Affordability risk
Income or revenue can fall while payments continue. Build a buffer and test whether payments remain manageable if circumstances change.
Important information
Borrowing risks
Borrowing can support a goal, but it creates a repayment obligation. Consider both expected and adverse scenarios before entering an agreement.
Cost and rate risk
Fees and financing costs increase the total repaid. Variable pricing or refinancing can expose you to higher future costs.
Security and guarantee risk
Where collateral or a personal guarantee applies, missed obligations can put pledged assets or a guarantor's finances at risk.
Business and asset risk
Equipment may lose value, projects may run late, and expected returns may not materialize. Funding does not remove commercial risk.
Late-payment and fraud risk
Missed payments can lead to financial and credit consequences. Verify payment instructions and never share passwords or one-time security codes.
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