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I hope that makes sense? A bank also requires you to put up your house or business equipment or any other asset that you may own as a collateral against the loan. We don’t do that! Now, obviously, you must be wondering, what’s the catch? This sounds too good to be true right. I’ll tell you.. The rates that we have are slightly higher than a bank’s interest rates, but we’d still come well below your profit margins. Get it? Well buddy, the rates that we have depend on a bunch of factors.