Perry: Worker-owned businesses require workers to spend time on management decision-making and investment strategy, tasks that are not directly productive  Also, such businesses have less extensive divisions of labor than do investor-owned businesses  Such inefficiencies can lead to low profitability, and thus increase the risk for lenders
Ttherefore, lenders seeking to reduce their risk should not make loans to worker-owned businesses
Worker-owned businesses have traditionally obtained loans from cooperative lending institutions established by coalitions of worker-owned businesses.