“Because they didn't have any financial history. They just had incorporated a company, went to demo day, and raised a bunch of money. For banks, they don't know where that money comes from. If you don't have any history, it's really hard. Sometimes, they had to have a personal guarantee. Some people didn't want to personally guarantee it, and some people just couldn't because, like I said, they're like us, international. They didn't have a FICO score yet.”