Harold Betruger
Harold clasps his hands behind his back.
"Ah, now there we touch on the realm of finance. Yes, it's true that banks often can make loans of comparable sums. However, these loans are made to, say, merchant consortiums, or noble families. People who are established and have obvious collateral. We have no such collateral. We might be able to take out something of a loan, but without them having a much-inflated impression of our importance, well..." he shrugs.