lamura says:

Hello,

My name is Robin Floyd Lamura. I am from Berlin Germany and i am a happy man today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.

If you are in need of loan and you are 100% sure to pay back the loan please contact them, They are European helping loan seekers get loan with easy steps, please tell the Loan agents that Mr, Robin Floyd referred you to them.

contact via E_mail: Standardchapter@outlook.it

12. olive says:

Hello, Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions, then i was just like you yes until i met this Legitimate loan company that offered me my desired loan with low interest rate of 2%.If you are interested in taking a loan,feel free to contact today, Just give this loan company a try, because a trial will convince you. What are your Financial needs? Do you need a business loan? Do you need a personal loan? Do you want to buy a car? Do you want to refinance? Do you need a mortgage loan? Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Please do not hesitate to contact NOW for possible business co-operation
EMAIL: kingsfinanceloancompany@yahoo.com
WEBSITE: kingsfinanceloancompany.webs.com
TEXT ONLY: +1(310) 307-0912

13. Dr. James Gavin says:

WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS…

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 2.00%

Yours Sincerely,
Dr. James Gavin
(jamesgavinloanhome@gmail.com) or (Jamesgavinloanhome@solution4u.com)

14. LAKE COOK says:

Xmas Xmas Loan

When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find LAKE COOK Trust Loan Firm ( lakecook07@gmail.com ) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application he wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact LAKE COOK LOAN Company For easy and safe Transaction.

Xmas Xmas Loan

15. WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS. says:

Compliments of the day,

Are you a business man or woman? Do you need a loan to start up your own business? Do you need a loan to settle your debts? Interested applicants should Contact us via email: pergocf@fastservice.com

or pay off your bills? Do you need funds to finance your project? We Offer guaranteed loan services of any amount

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com

We look forward to hear from you ASAP

16. WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS. says:

Are you a business man or woman? Do you need a loan to start up your own business? Do you need a loan to settle your debts? Interested applicants should Contact us via email: pergocf@fastservice.com

or pay off your bills? Do you need funds to finance your project? We Offer guaranteed loan services of any amount

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com

We look forward to hear from you ASAP

17. Dr. James Gavin says:

Compliments of the day,

Are you a business man or woman? Do you need a loan to start up your own business? Do you need a loan to settle your debts

or pay off your bills? Do you need funds to finance your project? We Offer guaranteed loan services of any amount

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 2.00%

Yours Sincerely,
Dr. James Gavin
(jamesgavinloanhome@gmail.com) or (Jamesgavinloanhome@solution4u.com)

18. Kim Blair says:

Xmas Xmas Loan it was terrible i could not pay my Debt any more, i needed to pay my daughter’s hospital bills and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and family when there was no hope any more i decide to go online to seek a loan and i found KINGS FINANCE LOAN COMPANY with 2% interest Rate and applied immediately with my details as directed. Within 24 hours of my application he wired my loan amount To pay off my debt and get a new home and for Xmas now am the happiest person in the world all thanks to this God fearing Lender you can reach this company through:
EMAIL: kingsfinanceloancompany@yahoo.com
WEBSITE:kingsfinanceloancompany-us.webs.com

19. Daura says:

Do you need hackers for hire? Do you need to keep an eye on your spouse by gaining access to their emails? As a parent do you want to know what your kids do on a daily basis on social networks ( This includes facebook, twitter , instagram, whatsapp, WeChat and others to make sure they’re not getting into trouble? Whatever it is, Ranging from Bank Jobs, Flipping cash, Criminal records, DMV, Taxes, Name it,he will get the job done.He’s a professional hacker with 20 Years+ experience. Contact him at dragonhhacker@gmail.com … Send an email and Its done. Its that easy, Daura referred you

20. Attention Every One!!! My name is Eric Verine, a citizen of United State i have been scammed by 2 different Internet international scammed lender, they all promise to give me a loan after making me pay fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of \$4,300USD. One today as i was browsing through the internet with tears on my eyes i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Loan Sharking Investment Company the C.E.O of Mr Hubert Pawel {loansharkinginvestment@gmail.com} where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 2 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all what was requested of me and here i am today happy because Mr Hubert Pawel loan company {loansharkinginvestment@gmail.com} has given me a Loan so i made a vow to my self that i will keep testifying on the internet on how i got my desired loan. Do you need a loan urgently kindly and quickly contact Loan Sharking Investment via Email: {loansharkinginvestment@gmail.com} Thank you all as you read!

21. Ketesha Frank says:

How i got my Desired Loan Amount from a Reliable Loan Company (Adolfloancompany@yahoo.com)

Good day everybody am Ketesha Frank By name am from the United State Of America i want to give thanks and a great appreciation to Mr Adolf Alex Loan Company for offering me loan for purchasing my house with a low interest rate. I want to give thanks to him for giving me this loan. My friends out there who needs loan for different purposes i advice you contact Mr Adolf Alex Loan Company for loan instead of falling in to hands of Scammers online. Am happy today because of Mr Adolf Alex Loan Company. So if you want to contact them for a loan you contact them on: ( Adolfloancompany@yahoo.com)or Text: +1 571-322-5806…,

22. Ketesha Frank says:

….How i got my Desired Loan Amount from a Reliable Loan Company (Adolfloancompany@yahoo.com)

Good day everybody am Ketesha Frank By name am from the United State Of America i want to give thanks and a great appreciation to Mr Adolf Alex Loan Company for offering me loan for purchasing my house with a low interest rate. I want to give thanks to him for giving me this loan. My friends out there who needs loan for different purposes i advice you contact Mr Adolf Alex Loan Company for loan instead of falling in to hands of Scammers online. Am happy today because of Mr Adolf Alex Loan Company. So if you want to contact them for a loan you contact them on: ( Adolfloancompany@yahoo.com)or Text: +1 571-322-5806…,

23. Gudipati Harikishan says:

Dear Partner/Associate,

Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs, MTNs, LCs, CDs and others on lease and sales at a rate of (3 + 0.5 + X)% of the facevalue and reasonable conditions from a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.

We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding.

Regards
Gudipati Harikishan
Email: gudipati101@gmail.com
Skype: gudipati.harikishan

Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

24. Henry James multi-finance says:

HenryJames Multi-Finance Loan Offer!

Our online 24/7 Personal Loan is designed to meet your diverse needs,at the time you need it.Be it a vacation,a marriage or even higher education,now your plan need not wait. With our instant online Personal Loan approval and money-in-bank in 72 hours.We offer all kinds Loans to individuals, Firms and cooperate bodies at a very low interest rate per annual here at HenryJames Multi-Finance Co.,Inc., if interested contact us today Via E-mail: henryjamesmultifinance@gmail.com OR text us on +1(561)-231-9522.

Warm regards,
HenryJames Multi-Finance Co.,Inc.

25. Amelie Carton says:

HOW I GOT MY XMAS LOAN FROM HALIFAX BANK PLC!!!

My name is Amelie Carton, from South Carolina, I am a single mom with two kids. I want to speak the good deal done to me by HALIFAX BANK PLC they showed me light by giving me loan for my daughter’s medication and for Xmas as well after been scammed by 4 different Internet lender, who are nothing but scam they promise to give me a loan after making me pay fee which yield nothing at all. i lost allot of money in the process. On this faithful day while browsing through the Internet looking determined on how to get a loan i came across a testimony of Jane Harold who was also scammed by some loan lender and eventually got her loan from HALIFAX BANK PLC so i decided to contact the same bank and as God would have it i successfully secured a loan \$600,000.00 as well i have made the right choice by contacting them. My advice thou out there search for a legit place to secure an Xmas loan kindly and quickly contact HALIFAX BANK PLC via email:halifax.bank6@aol.com they don’t know I’m speaking of the good thing they has done for me. EMAIL VIA:halifax.bank6@aol.com

26. Benita I. Smith says:

HOW I GOT MY LOAN FROM easyloanstoday247@gmail.com.

Good Day.

My name is Benita I. Smith i am a citizen of the U.S.A i want to testify of the good Loan Lender who showed light to me after been scammed by 4 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of \$8,000. One day as i was browsing through the Internet looking forsterated when i came across a testimony man who was also scammed and eventually got linked to a legit loan company called EASY LOAN TODAY COMPANY (easyloanstoday247@gmail.com) where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 4 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of \$600,000.00 by this great Company (EASY LOAN TODAY COMPANY } managed by MRS VERONICA KENT and here i am today happy with my family because EASY LOAN TODAY COMPANY has given me a loan so i made a vow to my self that i will keep testifying on the Internet on how i got my loan. Do you need a loan urgently? kindly and quickly contact EASY LOAN TODAY COMPANY now for your loan via email: (easyloanstoday247@gmail.com) i believe other people are also giving testimony on this same honest lender.

27. rodney says:

Are you financially squeezed? In need of a private or business loans for various purposes? Do you seek loans to carry out large projects? Do you seek funding for personal use? If yes then search no more. We offers all type of financial loan supports for Business/Home loans, School loans, Investment loans, Transportation loans, Project financing and line of credit loans at interest rate of 3% per annual.

Regards
Rodney Scheuer
Loan Officer at
Rodney Scheuer Loan comapany,
We service people, Not just Loans.

28. David says:

Get BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it’s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of \$5,000.00 USD in a day. Now email us today at our E-mail address at: Atmcardcashmachine@hotmail.com and get your card today and live that luxury life you every dream to live.

loan from Barclays bank

MY names are Karen Bradley from Florida,USA, am a married woman at the moment with two kids and i was stuck in a financial situation in august 2016 and i needed to refinance and pay my bills for my son medication and xmax loan. I
tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to BARCLAYS BANK PLC (BBPLC) Public limited with Share Capital
Company by a friend,and i got a loan sum of \$300,000.00 USD on the 5th of october 2016 and today am a business owner and my kids are doing well… so i want to advice any one in need of a loan to quickly contact him via email on :barclays.bankplc3@aol.com he does not know am doing this i pray that God will bless him for the good things he has done in my life.

EMAIL VIA:barclays.bankplc3@aol.com
Contact:+17472004690

30. Do you need Financial Assistance? says:

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

31. Do you need Financial Assistance? says:

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

32. Do you need Financial Assistance? says:

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Our commitment is to make business ownership a viable career for individuals who struggle to raise finance.
We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00%
If you are interested to get a loan then kindly write us with the loan requirement.

Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com

We look forward to hear from you ASAP

33. rena robert says:

One evening, i was reading a blog of how so many people got this blank card online when i was trying to search for a new job, but it didn’t seem clear to me so i ignored. Three days later, i was so surprised to see a comment by my cousin on how he got the blank card worth Millions of Dollars and without hesitation i gave him a call to confirm gust what it was real an i ask he to come over to the house to tell me more about the card and he told me that its a miracle that i needed to per-take. He gave me the email address of the hackers and i contact them for the card and they responded and told me all the procedures and terms of the card which was also what my cousin told me, i agreed and completed their requirement to get the card.six days later, i heard knock on my door an behold was the courier agent who brought the parcel to my house and today i am \$15,Millionaire richer and i thank God to this hackers and to my cousin brother who lead me to them. It might sounds odd but you can get yours via edwardhackersworld55@gmail.com.

34. Good Day;

This is a special message to all intended loan seekers, private Persons, authorize companies serious minded people that Daniel Silver Loan Firm is specified out giving out loan at an interest rate of 3%. I can offer you this loan which you have been seeking for from other lenders. I offer loan to people on bad credit, home improvement loan, personal and business loan, student looking for financial help and to companies with the 100% guarantee. contact us today via company email: (daniel_loanlenders@hotmail.com).

Borrower’s Information:

Full name:
Country:
Age:
Occupation:
Marital status:
Place of work:
Sex:
Telephone:
Mobile Phone number:
Monthly Income:
Amount needed:
Purpose of Loan:
Loan duration:

Thanks

***********************************
Daniel Silver
Email: daniel_loanlenders@hotmail.com
Email: danielloanlenders@gmail.com
*******************************

35. pastor says:

My dear brothers and sisters, My name is Pastor Bryce Knorr.I am the general Overseer of the Church of Christ Foundation Ministry. I just came across this website while searching for an information on the internet and i found out that there are a lot of where to get a loan this new year 2016 to start up a business or expand their existing business. My Godly conscience will not allow me to keep quiet and not to direct people to a genuine place where i got loan from a foreign private loan company with just 2% interest rate without stress bypassing the rigorous processes of our local commercial banks. Sometimes late last year when we where looking for funds to expand our church. A fellow Pastor directed me to this foreign private loan company where he had also gotten his loan. I was told to contact one of them via (davidmike756@gmail.com We applied for an unsecured loan of \$100,000USD to expand our ministry and within 48 hours working days, the whole process was completed. When we announced to our church family members after one week that the loan was approved and the note to the local bank had been paid, applause filled the worship center. NO COLLATERAL REQUIRED. NO CREDIT CHECK.The loan application process was explained clearly and [they] walked us through every aspect.So my brothers and sisters while surfing the internet, i decided to stop by and share this information because information they say is power. Who knows, your financial breakthrough this 2016 may just be this little piece of information when acted upon. if there is anyone here looking for a loan, contact them through their email and by the special power of the almighty, 2016 will be your financial breakthrough in thy mighty name of JESUS….GOD BLESS YOU ALL.

36. Jeannette Hiller says:

HOW I GOT MY XMAS LOAN.

My name is Jeannette Hiller, from Prince Rupert, British Columbia. I am a married woman at the moment with three kids. I want to speak of the good deal done to me by Kendrick Investments Limited, they restored my happiness by giving me a loan, i needed to refinance and pay my son’s medication bills and Xmas loan. Before now I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. On this faithful day while browsing through the Internet making research I came across a testimony sheared by one Mrs Karen on how she got her loan from Kendrick Investments Limited i decided to contact the same company and as God would have it,i successfully secured a loan \$145,000.00. I have made the right choice by contacting them. My advice to those out there search for a legit place to secure an Xmas loan kindly and quickly contact Kendrick Investments Limited via email:kendrickinvestments@outlook.com or call to his mobile +1-386-202-2899 they don’t know I’m speaking of the good thing they has done for me. email via:kendrickinvestments@outlook.com

37. susan says:

i was lost with no hope for my husband was cheating and had always got away with it because i did not know how or always too scared to pin anything on him.
with the help a friend who recommended me to cyberappshacker who help hack his phone, email, chat, sms and expose him for a cheater he is.
I just want to say a big thank you to cyberappshacker@gmail.com. he understands how i felt and guided me every step. tell him from me……….

38. Ketesha Frank says:

How i got my Desired Loan Amount from a Reliable Loan Company (Adolfloancompany@yahoo.com)

Good day everybody am Ketesha Frank By name am from the United State Of America i want to give thanks and a great appreciation to Mr Adolf Alex Loan Company for offering me loan for purchasing my house with a low interest rate. I want to give thanks to him for giving me this loan. My friends out there who needs loan for different purposes i advice you contact Mr Adolf Alex Loan Company for loan instead of falling in to hands of Scammers online. Am happy today because of Mr Adolf Alex Loan Company. So if you want to contact them for a loan you contact them on: ( Adolfloancompany@yahoo.com)or Text: +1 571-322-5806..,.

39. emmanuel says:

I have used Cyberhacklove@gmail.com quite a number of times and they have never disappointed me.They helped me monitor my Husband phone when I was gathering evidence during the divorce. I got virtually every information he has been hiding over the months easily on my own phone: the spy app diverted all his whatsapp, facebook, text messages, sent and received through the phone: I also got his phone calls and deleted messages. he could not believe his eyes when he saw the evidence because he had no idea he was hacked. they do all types of mobile hacks and computer hacks,you get
unrestricted and unnoticeable access to your partner/spouse/anybody’s social account, email,E.T.C Getting the job done is as simple as sending an email to cyberhacklove@gmail.com or TEXT +16066579237 stating what you want to do?

40. Roberts Antony says:

HOW I GOT MY XMAS LOAN.

My name is Roberts Antony, from Baltimore, MD. I am a married man at the moment with three kids. I want to speak of the good deal done to me by Jermaine Loans, they restored my happiness by giving me a loan, i needed to refinance and pay my son’s medication bills and Xmas loan. Before now I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. On this faithful day while browsing through the Int

41. Dr. Luke Sebastian says:

DO YOU NEED AN URGENT LOAN FOR XMAS!!!!!!

Compliments of the day,

Are you a business man or woman? Do you need a loan to start up your own business? Do you need a loan to settle your debts

or pay off your bills? Do you need funds to finance your project? We Offer guaranteed loan services of any amount

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. solution to your financial problem is Dr. Luke Sabestian Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses.

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties Mortgages, Home loans, business loans, bad credit loans, commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, student loans, personal loans, Debts Consolidation Loans with low interest rate at 2.00%

Yours Sincerely,
Dr. Luke Sebastian
(lukesebastianloans@cash4u.com) or (lukesabestianloans@gmail.com)

42. MIKKY NELSON says:

LMLOANS, LOW RATES

Why suffer from Low cash or financial problem when LMLoans Investment is granting

out loans and aids to thousand of loan applicants.If you are willing to get a loan

from them , All you need do is contact them on their company email at

LMLoansinvestment@gmail.com with your loan request or call or call +13235960923.
Best regard,
Mr. Mikky Nelson
LMLoans Investment.

43. SARAH WILLIAMS says:

Sky World loan Firm, we give out loans at an interest rate 0f 3%.

Good day sir / ma am.

We are a private company and we offer loans at low interest rates in determining the amount of the loan is between 100 million loan provisions of \$ 1,000 dollar loan for business development: edge / business expansion competitiveness.

We offer a variety of loan

* Personal Loans (secured and unsecured)
* Business Loans (secured and unsecured)
* Consolidation Loan

No upfront fees.

skyworldloanfirm@gmail.com
skyworldloanfirms@yahoo.com

Sarah Williams.

44. Dr. Luke Sebastian says:

DO YOU NEED AN URGENT LOAN FOR XMAS!!!!!!

Compliments of the day,

Are you a business man or woman? Do you need a loan to start up your own business? Do you need a loan to settle your debts

or pay off your bills? Do you need funds to finance your project? We Offer guaranteed loan services of any amount

Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. solution to your financial problem is Dr. Luke Sebastian Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses.

**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?

We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties Mortgages, Home loans, business loans, bad credit loans, commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, student loans, personal loans, Debts Consolidation Loans with low interest rate at 2.00%

Yours Sincerely,
Dr. Luke Sebastian
(lukesebastianloans@cash4u.com) or (lukesabestianloans@gmail.com)

45. Ketesha Frank says:

How i got my Desired Loan Amount from a Reliable Loan Company (Adolfloancompany@yahoo.com)

Good day everybody am Ketesha Frank By name am from the United State Of America i want to give thanks and a great appreciation to Mr Adolf Alex Loan Company for offering me loan for purchasing my house with a low interest rate. I want to give thanks to him for giving me this loan. My friends out there who needs loan for different purposes i advice you contact Mr Adolf Alex Loan Company for loan instead of falling in to hands of Scammers online. Am happy today because of Mr Adolf Alex Loan Company. So if you want to contact them for a loan you contact them on: ( Adolfloancompany@yahoo.com)or Text: +1 571-322-5806.

46. Michael Buen says:

Are you a business man or a woman? Do you need money to start your own
or start a nice business? Do you need money for your project? We offer
secured loans of any amount and anywhere in the world (individuals,
businesses, real estate and legal persons) in our rate of 2%

47. Linda Meyers Miller says:

HOW I GOT MY XMAS LOAN.

My name is Linda Meyers Miller, from Arlington, Texas USA, I’m a married woman at the moment with three kids Stephanny, Aaron and Sean. I Love my 6 grandchildren with all my heart. I was stuck in a financial situation in September 2016 and i needed to refinance and pay my bills for my son’s medication and Xmax loan. I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit. But as God would have it, i was introduced to Mr Christopher Kendrick Kendrick Investments Limited, a loan lending company with Private limited with Share Capital Company by a friend,and i got a loan sum of \$142,000.00 USD on the 22nd of November 2016 and today am a business owner and my kids are doing well… so i want to advice any one in need of a loan to quickly contact him via email on kendrickinvestmentslimited@outlook.com he does not know am doing this i pray that God will bless him for the good things he has done in my life. Email via:- kendrickinvestmentslimited@outlook.com.. Thanks..

48. jenniffer says:

Do you need an Xmas Loan ,loan to pay your bills? Do you need Personal or business loan? Need a loan for various
largest loan of \$5,000.000.00. We offer loan @ 3% fixed interest rate for the duration of 1-20 years. We give two
months grace period before monthly payment begins. So, if you are interested, In Getting A Loan Email Us
(jenifferjordonloanfund999@gmail.com) God Bless You. Best Regards Mrs.jenniffer

49. Johnson Elizabeth says:

HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED DR. LUKE SEBASTIAN LOAN COMPANY

Hello to All across the globe, I am Johnson Elizabeth, from United State Of America, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me twice before I meet Dr. Luke Sebastian the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Dr. Luke Sebastian if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ((lukesebastianloans@cash4u.com) or (lukesabestianloans@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Dr. Luke Sebastian today for your loan

They offer all kind of categories of loan they

Short term loan (1_10years)
Long term loan (20_30 years)
They offer loan like
Home loan…………., Business loan…….. Debt consolidation loan …….