Thanks, Katie! The Director of ProsperUS Detroit is rather clever.
With Incu.Cater, we hope that the idea of bootstrapping/leveraging would be one that they could accommodate with the right number of clients. We're adding the precaution of the credit allowance as a means to be able to meet demand. In our experience, larger orders require upfront costs that we want to accommodate for in planning. The use of credit would not be a requirement.
The folks participating in Incu.Cater would have already completed our entrepreneur training program (that doesn't include any sort of stipend). That means, the participants in Incu.Cater are doing this as a business owner. The support we're offering is in addition to their regular entrepreneurship goals.