Credit scores have long been used as a barometer of the creditworthiness of an entrepreneur, but so often the credit score is the result of an incident. It could be a breakdown in a relationship or a period of poor health or something like that. While we look at the credit score, it's not the final arbiter of a lending decision for us. Our decision is around what is affecting the credit score, why it is low and what they are doing to repair it. We don't use the credit score as the number one barrier. It's not something we use to cull the list, so to speak.
We also do loans without security. Like with credit scores, women often don't have the security to put behind a business loan. They may be in a business that's service-based, so they don't have equipment or a building they can use as security.
Those are two key things we're doing differently in how we're looking at lending to women.