Thanks 🙏 Are there other term options? And I assume interest rates are higher for smaller amounts? Lastly can you choose a lower LTV?

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100k is the smallest amount. 2m largest. Interest rates are fixed by repayment method. Making montly interest payments gives you the 12%. Repay in full at end of term gives you 13%

You can choose a lower LTV ratio, by posting extra collateral lowers the margin call/liquidation price..

And no there is only the 12mo term being offered as I can see