When we established our fund and were creating the processes and procedures, we wanted to make them as flexible as possible, keeping in mind that there is a need to have some due diligence in the process. There has to be a viable and feasible business idea behind it. At the same time, as I mentioned earlier, we don't require security on a loan. We have also loaned to clients who do not have a credit score because they are newcomers or because they have different backgrounds that have prevented them from building a credit score.
We really look to examine each on a case-by-case basis. That's really what the difference is in our work. One size doesn't fit all, and we have to look at the nuances of each client and business.