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Weve spent a lot of money upping our operational staff, which has doubled in 18 months, to support the franchise network. You also want to lend relative to the value of the asset, so weve also got sophisticated IT that shows a franchisee what price to pitch for products, as we sell thousands of items across the network weekly. Similarly, with unsecured micro-lending, our IT platform uses affordability assessments to determine how much an individual can afford to borrow.
If you dont provide the platform with the right information, you wont make the loan. Australia ran this product for seven years before we launched it here, so it works incredibly well and personal loan agreement form ontario only have a bad debt ratio of 6. The whole model is incredibly profitable.
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