Fully Customizable Loan Proposals
Alternaly empowers borrowers to design their ideal loan structure before submitting a funding request.
How It Works
Get funded in 4 simple steps — from application to disbursement.
Design Your Loan
Use our calculator to customize your loan structure, payment frequency, and terms.
Submit Request
Complete your application with required documents and collateral information.
Get Matched
Our platform connects you with lenders who fit your specific funding needs.
Receive Funds
Review terms, sign digitally, and receive your funds within 24-48 hours.
Loan Structure Options
Choose the loan type that best fits your needs and financial goals.
Amortized Loans
Traditional principal + interest payments that build equity over time.
- Custom amortization periods available
- Balloon payments at maturity if needed
Interest-Only Loans
Lower monthly payments, ideal for bridge financing or short-term needs.
- Full principal due at term end
- Maximize cash flow during the term
Custom Payment Loans
Set your own payment amount to match your cash flow.
- Full control over repayment strategy
- Flexible payment amounts
Flexible Payment Schedules
Customize your payment schedule to match your income and cash flow needs.
Payment Frequency
Choose weekly, bi-weekly, or monthly payments to align with your income schedule.
Custom Start Dates
Begin payments when it suits you — no rigid schedules.
Flexible Terms
Loan terms from 1 month to 50 years to fit any financing need.
Living Loan Agreements
Unlike traditional lenders, Alternaly supports loan modifications even after the contract is signed (subject to lender approval).
Advanced Payment Modifications
Life happens. Adjust your payments when circumstances change.
Skip Payments
Request to skip a payment when cash flow is tight. Subject to lender approval.
Move Payments
Postpone a payment to a later date with compound interest calculation.
Modify Amounts
Adjust individual payment amounts to match your current situation.
Extra Payments
Make additional payments anytime to pay down your balance faster.
Transparent Cost Disclosure
Know exactly what you're paying — no surprises, no hidden fees.
Full Transparency
Complete disclosure of APR (Credit Rate), total credit charges, and all fees upfront.
Real-Time Schedules
See exactly how each payment breaks down between principal, interest, and fees.
No Hidden Costs
All-inclusive interest rates from 8.5% to 18% with clear, upfront fee structures.
Ready to Design Your Perfect Loan?
Try our free calculator to explore different loan structures and see exactly what you'll pay.