The short answer is if your financials are good enough to qualify for a business loan without a personal guarantee, which means you have revenue high enough to

The short answer is if your financials are good enough to qualify for a business loan without a personal guarantee, which means you have revenue high enough to service the debt, then that's great. My guess is that Earnest is investing more money, at a much earlier stage, than when a business loan without a personal guarantee would be available.