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(CHALLENGE) Support needed to simplify offering to investors

Target is to simplify the approach of explaining the return program to the investor.
They get 6% upfront and then 6% on the balance of the interest earned.
It seems complicated.

I was thinking of looking at comparing NPV or IRR, and seeing how to perhaps offering them a X% per month for year 1, and then others from month 13 and onwards.

Open to suggestions.NPV IRR.xlsx


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They are loaning you  $X over ?? months with 6% interest?