Objective Analysis of Business Update 14/10, page-8

They are very nimble, more nimble than some of their competitors that have some higher item exposures that are paid off over up to 12 months (FXL, Z1P) and certainly 100x more nimble than banks that are stuck with most of their loans, although their losses would be reduced since most loans are secured.

The fact that they have a very strong quantitative behavioral credit risk model that can make adjustments in real time and coupled with the fact that receivable turnover is 4 to 6 weeks makes this business incredibly adaptable.