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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 May 15th and Alphaflow receives the funds on May 18th. AlphaFlow has you fully invested in 75 loans on May 25th. You begin accruing daily interest on those loans on May 25th, and receive your May earnings on June 30th.
  • May 15th
    TRANSFER AUTHORIZATION

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

  • May 18th
    RECEIVED FUNDS

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

  • May 25th – 31st
    ACCRUAL

    AlphaFlow invests your funds across 75 loans, and you are owed 7 days of interest.

  • June 1st
    BORROWERS DEBITED

    Lenders debit borrowers to collect for May’s interest.

  • June 10th – 20th
    LENDERS PAY ALPHAFLOW

    Lenders distribute earnings to AlphaFlow.

  • June 30th
    PAYDAY

    AlphaFlow distributes earnings to investors on the last day of the month: you receive your 7 days of interest from May, 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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