PIDC-RDC will provide capital in the form of equity and debt to qualified businesses and to real estate projects in disadvantaged areas throughout the City of Philadelphia. These investments are intended to physically reintegrate underutilized assets and disenfranchised groups back into the City’s economy. NMTC benefits will primarily be used to reduce borrowers" overall cost of capital through a reduction in interest rates. Other features will include: debt with equity features, subordinated-debt, extended interest-only periods, higher loan-to-value ratios, longer amortizations, more flexible credit standards, non-traditional collateral requirements, lower debt service coverage ratios and loan loss reserve waivers.