Virgin money is not technically a loan provider. They facilitate person to person lending by formalizing payment plans and loan terms but do not lend money themselves.
Yes. They can sell their reserves, which are really just deposits by banks at the Federal Reserve, to other banks or simply withdraw them from the Fed, replacing them with cash, and make loans with...
Loan means credit when you loan to somebody giving that somebody credit. You are the loaner and the person given credit is the Lonee. Loaner is the lender and the Lonee is the borrower.