Niko on Nostr: Question leonwankum - When you hypothetically lend say $100k to a business / ...

Question leonwankum (npub1v5k…8rd9) - When you hypothetically lend say $100k to a business / developer and require 10% be allocated to Bitcoin for default protection, who gets the Bitcoin (at the appreciated value) at the end of the term loan assuming there’s no default? The lender, or the borrower? I could see a situation where the Bitcoin is almost 30-50% of the value of the loan in a few years. Appreciate your insights here.