Investors want to know the What, Where, When and How of an investment or loan. What is the investment and Where is it located? When do investors receive benefits, does it support debt and over What term. The What and Where you already know, but the When is based on your timetable. The most difficult of these to explain is the How. Spear Consultants will determine: How this investment or loan provides a return, service debt and can support itself.