Oh, okay, so now making a profit from lending money is now a sin, didn't know that. I assume you lend money at no profit? In some places that would be called creating income so as to pay one's bills and costs of living. Be assured, if I ever lend you money, unsecured it will not be at prime plus 2 as Ms. Whelan did, it will be at prime plus 25%, interest to be paid quarterly, in advance plus a 10% equity interest in your company with anti-dilution protection for the term f the loan plus 3 years, if at all. If the terms are not acceptable, don't borrow. Banks simply say no thank you. These kinds of loans are made thousands of times a day, every day of the year!