Heaps of companies use this - don't focus on the 14% rate as the cost is in the application fee which will be at the least 2% of the principal.
Just about bringing forward a debtor- helps with cashflow. Raise will be coming but not yet.
No red flags for me seeing them use this - quite prudent in terms of capita - interest & the application fee will ultimately be a deduction should we turn a buck.
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