What "Deferred Payment" Means
Deferred payment gives your business time before principal repayment starts.
1
You receive funding immediately
2
Principal repayment starts later
3
The deferred period is policy-based and determined per business
Deferred payment does not mean free financing. During the deferred period, usage costs set by the lender may still apply.
The Deferred (Amortization-Free) Period
Deferred payment gives your business time before principal repayment starts.
During the deferred period:
- No repayment of the loan principal
- No manual actions required from the customer
- The duration is determined upfront based on business cashflow signals
Key characteristics:
- Fixed at onboarding
- Cannot be extended or renegotiated later
- Designed to give businesses operational breathing room
The Repayment Phase (Predictable & Fixed)
After the deferred period ends:
1
Repayment starts automatically
2
The total loan amount is repaid over 24 fixed monthly installments
3
No renegotiation is required at this stage
Predictability
Clear cashflow planning
No surprises
Early repayment is handled directly by the lender, under their terms.
How PayLTR Supports Repayment (Without Holding Funds)
PayLTR does not lend money and does not collect repayments.
Instead, PayLTR:
1
Monitors business cashflow signals
2
Identifies early risk indicators
3
Shares insights with the lender
All actual payments are collected by the licensed lender.
Transparency & Responsibility
PayLTR is designed for responsible business financing:
1
No personal guarantees
2
No personal credit checks
3
No hidden mechanics
4
Clear separation of roles
Important Boundaries
PayLTR:
- Does not set interest or usage costs
- Does not renegotiate loan terms
- Does not hold or move customer funds
The Lender:
- Sets pricing and fees
- Executes collections
- Manages the loan under its license
PayLTR financing consists of two phases. Phase 1 is the payment break: you have up to 120 days before any repayment is required. During this period, a user fee is charged by Qeld, our licensed financing partner. Phase 2 is the repayment period: starting after day 120, you repay your financing in 24 equal monthly instalments at 0% interest. There are no penalties for early repayment — you can pay off your balance in full at any time, and no additional fees will be charged.