Raoul, Author at On Deck Refinance

Dec92025 by RaoulNo Comments

Short-Term Loans: A Smart Option for Urgent Expenses

Finance

Overview: Short-term loans provide immediate financial relief for urgent expenses through quick approval processes. These unsecured loan options offer flexible repayment terms, minimal documentation, and instant disbursal, making them ideal for medical emergencies, travel needs, or unexpected bills requiring immediate attention. Why Short-Term Loans Are Gaining Popularity in India Life rarely gives advance notice when expenses hit hard. A sudden medical emergency, urgent home repair, or unexpected travel requirement can strain your monthly budget instantly. This is where a short-term loan becomes your financial lifesaver. Recent data shows that 27% of Indian borrowers used personal loans for travel expenses in 2025, highlighting the growing demand for quick financial solutions. Digit...

Dec12025 by RaoulNo Comments

Building an Future Proof ASX Investment Portfolio

Finance

If you’ve ever wondered how to build an ASX investment portfolio that can survive market swings, deliver steady income, and still grow over time, you’re not alone. Many new investors start by chasing hot stocks or small-cap ideas, but the real power of long-term wealth creation often begins with anchoring your portfolio to a few reliable, high-quality names. In Australia, three companies consistently dominate the conversation: Commonwealth Bank (CBA), BHP Group (BHP) and CSL Ltd (CSL). They belong to different sectors — banking, mining, and biotechnology — but together, they form a strong foundation for investors looking to build a resilient ASX investment portfolio with the right balance of stability, growth, and innovation. Below, we break down how each of these giants plays a uniq...

Nov232025 by RaoulNo Comments

Your Complete Guide to Navigating Tuition Fee Loans in Singapore

Finance

A tuition fee loan represents more than just a financial instrument; it embodies the promise of educational access and the faith we place in future generations. For thousands of Singaporean students each year, this government-backed scheme transforms the daunting prospect of university fees into a manageable pathway towards academic achievement. Understanding how this system works is not merely about grasping numbers and percentages; it is about recognising the architecture of opportunity that shapes our society. Understanding the Fundamentals of Education Financing In Singapore's educational landscape, the government tuition fee loan scheme stands as a cornerstone of financial support. Administered through major banks on behalf of the Ministry of Education, it ensures that financial...

Nov112025 by RaoulNo Comments

How Rising Rates Are Restructuring the Capital Stack

Featured

Rising interest rates don’t just nudge yields—they redraw the entire blueprint of how real estate deals get financed, governed, and de-risked. From senior debt terms to promote structures, the capital stack is being rebuilt to accommodate higher carry costs, tighter underwriting, and shifting risk appetites. Here’s how the pieces are moving—and what it means for sponsors and investors. 1) Senior Debt: Lower Leverage, Tighter Covenants, Pricier Carry Banks and life companies are protecting downside with lower loan-to-value ratios (think 50–60% where 65–70% was common), higher debt service coverage ratios, and enhanced reserves. Floating-rate debt now demands robust interest rate caps or swaps, with stricter requirements around DSCR triggers and cash sweeps. Lenders are also extending ...

Oct302025 by RaoulNo Comments

How do meme coin presales fit into the crypto revolution?

Finance

Meme coin presale evolution trends toward increased regulation, cross-chain functionality, gamified participation mechanics, and institutional recognition, transforming the category from pure speculation into a legitimate crypto sector. These developments reflect market maturation while maintaining meme culture playful irreverence. Tracking broader market movements through metrics correlated with solana sol current price metrics indicators shows how meme coins increasingly influence mainstream crypto adoption. Future trajectories reveal how today joke tokens might evolve into tomorrow’s important crypto infrastructure components is. Regulatory framework emergence Governments worldwide recognize meme coins as important market forces requiring regulatory oversight. Future presales wi...

Oct162025 by RaoulNo Comments

Is Car Finance Right for You? Decoding the Basics with “Car Finance Made Easy”

Finance

Car finance helps people buy cars with ease. It allows payment through small monthly sums. The buyer does not need full cash at once. It is an agreement between the lender and the buyer. The lender gives money to buy the car. The buyer repays over a fixed time. The car is often used while paying. Some plans give ownership at the end. Others let the buyer return or change the car. Car finance can make dreams possible. It can also lead to long debt. Understanding how it works is vital before choosing. How Car Type Influences Finance The car type affects payment terms. A new car often costs more. A used car usually costs less. Therefore the loan amount changes with the choice. Some cars lose value fast. Some cars keep value longer. This change affects interest and payment size. Lenders ...

Aug262025 by RaoulNo Comments

How to pass ACCA SBR first time – a tutor’s checklist

Business

Passing SBR is achievable. With clear habits, a simple routine, and exam focused practice, you can reach 50 plus and beyond. This guide sets out a practical checklist drawn from years of acca teaching and acca tutoring. It is written for busy candidates who want acca exam success without fluff. Use it to shape your acca sbr revision, choose the right sbr course, and approach each sitting with calm confidence. Start with the SBR mindset SBR rewards applied thinking. You will not win marks by copying chunks of standards. You will win marks by reading the scenario, deciding what matters, and explaining the effect on numbers and disclosures. Keep this mindset as you study and when you sit the exam. Think like an accountant who writes for a client Explain the impact on financial s...

Aug82025 by RaoulNo Comments

Budget Anchors: Understanding the Role of Fixed Expenses in Financial Stability

Business

Documenting your monthly spending is an excellent financial planning start. There are numerous pieces to a budget, yet certain prices are fixed. Call them "fixed expenses." Fixed expenses are the foundation of a financial framework but unlike variable costs that alter with lifestyle and spending. In this article you should know about fixed expenses. You should know: Rent and loan payments are fixed monthly. A fixed expense is one of them. What Are Fixed Costs? You pay the same amount each month for a fixed expense, regardless of usage. Subscriptions, insurance, loans, and house expenses are examples. These consistent pricing can be utilised to create a solid financial strategy. Contract or refill modifications can modify these statistics, but they seldom do from month t...

Aug52025 by RaoulNo Comments

Bitcoin Futures Trading: The Power of BTCC

Business

The digital revolution has brought forth a new era of financial innovation, and at the heart of this lies Bitcoin - a decentralized digital currency that has captured the imagination of investors worldwide. Imagine a platform where the power of Bitcoin meets the sophistication of futures trading. That's where BTCC Korea comes into play, offering a unique blend of virtual cryptocurrency exchange services with the advanced trading tools of contract leverage futures. Let's dive into the world of BTCC Korea and explore the dynamics of Bitcoin futures trading. BTCC Korea: The Gateway to Bitcoin Futures BTCC Korea is more than just a virtual cryptocurrency exchange; it's a gateway to the future of digital asset trading. With its user-friendly interface and robust security measures, BTCC Korea...

Jun192025 by RaoulNo Comments

Leading Without Borders: Sabeer Nelli’s Blueprint for Building Global Fintech Teams

Finance

While many companies struggle with the complexity of distributed work, Sabeer Nelli, founder and CEO of Zil Money, has turned it into a strength. From early on, Sabeer made a bold decision: don’t just hire globally—lead globally. With operations spanning the U.S., India, and beyond, Zil Money is powered by a borderless team working in sync across time zones, cultures, and disciplines. But this isn’t accidental success. It’s the product of a deliberate, evolving strategy—built on clarity, trust, and a shared commitment to solving real problems. This article explores how Sabeer built and manages global teams—not with rigid control, but with vision, autonomy, and alignment. Thinking Beyond the Office Walls For Sabeer, global team building wasn’t a reaction to COVID or a way to cut...