Experience in managing various regulated financial institutions led to the realization that they are typically too inflexible to provide the quick response and structuring flexibility needed in lot development. The group recognized a niche in the development finance market that has allowed First Continental to capitalize on a specific type of loan that does not directly compete with regulated lending institutions. Understanding that the development business is very capital intensive, management understands the risk/reward relationship between requiring equity without a repayment or collection guaranty.