They are opening up new ways of doing business.

WSJ: Mobile Industry Sees Shift in Innovation

"I'm ready to help in terms of money, opening new markets and starting new business with a Scottish Premier League club, " he said.

BBC: Angelo Massone would consider approach from Kilmarnock

There are 200, 000 apps in the Apple store, which is creating a new kind of business model for developers and opening somewhat the communications market.

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Common requirements include: purpose of the loan, history of the business, financial statements for three years (existing businesses), schedule of term debts (existing businesses), aging of accounts receivable and payable (existing businesses), projected opening-day balance sheet (new businesses), lease details, amount of investment in the business by the owner(s), projections of income, expenses and cash flow, signed personal financial statements and personal resume(s).

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