I'm assuming the difference is in the interest rate of the loan. Banks take a risk in loaning the money, if they charge 10% (as an example, i have no idea of the going rate for therse things), thats £20m a year in interest payments. If DIC take a different risk perspective and charge say 5% that's a gain of £10m a year in interest payments. I think we're undervalued as things are. ManU are valued at around £800m, we're valued at less than £200m. From a business point of view, we have similar business models and we should be able to generate a similar income. With a bigger stadium and an expansion of marketing activities it' doesn't seem unrealistic to believe the club value could double in 5-8 years.