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An entity whose income exceeds its expenditure can lend or invest the excess income to assist that extra income produce extra revenue sooner or later. Although however, an entity whose revenue is less than its expenditure can elevate capital by borrowing or promoting fairness claims, reducing its bills, or rising its income. The lender can discover a borrowerâ€”a monetary intermediary corresponding to a financial institution â€”or purchase notes or bonds (corporate bonds, authorities bonds, or mutual bonds) within the bond market The lender receives interest, the borrower pays a better interest than the lender receives, and the monetary intermediary earns the difference for arranging the mortgage.