However, these boat owners still have to come up with money to pay the monthly interest, which means they have to be able to at least sometimes go out to catch fish (or buy fish from other fishing boats at sea). In some cases, depending on the specific circumstances, Huang has allowed owners of deep-sea fishing boats to take their collateral out to sea.
然而，為了避免船主因沒有船隻無法捕魚（或出海買魚）賺錢繳息，黃一脩會視情況讓一些遠洋漁船船主把船再開回去，按月邊付利息邊捕魚。