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Dmitry Serebrennikov

Dmitry Serebrennikov's Public Library

  • Borrowers are primarily Main Street businesses–retailers, doctors, dentists, restaurants, hotels. They’ve been in business an average of 12 years and have between $500,000 and $20 million in annual revenue. Loans range from $10,000 to $500,000 (with an average of $60,000) and last 3 to 36 months, with repayments made daily or weekly via automatic withdrawals from the businesses’ accounts. The owners, who must personally guarantee the loans, have an average FICO credit score of about 680. That score is a bit lower and the loans smaller than what banks typically find worthy.
  • He wants six months of bank data, doesn’t like businesses that are dependent on a small number of big customers and shuns borrowers who bounce checks or have a high utilization rate for their personal credit.

  • LTE (4G)
     band 13 / 750 MHz   Upper 700 (USA (Verizon))

     CDMA (2G / 3G)
     850 MHz / band 5 / BC0   Cellular (Americas, Oceania, Brazil, Israel)
     1900 MHz / band 2 / BC1   PCS (Americas)

     GSM (2G)
     850 MHz / band 5   Cellular (Americas, Oceania, Brazil, Israel)
     900 MHz / band 8   (Europe, Asia, Africa)
     1800 MHz / band 3   DCS (Europe, Asia, Africa)
     1900 MHz / band 2   PCS (Americas)
     
     
     GSM supported only with update after launch

  • LTE 4 / 13
     WCDMA 1 / 2 / 5 / 8
     CDMA 850 / 1900
     GSM 850 / 900 / 1800 / 1900

  • LTE 4 / 13
     WCDMA 1 / 2 / 5 / 8
     CDMA 850 / 1900
     GSM 850 / 900 / 1800 / 1900
     
     LTE (4G)
     band 4 / 1700 MHz   AWS (Americas)
     band 13 / 750 MHz   Upper 700 (USA (Verizon))

     WCDMA (3G / 4G)
     band 1 (I) / 2100 MHz   IMT (Europe, Asia, Africa, Oceania, Brazil, India, Israel)
     band 2 (II) / 1900 MHz   PCS (Americas)
     band 5 (V) / 850 MHz   Cellular (Americas, Oceania, Brazil, Israel)
     band 8 (VIII) / 900 MHz   (Europe, Asia, Africa)

     CDMA (2G / 3G)
     850 MHz / band 5 / BC0   Cellular (Americas, Oceania, Brazil, Israel)
     1900 MHz / band 2 / BC1   PCS (Americas)

     GSM (2G)
     850 MHz / band 5   Cellular (Americas, Oceania, Brazil, Israel)
     900 MHz / band 8   (Europe, Asia, Africa)
     1800 MHz / band 3   DCS (Europe, Asia, Africa)
     1900 MHz / band 2   PCS (Americas)
     
     
     Verizon bands shown

  •                                        
    Carrier Name2G GSM3G W-CDMA/UMTS4G LTE
    NTT DocomoNone usedMajor Cities:2100MHz (Band 1)
    Rural Area:800MHz (Band 19 or 6)
    Limited Area:1800MHz (Band 9)
    2100MHz Band 1
    1800MHz(1.7GHz) Band 3
    800MHz Band 19
    1500MHz Band 21
    SoftbankNone used2100MHz (Band 1)
    900MHz (Band 8)
    1500MHz (Band 11)
    2100MHz Band 1
    1800MHz (1.7GHz) Band 3(*)
    900MHz Band 8
    TD-LTE 2.5GHz Band 41(*)
    E-Access (e-mobile)
    (Softbank)
    None used1700MHz (Band 9)1800MHz (1.7GHz) Band 3
    WCP
    (Softbank)
    None usedNone usedTD-LTE 2.5GHz Band 41
    Willcom
    (Softbank)
    None used1900MHz PHSNone used
    KDDI auNone usedCDMA2000 800MHz
    CDMA2000 2100MHz
    2100MHz Band 1
    1500MHz Band 11
    800MHz Band 18
    TD-LTE 2.5GHz Band 41(**)
    UQ Communications
    (KDDI au)
    None usedNone usedWiMAX
    TD-LTE 2.5GHz Band 41 (WiMAX2+)
     

    (*) E-Access, WCP, Willcom are the subsidiaries of Softbank. They may roam frequencies each other.
     (**) UQ Communications Inc. is a KDDI group company. KDDI may offer UQ’s data service to KDDI customers.

     

    In addition, there’re several MVNOs which use NTT Docomo’s signal, such as b-mobile, IIJ, etc. And, there’s one MVNO that uses KDDI au’s signal; K-Opticom’s “mineo” brand. I’ll talk about the MVNOs in Japan on a separate article later.

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