The vast majority of BTB borrowers are business owners with business activities of at least two years, who are interested in a high-amount loan (100,000 ILS and up to 1,000,000 ILS) for medium periods of 4-6 years. Our borrowers are normative borrowers, with reimbursement capacity, who wish to diversify or expand their credit for growth purposes. As a rule, the interest which the borrowers pay is fixed annual interest, in accordance with the Spitzer board, which is determined in accordance with various features such as size, seniority, quality of the borrowers/guarantors, normative conduct and many additional parameters.