Cathy Hunt, writing for The Australian Financial Review:
All those in the cultural economy experience some form of financial exclusion. As an artist, you are likely to have been supported by family or friends throughout your career and, if fortunate, to have had one small grant at some point. You’re luckier still if you’ve got through an interview at your local bank, let alone secured a loan appropriate and affordable to your circumstances. If you operate as a non-profit entity, because that is appropriate to your purpose, you will probably be unable to access a loan from a bank, let alone service one, given your limited assets and the short-term nature of any government grants you may have.