The borrower pays for the instant returns from the funds drawn down when the loan closes. These fees are also due should a loan not fill or not draw down, however, although a borrower is obliged to pay Instant Returns in the event of a loan not filling it is possible that a borrower would not pay these fees due. The figures involved may be small and may make legal action against the borrower commercially non-viable. Please do not invest in a loan on the basis that a loan may not fill and you will be assured of Instant Returns. The vast majority of loans that make it to the platform fill, so we do not have enough data to assure lenders that ALL potential borrowers would honor this commitment.