This would tie up more of your funds, and although it will possibly attract more customers (research carried out in Malta indicates this), there is a risk that many of these will be less creditworthy, leading to higher bad debts.
Lokhu kwakuyoba abophe more izimali zakho, futhi nakuba kungenzeka ukuheha abathengi ngaphezulu (ucwaningo eyenziwa e Malta ibonisa ukuthi leli), kukhona ingozi ukuthi eziningi zalezi buzoba buncane creditworthy, okuholela ephakeme izikweletu.