The XCapital Fund's focus on ethical private lending is driven by the principle that providing borrowers with opportunities to rehabilitate their credit profiles is crucial. By offering loans ethically, the fund aims to empower borrowers to improve their financial situations and rebuild their creditworthiness. This approach not only benefits individual borrowers but also contributes to the overall health of the financial system by fostering responsible lending practices. By prioritizing ethical lending, the XCapital Fund seeks to create positive social impact while also generating financial returns.