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in ar·rears /əˈrirz/

Interest earned in one month is paid out during the following month.


Example : You transfer money to AlphaFlow on March 1st and Alphaflow receives the funds on March 4th. AlphaFlow has you fully invested in 75 loans on March 11th. You begin accruing daily interest on those loans on March 11th, and receive your March earnings on April 30th.
  • March 1st
    TRANSFER AUTHORIZATION

    You authorize a transfer of $10,000 to AlphaFlow.

  • March 4th
    RECEIVED FUNDS

    AlphaFlow receives your $10,000 and starts investing it into a few different loans.

  • March 11th – 31st
    ACCRUAL

    AlphaFlow invests your funds across 75 loans, and you are owed 21 days of interest.

  • April 1st
    BORROWERS DEBITED

    Lenders debit borrowers to collect for March’s interest.

  • April 10th – 20th
    LENDERS PAY ALPHAFLOW

    Lenders distribute earnings to AlphaFlow.

  • April 30th
    PAYDAY

    AlphaFlow distributes earnings to investors on the last day of the month: you receive your 21 days of interest from March, minus a 1% AUM fee.

Note: this is an example to illustrate typical earning cycles, and may change based upon each individual lender.
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