I've been reading about alternatives, and some suggest a flat rate (not compound), while others propose taking a percentage of the business. 

However, a fundamental issue with loans is that you can legally 9X your money overnight by leveraging another loan against an asset you just acquired. Despite this, resources are still limited. 

When you align this economic model with real-world resources, it doesn't seem to make a lot of sense. 

However, I'm open to exploring new ideas. I'm really trying to learn.