Micro loans
Flexible financing for creators to scale their projects using MESI as collateral.
Mesi provides a simplified lending framework designed specifically for creators. This program allows you to unlock liquidity for production costs, equipment, or marketing without selling your underlying $MESI holdings.
Application Requirements
To maintain a sustainable lending pool, Mesi operates on a monthly budget cycle. Once the monthly allocation is exhausted, further applications are closed until the following month.
Priority: Applications are processed on a first-come, first-served basis.
Tier Constraints: Your maximum borrowing limit is tied directly to your Account Tier.
Collateral (LTV): You must provide a minimum of 300% collateral in $MESI tokens relative to the loan value.
The Review Process
When you submit a request, Mesi's risk engine evaluates several factors beyond just collateral to ensure ecosystem stability.
Loan Terms
Creators can customize their terms within the following ranges:
Duration: 2 to 12 months.
Interest: Rates scale based on the duration (longer terms = higher interest).
Approval Boost: Providing collateral above the 300% minimum significantly increases the probability of instant approval.
Evaluation Criteria
Verification of gallery engagement, content consistency, and account history. Assessment of past earnings and the viability of the proposed repayment plan. A clear description of how the loan will be used to grow the creator's presence. The total value and stability of the **\$MESI** tokens offered as security.
Application Outcomes
After review, your application will receive one of three statuses:
Approval: The loan is issued immediately to your wallet.
Conditional Approval: Pre-approved, provided you increase collateral or shorten the repayment period.
Rejection: The application is denied due to budget exhaustion or risk factors.
Repayment & Liquidation
Mesi offers flexible repayment tools to help creators maintain their standing and protect their collateral.
Repayment Methods
Manual Repayment: Use the platform's debt management tool to pay in installments.
Auto-Pay: Redirect a fixed percentage of your daily earnings and rewards directly toward the loan balance.
Liquidation Risks
To protect the lending pool, $MESI collateral may be partially or fully liquidated if:
Health Factor: The collateral value drops below 200% of the loan amount.
Delinquency: The loan is not paid back within the agreed timeframe.
Tier Loss: You lose the required Account Tier during the loan term.
Compliance Violation: Account suspension, copyright infringement, or prolonged inactivity.
**Note on Volatility:** Because **\$MESI** is a market-traded asset, its value can fluctuate. Always monitor your collateral ratio to avoid automatic liquidation during market downturns. 
**Borrowing Strategy:** Start with a small loan and a high collateral ratio (400%+) to build your "Trust Score." This will make future, larger loan approvals significantly faster.
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