Retail Capital double standards

Ikhokha as a business card transaction vehicle is decent. Their staff is pretty helpful. HOWEVER, it's their retail capital business financing arm that is a problem. Fair enough, they offer you good rates to begin with... But as you pay off your debt and are about half way through it, they offer you more loan money. If you take it, (this is where the problem starts) they take your old balance (on which they have already loaded interest and add it to the new amount you request and charge you interest on the two amounts. So the old balance is loaded with interest whilst you're still paying it off within the agreed repayment time frames. i.e. You borrow R10000, they add 20% interest, so your loan repayment total is R12000 over 6 months. After paying off R6000 and now you have R6000 balance, they offer you more money. Say they offer you R20000. If you take it, instead of charging you their 20% interest on the R20 000 you're now taking. They 1st add the R6000 old balance to the R20 000 to come up with R26000.... and they charge you interest on R26000. (even though the R6000 portion has already been loaded with interest. That doesn't seem fair because you're already paying interest on that 1st sum and the agrees time frames haven't passed. How can you claim to be a champion for small businesses if you are ripping them off this way! If it wasn't for this huge blemish, I would have rated Ikhokha at 5stars as their team is very helpful