The best replacement for bank financing is dealer financing.

The best alternatives to bank financing are rated as following:
★★★★★  dealer financing
★  bond financing
★  in-house financing
★  in house financing
  other forms of financing
  owner financing
  in house
  venture capital
  pag-ibig financing
  inhouse financing

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Google Trends

Scale is based on the average worldwide traffic of bank financing in all years. Click on graph for more.
bank financing
dealer financing
bond financing