Loans are typically issued by corporations, financial institutions, and governments. Loans allow for growth in the overall money supply in an economy and open up competition by lending to new businesses. Loans also help existing companies expand their operations. The interest and fees from loans are a primary source of revenue for many banks, as well as some retailers through the use of credit facilities and credit cards. They can also take the form of bonds and certificates of deposit. It is possible to take a loan from a person’s 401(k). Often, a person’s debt-to-income ratio is analyzed to see if a loan can be paid back.