Just not there to help you - leaches on your cashflow.

This is less of a review and more like a public service announcement. These guys are not there to help small businesses; they are loan sharks who keep you having to draw down from their facilities as you cannot afford the effective 108% interest rate (and yes this is legal - due to them lending to businesses and not individuals). Its impossible to pay back on their terms, so you keep borrowing to fund the repayments as it decimates your CASH FLOW and cash flow is the usual reason that businesses borrow money. There are so many better options in this space. This one is the WORST. I am free on them now and it feels like I took a noose off my neck.