These loans are provided for either intangible purchases which do not meet the criteria for a secured loan such as Chattel Mortgage, CHP or Leasing and for the purchase of assets where the lender does not accept the goods as suitable security. The purposes for this type of loan are vast and include but are not limited to: staff training and development courses; buying a commercial partner out of the organisation; cash flow shortages; capital injection for general growth and expansion; to cover the costs of marketing campaign; the purchase of stock which is not suitable to use as security for a secured loan; and other general commercial purposes.