We consider each applicantâs cash flow, payment history and financial strength to determine a risk-adjusted repayment plan thatâs tailored to that applicant.
Payments are determined by factors such as the amount and consistency of the businessâs cash flow, the number of years the business has been in operation, the assets owned by the business, and the proposed use of funds. We also charge an establishment fee on the loan, which is agreed upon upfront.
Unlike other lenders, we wonât penalise you for settling your loan early, if thatâs what you choose to do. Instead, weâll reward you for paying it off early, by giving you a discount.