post-dated check for a fixed period).The business model was simple, offer customers a signature loan (no check or other collateral, simple interest – the interest accrues daily and does not compound). Compared to charging a flat-fee up front, this is a better product for the customer, and one that had previously been unavailable to anyone who is in need of a short-term loan. The signature loan product also allows us to give credit to those without a checking account. This has helped to attract more customers in recent times due to the changing banking environment.