Governments, corporations, and foundations allocate billions every year to businesses they can never find enough of. The application portal sits open. The deadline passes. The money returns unspent to the fund. This happens every single cycle. When most people need money for a business, they think in one direction: loans. A bank, a credit line, a friend with belief and capital to spare. Loans are fine. Loans are also expensive — interest, collateral, creditworthiness you may not yet have buil...