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Eesti keelPricing and offers for founders
Each company is assigned a risk factor based on financial and business data.
This risk factor defines which loan plans (Standard, Plus, Advanced) are available. Depending on the risk level, a company may get access to 1, 2, or all 3 plans.
| Risk Factor | Low | Medium | High |
| Monthly repayment | 8% | 6% | 8% |
| Effective IRR For reference use | 15.9% | 18.4% | 22% |
| Flat fee For each 6 months | 6% | 7.25% | 8% |
Understanding Risk
Factor Scoring
To keep things safe and sustainable for everyone, we assess each brand's risk level — low, medium, or high.
We look at things like your sales, growth, existing debt, and payment history.
Scramble is focused on working with low-risk brands. Our team will give you tips on how to improve your score, and we review it every 3 months.
Loan repayments
Our investors rely on getting paid back every month — and that’s why repayments are key. If we don’t receive funds from you on time, investors don’t get paid. That’s critical.
So we’ve made it simple: monthly payments are automatically collected from your Scramble account at 10:00 AM (GMT+1) on the 5th of each month, starting the month after your loan is issued.
Regular repayment schedule
Right after the round ends, we charge a flat fee.
Then, for the next 5 months, you make monthly repayments based on your risk level.
In month 6, you repay the rest of the loan and the final part of the fee.
You can also repay early — no penalties, no extra charges.
Repayment schedule example
Loan amount
€10’000
Origination date
15.01.2025
Flat fee
6%
Monthly repayment
8%
Num
Date
Flat fee
Principal
Total
1.
15.01.2025
€172.5
—
€172.5
2.
01.02.2025
—
€800
€800
3.
01.03.2025
—
€800
€800
4.
01.04.2025
—
€800
€800
5.
01.05.2025
—
€800
€800
6.
01.06.2025
—
€800
€800
7.
01.07.2025
€427.5
€6'000
€6'427.5
Total:
€600
€10'000
€10'600
Loan agreements
Once you're set up, you accept our Financing Agreements — all digital and easy to access.
Everything is signed before the 1st of the month, and draft versions are available in your dashboard right after onboarding.
Ready to get started?
Click the button to submit your application!