• Take reasonable calculated business risks, as long as the risk makes sense to them.
• Generally speaking, advance more on commercial assets than do banks.
• Impose fewer restrictions on managements than do banks (within reasonable boundaries), giving ownerships greater freedom in what they do with financing and in how they operate the company.
• Give ownerships and managements a far greater range of financing products, thereby providing ownerships with more tools for managing balance sheet debt of a growing company.
• Provide greater security from having their financing called early.
• Enable ownerships to have more than one financer, so that the failure of any one financer will not trigger a financing crisis.
• Enable company ownerships to take advantage of more of the opportunity that the market place offers. This makes it possible for ownerships to grow their companies more and faster than they could with bank financing.