"Why can't artists get regular bank-loans to fund their business?"<p>This is one of the fundamental questions that is most often overlooked!<p>Ok, so three long haired dudes working part-time jobs at coffee shops wander in to a bank and strike up a conversation with a loan manager...<p>...I think we can all fill in the blanks here. :)<p>The indicators that banks look to for giving out loans are quite different than the indicators an A&#38;R man is looking at.<p>Would a bank care about how many people you typically draw to a concert? Would they care about a good review on Brooklyn Vegan? Or how many shows you've played outside of your home town?<p>Music is a specialized industry requiring specialized methods of investment, much like Internet or biotechnology companies.