The lender can find a borrower, a financial intermediary such as a bank, or buy notes or bonds in the bond market
A bank aggregates the activities of many borrowers and lenders. A bank accepts deposits http://www.integrityfm.com/ from lenders, on which it pays the interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders, of different sizes, to coordinate their activity. Banks are thus compensators of money flows in space.