I find the way these programs are presented (Square has a similar offer) to be opaque to the point of dishonesty. How am I able to compare this &quot;interest free&quot; loan with a small business line of credit from the bank?<p>They offer a chart of what repayment looks like, but no &quot;total interest paid&quot; descriptions. I can&#x27;t help but worry that the way these are designed is more about skirting regulations and confusing borrowers than they are about offering people something genuinely useful.<p>Reminds me a little of cheque cashing shops... Find a group who aren&#x27;t able to access mainstream financial services (in this case small online sellers) and charge them excessive rates for your &quot;generous&quot; offer.