Rates & Fees: Method First, Numbers Later
We do not publish a one-size-fits-all rate table — pricing comes from a comprehensive assessment of each seller's real operations. This page explains our methodology, fee structure, and disclosure process. Your exact rate and fees are presented in full after approval and before any drawdown.
Pricing Principles
Risk-Based, Not One-Size-Fits-All
Rates are set from a comprehensive assessment of operating data and transaction flow — the steadier the business, the better the terms.
Operating data
An overall assessment of business credentials, operating history, and condition
Transaction flow
Real payout records cross-verified with operating behavior — a dual-evidence read on the scale and stability of your flow
Track record
Your borrowing and repayment history; a good record helps improve pricing
Product factors
The product line, limit, and term determine which accrual basis applies
How Interest Accrues
Pay Only for the Time You Use
Each product line accrues on its own cadence, made clear before you draw.
FundPath · daily accrual
Borrow and repay anytime; interest accrues by the days actually borrowed, and unused limit stays free
Payout Advance · payout-aligned
Loan terms align with platform payout cycles, debited automatically at maturity; flexible revenue-based repayment follows the specific product and agreement
Merchant Finance · scheduled repayment
Medium- and long-term credit repaid on agreed schedules, with options that match your cash flow
Fee Structure
A Simple, Visible Fee Structure
Interest is the primary cost, and every term is visible before you sign.
Interest charges
Calculated on the amount and duration actually drawn — you only pay for what you use
No upfront fees
No fees at the application, underwriting, or activation stages
Stated in the agreement
Any other fees exist only if stated in the contract, item by item, reviewable before signing
Repayment Mechanics
How Repayment Works, Mechanics First
Authorized debit, trusted payment, and flexible repayment explained here; exact arrangements follow the specific product and agreement.
Authorized auto-debit
Amounts due are debited automatically under your authorization — no manual action required; the debit arrangement follows the product and agreement
Trusted payment
Loan funds are paid to the counterparty for agreed purposes — earmarked, with a traceable flow
Flexible revenue-based repayment
Beyond automatic debit at maturity, some products support flexible repayment such as revenue sharing, as the specific product and agreement provide
Approval & Disclosure
Four Steps — Read Before You Sign
Every limit, rate, and fee is disclosed in full before drawdown.
- 01
Apply & authorize
Submit your application online and authorize your operating and transaction data
- 02
Assessment
Risk assessment combining business credentials and flow performance
- 03
Disclosure
Limit, rate, term, and repayment plan presented in full before drawdown
- 04
Sign & draw
Confirm the agreement and draw — the signed agreement governs everything
Service Model
Platform Services + Licensed Lending
NineReach and licensed institutions work together with a clear division of responsibilities.
Platform side
NineReach provides product information, application pre-screening, and data support
Licensed lenders
Credit funds and lending services are provided by licensed partner institutions
Named counterparties
The lending entity and partner institutions are clearly identified in the application flow and agreement
FAQ
About Rates & Fees
The three questions we hear most.
Why doesn't the site publish a standard rate?
Does applying cost anything?
Where can I see my rate and fees?
Keep Reading
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Beyond pricing, more information that matters to trust.