1. We review your last 6/12 months of income and set the % based on that. If we expect seasonality we apply an additional % (Buffer%) to ensure that the facility is repaid on time. A buffer % may also be applied if the case is deemed higher risk. 
 
 2. The funding advance is designed to be flexible so at different times of the year the funding may be behind target and at other times it may be ahead but we are okay with that as we set the overall % to ensure the facility is repaid on time.