Ever since we began using the MarketLend platform it has been a goal of ours to reduce our cost of funding. We started off paying higher interest rates to get ourselves established and set about building a repayment history, which is completely unblemished, demonstrating that we are a secure investment. We believe our track record warrants a lower rate, more commensurate with other funding sources. It is also worth noting that the average individual investment in Speeedymoney on the ML platform is about $1500. Given most of our loan terms are for 6 months this means that each 1% decline in the interest rate represents a very small difference in return ($7.50) to the individual investor.