Offers and financing organizationsalso called S&Ls, thrift finance companies, discounts finance companies, otherwise offers organizationsrender a number of the exact same characteristics in order to users as industrial finance companies, including dumps, finance, mortgages, monitors, and you will debit cards. But not, S&Ls put a more powerful increased exposure of home-based mortgage loans, whereas commercial banks will specialize in handling large enterprises as well as on unsecured borrowing from the bank characteristics (eg credit cards).