First, we are distinct because we are a patient lender and we have no recourse to short-term assets. We fund projects on their merits and the merits of the company, not necessarily because of the entrepreneurs' personal assets.
Second, we often take on a higher share of the risk than a bank does, and we charge accordingly. Our repayment conditions for loans are more favourable. That means longer terms and more flexible repayment options. In addition, if a company gets into difficulty, we can allow entrepreneurs to defer the repayment of the capital so that the company can get back onto its feet.