As old as human history, the concept of borrowing and lending is. In terms of finances, some people have plenty to live on, but others have barely enough. This imbalance in financial distribution will continue to exist, so there will be an ever-present need for borrowing and the desire to lend.

The act of lending involves the giving of a credit resource with the agreement that it will be returned after a set period. This would include money and any other assets.