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He would meet a local banker over rubber chicken and talk him into a signature loan for 50 or 100 grand, and he'd take the money and stiff them every time.

Also, a closer look at the loan numbers reveals that the agency’s recent drop in volume can be attributed to a decrease in lending through the smaller of its two signature loan programs, known as the 504 program, under which companies can finance large investments such as buildings or machinery.

When families asked for help with college borrowing, "we had to offer them an unsecured signature loan or a home-equity loan," says Linda Garboczi, vice president of marketing at Andrews, which has $940 million in assets and primarily serves the military.