It really depends on the business and the sector it's in. They're all within the first year, right? That loan is coming within a year of the company's launch or within a year of the company having launched, so it's for any of those early needs. It really depends on whether it's a more main street business. If it's a restaurant, it's likely going toward lease payments. If it's a software company, it's likely going to payroll.
I should note also that some groups for cultural or other reasons are averse to loan financing, so we have introduced some smaller grant programs. For example, our thrivenorth program in northern B.C. is for northern rural and indigenous entrepreneurs. They have the option for the $15,000 loan. They also have the option for up to $1,500 in grant financing, which can make all the difference in a smaller community.