1. Who is Yield?
   
   Yield is an embedded capital provider for small businesses. Through Yield’s partner, Enstack, you can take out a working capital loan and pay 30-90 days later in full or pay equally over 2-3 monthly installments.
   
   
2. How much credit can Yield offer my business?
   
   Yield offers credit lines starting at Php 10,000 and can go up to Php 5,000,000.
   
   
3. What is a credit line?
   
   A credit line is a preset amount of money that Yield agrees to let you borrow. You can use as much or as little of it as you need, up to the limit, and you only pay interest on what you use. It's like having flexible access to a loan whenever you need it.
   
   
4. How can I apply?
   
   Enstack will provide an online application form for you to fill out. Upon submitting your application, Yield will take 24-48 hours to pre-approve your business—Once approved, you can start availing of credit!
   
   
5. How do I use my credit line?
   
   You need to inform Enstack that you will be utilizing your credit line. From there, Enstack will send a Yield link to you. Once you receive the link, you will log into your Yield account, select loan terms, and confirm your order. Funds will enter your nominated bank account after 1 banking day.
   
   
6. How do I repay Yield?
   
   Yield currently accepts post-dated checks and online bank transfers. We will be messaging the payment details to you after you use your credit line. You may also repay Yield early and save on interest fees.
   
   
7. How much is the minimum and maximum loan amount?
   
   The minimum loan amount is P1,000. The maximum transaction amount is equal to your credit limit.
   
   
8. How much are the fees?
   
   The fees depend on our credit assessment, but it usually ranges between 24-36% annual percentage rate (APR) or about 2-3% per month.
   
   
9. What happens if I don’t pay Yield back on time?
   
   For each day you are late to pay, you may be charged a default interest rate equal to 1.5x your set interest rate. For example, if your interest is set at 30% annual percentage rate (APR), then your default interest will be set at 45%.
   
   If you go 30 days past due, then Yield charges an additional 3% on top of the overdue amount. Your credit line will also temporarily be suspended until you can repay the overdue loan balance.

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