Maybe competition when banks eventually agree to give out loans instead of just open accounts like they've agreed to now.
Ever been a grower? It sounds like you're very knowledgable so give us the grower perspective of using a bank loan vs using a Growlife equipment program.
Sort of a trick question because I already know the perspective.
I bet that when banks finally do allow loans that it will force the GIFT program to become more competitive in rates. I'm sure as it stands now that the GIFT program demands a decent payback.
However you're still getting all of the equipment upfront which means less parties involved in the transaction. Then you pay back the $ for equipment post harvest and it all eventually becomes yours with no strings attached.