"I'm sick of saying it," Gartside said. "I've said it to you, I've said it to the fans; This is an amount of money that somebody has lent to us, who is a benefactor. This is not bank debt. "If some other foreign owner does that sort of thing it never gets a mention. Because it's Eddie Davies and because it's Bolton Wanderers it gets called debt. Under fresh terms that were agreed upon last year, Davies will charge 0% interest on all debt owed directly to him. Any decision to call in the debt must be done with notice of 10 years. Gartside admits Wanderers would be unable to raise such funds from a bank, but says the assets owned by Davies would allow him to recoup his money either by selling them off or by refinancing."This is an individual who's put money into a club, that's his club. When you look around the place, we've got a ground, a training ground, an academy, a hotel, property, we own all the surrounding land around it and we've got development land. "We own that. We've got no debt on that land at all. These are Eddie's assets. We're sat in a stadium that we built 15 years ago that we don't have any borrowings against. We have a hotel next door that we don't. You've got to remember that these are substantial assets."