Bio-tech companies risk not making it through the FDA approval process. Many dotcoms use unprecedented business models, which risk not being feasible given customer behavior. Years ago, Microsoft risked standardizing its office suite on Windows 3.1 before the market had accepted Windows. Your business plan should outline the risks you're taking and the return you believe you can promise. You can compete on the payback schedule.
Investors can put their money in a bank account and get interest paid monthly.
By investing in a U.S. Savings Bond, they can get interest several years later when the bond matures. If an investor writes a loan, he or she often receives monthly interest plus a little bit of principal repaid at the same time. Investors needing ongoing income may prefer investments that generate monthly income over those that pay out at the end of several years. Such investors may be willing to accept lower interest rates in return for the favorable payback schedule. Finally, you can compete on the kind of investment.