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Get a cash advance on your vesting block rewards
SPs need funds to pay for expenses other than pledge collateral on the network, like gas and payroll. As a result, they need a way to move FIL out of the system.
To maximize withdrawing funds from the system, the SP should borrow 1/2 of their equity value.
Every time an SP earns a block reward, its equity value increases. Therefore, after making its weekly payment, an SP can borrow more. The SP is free to withdraw the borrowed funds, allowing them to get a cash advance on their block rewards.