📊 Daily Term Structure
- Ultra-Short Terms: 1 to 7 day institutional lending cycles
- Daily Calculations: Interest computed on actual daily basis (365 days/year)
- Platform Fee: 0.25% of principal per day (e.g., 1.75% for 7 days)
- Transparent Pricing: Clear breakdown of borrower costs and lender returns
💷 Amount Tiers & Base Rates
- £1M: 4.50% p.a. (Base 4.00% + 50 bps premium)
- £5M: 4.40% p.a. (Base 4.00% + 40 bps premium)
- £10M: 4.30% p.a. (Base 4.00% + 30 bps premium)
- £50M: 4.20% p.a. (Base 4.00% + 20 bps premium)
- £100M: 4.10% p.a. (Base 4.00% + 10 bps premium)
💰 Borrower Costs
Interest Rate: Base Rate + Premium
Platform Fee: 0.25% × Days
Example: 7 days = 1.75% platform fee
Total Cost: Interest + Platform Fee
All fees calculated daily for maximum transparency
📈 Lender Returns
Interest Rate: Base Rate
Platform Fee: 0.25% × Days (deducted)
Example: 7 days = 1.75% deduction
Net Returns: Interest - Platform Fee
Guaranteed returns on institutional-grade loans
🏛️ Platform Revenue
From Borrower: 0.25% × Days
From Lender: 0.25% × Days
Total Fee: 0.50% × Days of principal
Example: 7 days = 3.50% total platform fee
Ensures platform sustainability and service quality
💵 Interest-Only Loans - Days 1-4 with Fee Breakdown
| Loan Amount |
Annual Rate |
1 Day | 2 Days | 3 Days | 4 Days | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Platform Fee: 0.25% | Platform Fee: 0.50% | Platform Fee: 0.75% | Platform Fee: 1.00% | ||||||||||||||||||
| Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
||
💵 Interest-Only Loans - Days 5-7 with Fee Breakdown
| Loan Amount |
Annual Rate |
5 Days | 6 Days | 7 Days | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Platform Fee: 1.25% | Platform Fee: 1.50% | Platform Fee: 1.75% | ||||||||||||||
| Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Interest |
Total Repay |
||
📈 Equal Daily Installments (EDI) - Days 1-4 with Fee Breakdown
| Loan Amount |
Annual Rate |
1 Day | 2 Days | 3 Days | 4 Days | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Platform Fee: 0.25% | Platform Fee: 0.50% | Platform Fee: 0.75% | Platform Fee: 1.00% | ||||||||||||||||||
| Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
||
📈 Equal Daily Installments (EDI) - Days 5-7 with Fee Breakdown
| Loan Amount |
Annual Rate |
5 Days | 6 Days | 7 Days | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Platform Fee: 1.25% | Platform Fee: 1.50% | Platform Fee: 1.75% | ||||||||||||||
| Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
Daily EDI |
Borrower Pay Interest |
Lender Get Interest |
Platform Fee |
Total Repay |
||