192 MODERN FRUIT MARKETING 
accurate and clear understanding to the grower of how 
the business is run. 
Loaning Money.—Still another means whereby an 
exchange frequently helps the members is through a 
loan department. This is purely a financial department 
where money is loaned to certain growers and is done on 
a strictly business basis. The one borrowing the money 
has, of course, to pay interest for its use. Very fre- 
quently it is difficult for a grower to get money from the 
bank or, in the newer sections, it is difficult to furnish 
security for a loan. In this way the exchange gives a 
very material aid to its members. In the Western states 
where large tracts of land are subdivided and sold upon 
a credit basis, payments to be made upon the install- 
ment plan, produces a rapid development of the country 
and often stretches the credit to the limit. 
Where a grower is in need of money he writes to the 
manager of the exchange stating the facts of the case 
and then, either through the central office or through the 
local office, a committee is sent out to view the situation. 
If they deem that the conditions are fit to warrant a 
loan upon property it is recommended to the management 
of the exchange and the money is then forwarded. If 
not, they of course are under the necessity of refusing 
to make the loan. Often, through the special service 
bureau, members are able to make better bargains with 
real estate companies and to work out their own private 
problems to a much better advantage. 
Subdepartments in Management.—For the conveni- 
ence of handling the business, the large exchanges or- 
ganize their managing force into subdepartments just the 
same as any large manufacturing business would do. 
