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About:
http://webisa.webdatacommons.org/244672563
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http://www.w3.org/1999/02/22-rdf-syntax-ns#type
http://www.w3.org/ns/prov#Entity
http://www.w3.org/ns/prov#value
Like you say many businesses especially small ones have no track record or collateral which is the market failure, the bank does not have enough information on them to make an accurate assessment.
http://www.w3.org/ns/prov#wasQuotedFrom
rlfans.com