in ar·rears /əˈrirz/

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


Example : You transfer money to AlphaFlow on May 24th and Alphaflow receives the funds on May 27th. AlphaFlow has you fully invested in 75 loans on June 3rd. You begin accruing daily interest on those loans on June 3rd, and receive your June earnings on July 31st.
  • May 24th
    TRANSFER AUTHORIZATION

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

  • May 27th
    RECEIVED FUNDS

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

  • June 3rd – 30th
    ACCRUAL

    AlphaFlow invests your funds across 75 loans, and you are owed 28 days of interest.

  • July 1st
    BORROWERS DEBITED

    Lenders debit borrowers to collect for June’s interest.

  • July 10th – 20th
    LENDERS PAY ALPHAFLOW

    Lenders distribute earnings to AlphaFlow.

  • July 31st
    PAYDAY

    AlphaFlow distributes earnings to investors on the last day of the month: you receive your 28 days of interest from June, minus a 1% AUM fee.

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