Áine Collins (Cork North West, Fine Gael)
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I welcome Mr. O'Mahony and Mr. Rafferty. I particularly welcome those who have received funds who are taking time out from their businesses to be with us today and share their stories.

I have a few questions for Mr. O'Mahony. I met him previously and I am familiar with LinkedFinance. He stated it is difficult to get people to borrow money. Is there a particular issue with borrowing as a loan or borrowing as equity? How does LinkedFinance manage the equity, if it is putting in an equity stake? How does all of that work? Is there a considerable amount of administration involved? How does it operate?