First, let me say I appreciate the reply. I have not had much of any feedback and I appreciate your time in giving me some understanding of the mentality and approach given here. I had thought a one year payback was pretty short, but I can see how that would be seen as otherwise here.

I am curious on what type of digital collateral you refer to though. What is one offers for digital collateral? Websites? Businesses? I can understand in being harder to collect on physical.

Thank you for your answers in this.