[shambolic]

> If you can guarantee a rate of return, getting money from any bank sounds easy.

Sadly this isn't true. Banks lend you money if you have collateral.

> And if take rate is 60%, then those that take the offer have to pay 100%/60%=166% of what they would have payed with a 100% take rate.

That only works if the customers are willing to pay 166%. The shit really hits the fan if you get the take rate wrong and your costs exceed what your customers have agreed to pay.