Borrowers come in all shapes and sizes. Some lenders prefer to make loans to real estate investors, others prefer to lend to developers, and others prefer to lend to commercial building owners. In times like these they’re all short on capital and looking for lenders that are willing to extend credit. Since money is in short supply, they’re willing to pay a little bit more in order to obtain credit because they often have valuable projects that require capital for a variety of reasons.