1. Yes, we do the legal documentation so it is not a headache for you. Legal costs associated with non-payment are covered as part of this contract. 2. We have features like post dated checks and auto-debits from bank account to ensure borrowers pay on time, among other things. 3. We are not planning to become a bank, reason why banks have such a large spread is because they have huge operational expenses. We will always aim to be as lean as possible by automating processes.