Rates and costs
What financing costs, explained before you apply
We publish representative ranges and explain exactly how an offer is built. Your final rate and repayment terms are confirmed in writing after review — never guessed at here.
Representative ranges
The ranges behind our estimates
These are illustrative ranges used by our payment estimator. They are not an offer, and your own terms may fall outside them once your file is reviewed.
Business Financing
6.99% – 16.99%
Representative APR range
- Requests up to
- $200,000
- Repayment periods
- 6–48 months
- Target processing
- 5–10 working days
Personal Loan
7.99% – 18.99%
Representative APR range
- Requests up to
- $50,000
- Repayment periods
- 12–60 months
- Target processing
- 3–5 working days
This calculator is for illustration only. Estimated payments use a representative APR range and assume equal monthly payments with no fees. Your actual amount, rate, and term are confirmed in writing after review of your completed application and documents.
Estimate your payment
Try the numbers before you apply
Move the amount and repayment period to see an estimated monthly payment, total interest and total repaid.
Estimate your payment
Move the slider to see what a request could look like each month. Estimates only — your final terms are confirmed in writing.
Repayment period
Estimated monthly payment
$2,238 – $2,472
over 24 months at 6.99%–16.99% APR (representative)
- Estimated total interest
- $3,722 – $9,325
- Estimated total repaid
- $53,722 – $59,325
This calculator is for illustration only. Estimated payments use a representative APR range and assume equal monthly payments with no fees. Your actual amount, rate, and term are confirmed in writing after review of your completed application and documents.
How an offer is built
What affects the terms you are offered
Nothing about your offer is arbitrary. These are the factors weighed during review.
Amount and repayment period
A larger request or a longer repayment period changes both the monthly payment and the total cost of the financing.
Financial profile
For businesses: operating history, revenue consistency and existing obligations. For individuals: income stability and current commitments.
Quality of documentation
Complete, legible, current documents shorten review and remove the uncertainty that pushes an offer toward the higher end of a range.
Purpose of funds
What the money is for is part of the review. A clearly explained purpose supports a stronger offer.
Our commitments
What we will never do
No advance fees
We do not charge an application fee, a processing fee, or any payment before funding. Anyone asking you to send money to release a loan is not us — report it to our team immediately.
Terms in writing before you commit
Your amount, rate, repayment period, payment schedule and any applicable fees are set out in writing. You review them before accepting anything.
No prepayment penalty surprises
Anything that affects what you pay — including early-repayment treatment — is stated in your written terms rather than buried.
One point of contact on cost questions
Your loan manager explains every number in your offer before you sign, in plain language.
See what your request could look like
Start with the eligibility check, then your loan manager confirms real terms in writing.