Pricing & fees
One indicative rate for the group, adjusted by a handful of clear factors. Every fee is listed below.
Forming
Free
Everything you need to build a group and pass verification.
- Create or join a group
- Document upload & verification
- Indicative rate calculator
- Group repayment dashboard
- Dedicated success manager
Funded
Rate + fees
Active facilities. Pricing is set at underwriting and fully disclosed.
- Everything in Forming
- Group repayment dashboard
- Per-member breakdown & statements
- Early repayment, no penalty
- Priority document review
Portfolio
Custom
Associations and networks bringing multiple groups.
- Everything in Funded
- Multi-group administration
- Consolidated reporting
- Dedicated success manager
- Custom onboarding for members
How your rate is set
What moves the indicative rate
Underwriting starts from a base rate and adjusts for these factors. You always see the final number before accepting.
| Factor | Effect on rate | Detail |
|---|---|---|
| Group size | Lower | Each verified member beyond four reduces the indicative rate slightly. |
| Average verification score | Lower | Fully verified groups with strong scores get the largest discount. |
| Requested term | Higher | Terms beyond 24 months carry a small premium for duration risk. |
| Sector risk | Varies | Sector loss history is factored in from published benchmarks. |
| Repayment history | Lower | Groups returning for a second facility with clean history are repriced down. |
Fees
Every fee, in one place
Deducted at disbursement. Disclosed in the offer and folded into your APR.
Rates and fees shown are illustrative and not an offer of credit. Your APR combines the interest rate with the origination fee and is disclosed in your financing offer.