...they would never be able to fund (tech) companies that operate principally outside the west because the problem you allude to has never really been solved sa

...they would never be able to fund (tech) companies that operate principally outside the west because the problem you allude to has never really been solved satisfactorily. That isn't really true. If I build a SAAS based in Singapore, or almost anywhere really, I pretty much expect that I'll get paid. You pay me, I switch on your service, and I switch it off if you stop paying. In contrast, loans involve giving away money and hoping it comes back. The potential for default is a lot higher. I don't have anything against agricultural financing - I think it's something the world should have. I just don't know how to solve it. If I did I'd be pursuing it, though probably not via YC.