The annualized return for lenders is calculated by consolidating all loans given and interest earned by lenders - after deducting MARLO’s fees or charges.

R - Annualized return

N - Total number of days since lending began

I - Accrued interest throughout the lending period

P - Outstanding principal at the end of the lending period

C - Cashflow through the lending period

The above inputs are gathered for the given lending period. We calculate the return for each lender – using the below formula.

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