Reload
a) Banks might be unenthusiastic to lend money to reload (Stock Up) for various reasons, including:
Reload being a somewhat unfamiliar business outside of New Zealand stronger rivals and Larger (such as Delifrance and Subway) might pose serious problems for the survival of Reload Eventually, there is more risk involved for banks that choose to deal with comparatively new and un-established organisations such as Reload.
Award one mark for each relevant factor that is acknowledged in the context of Reload