Why we never charge interest
Every financing company reaches a moment where the spreadsheet says one thing and the founders say another. Ours came early: are we a studio that happens to finance, or a lender that happens to build?
We chose studio. Interest is a tax on someone else’s impatience — and worse, it quietly changes what gets built. When a founder knows every month of delay costs real money, they cut scope. They ship the version with the soul removed.
So our formula is embarrassingly simple: total project value divided by twelve. No points, no platform fees, no "risk adjustment". The calculator on our homepage is the actual math, not a marketing approximation.
The honest objection is: don’t you take on risk you can’t price? Yes — and that is precisely the product. We price risk in who we accept, not in what we charge the brave. The application and the NDA exist so we can say yes with conviction.
The side effect nobody predicted: because we hold no interest, our incentive is to launch you fast and keep you running, not to keep a balance outstanding. Aligned incentives are the cheapest feature we ship.