Is it a loan shark? These financiers are a dime a dozen, plenty...

Is it a loan shark? These financiers are a dime a dozen, plenty of them listed on the ASX. So let's get this straight, they take deposits from customers and use that money to lend to SME's and others? Cash rates on average 6.5%??? No wonder customers are piling in at these utopian cash rates being promised. RBNZ cash rates are 1.75% are they not?

Something doesn't add up here

I need to see the PAC Partners report to see what they say