Patels don't get any interest free loans. No such thing as interest free loans. Bankers always take their pound of flesh. Having traveled all over the country as an engineer for decades and staying in hundreds of hotels/motels, I've gotten to know a number of these Indian owners.  The vast majority got their motels by working their asses off (multiple jobs), pooling their money with family members and by refusing to spend money on anything except their children's educations. They are frugal beyond all definitions of the word. So in one sense, they are model immigrants. They come here to work and prosper and NEVER leech off the system. They consider things like UBI and welfare to be beneath them - shameful to their social status. Korean shop owners are similar. But on the other hand - Patels are CHEAP (did I mention that?) so their motels can often be on the shoddy side and bare bones. The only saving grace to their cheapness is that they WILL be charitable and kind to strangers, unlike Jews who are ALWAYS looking to get something in return. Or Koreans/Chinese who are strictly business and lack empathy/kindness.