Absolutely, I do agree. I've seen it myself, because I have worked in the lending business in the past. I've seen where you go to a bank and they can't take security on the first nation. That increases their risk on lending, so they're not going to lend to the organization.
That's why indigenous financial institutions have become an important part of the financing structure within many first nations communities, but it's not only first nations. Off-reserve businesses also have their own challenges, but they pertain less to the Indian Act.