Hi wehadfun, that is a valid question. There are a few reasons we facilitate loans instead of gifts:

1. Loans once repaid can be lent out repeatedly, thereby helping many more people.

2. Repaying a loan at a reasonable interest rate puts lender and entrepreneur on a more equal footing, and is therefore more dignified for both.

3. Loans encourage a proactive and independent mentality on the part of the entrepreneur, rewarding success rather than neediness.