The loans are repaid monthly (following an upfront payment holiday, should this be applicable) directly to FundingKnight and each gross repayment apportioned to each Lender. Your repayment will be allocated to your Lender account and will constitute interest earned since the last payment and a capital repayment. Once these funds are in your Lender account, you are free to reinvest or withdraw them, as you wish. A loan will not normally be repaid in full until the end of the loan period, although borrowers do have the option to repay in full early if they wish.