For example, banks typically operate inefficiently. They can have very high overhead costs when it comes to conducting due diligence and onboarding with a project. If a project does not reach a certain size (e.g. >$100mn), it simply does not make sense for a bank to engage. As a result, there are projects that are equally good in terms of specs such as existence of collateral, LTV, DSCR, loan term but just they do not get access to bank financing as they are too small.