A More Predictable Way to Manage Your Earnings

At Afranga, we're constantly improving the way our platform works — not just with new features, but with meaningful refinements to existing ones. We've implemented new repayment logic to boost cash flow predictability for both investors and loan originators.

What's New?

Loan originators can now establish a fixed repayment day of the month. For example, Stikcredit might designate the 15th as its standard repayment date. As a result:

  • All new loans from that originator follow this calendar-aligned repayment day
  • Repayment scheduling no longer connects to individual loan closing dates
  • Each originator's loans maintain consistent monthly repayment dates

This replaces the previous system where repayment dates derived from loan closing dates, sometimes resulting in varying repayment days across similar loans.

What This Means for Investors

  • Consistent monthly repayment schedules for easier cash flow tracking
  • Enhanced predictability for long-term investment planning
  • No impact on existing loans — only new ones are affected
  • No changes for originators without defined repayment days

Interest rates, expected returns, and interest calculation methods remain unchanged. This update addresses structure and timing only.

First Interest Repayment

  • Initial interest payments occur at minimum one month after loan closing
  • The earliest qualifying predefined repayment day becomes the first repayment date
  • Interest covers the full period from closing to first repayment

Initial interest payments might span slightly beyond one month but accurately reflect the actual investment duration.

Maturity Alignment and Loan Term Length

Maturity dates now always fall on the originator's predefined repayment day. Total loan duration (from closing to maturity) may extend slightly longer than standard 12-, 24-, or 48-month terms. In rare instances, this might extend by nearly an additional month.

Example: A 48-month loan closed January 16, 2026, with a 15th repayment day matures on February 15, 2030 — technically under 49 months total.

This doesn't modify interest calculations — it ensures repayment and maturity dates align with predictable monthly schedules.

Why We Made This Change

As the marketplace expands, standardizing repayment schedules creates greater transparency and investor convenience. Fixed repayment days reduce fragmentation, simplify reporting, and make portfolio cash flows more predictable — without introducing additional risk or complexity.