Now is the time to reinvent consumer finance with the same spirit of creativity. We should learn to do for hunting individuals in the Entrepreneurial Age what Henry Goldman did for retailers a century ago: provide them with access to capital not based on what they own (the old paradigm of homeownership for settlers), but on what they might earn in

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Optimally constructed, the progression often looks something like initial venture equity for R&D and product development, followed by targeted asset-based debt that serves as a wedge to unlock project-level financing once the core technology demonstrates commercial viability