Also, in contrast to the tiny clips on the Scribe receiver, the large clipboard-style clip on the ZPen is capable of gripping onto whole pads of paper and affixing it to a new piece of sheet starts a new page in the virtual pad, another thoughtful touch.
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).
The idea is that the cloud revolution feeds IBM's existing hardware, software and consulting businesses, with little need for a new line on the balance sheet.