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# How are the interest rates for the projects listed on the platform determined ?

The interest rate is initially proposed by the project owner. RAIZERS, in consultation with the project owner and following the completion of the audit, may adjust the interest rate applicable to the funded project.
This rate is set taking into account several criteria, which may offset one another:
* The operator’s experience
* Level of pre-marketing
* Progress of the project
* Liquidity of the asset
* Margin level
* Etc…

The final rate is approved by the committee and reflects the risk identified in the project and the term of the loan. Its determination may involve a degree of subjectivity, as it also takes into account the relationship between Raizers and the project sponsor, the economic context, and Raizers’ commercial understanding of its clients. It should be noted that this rate is not set unilaterally by Raizers: it is proposed by Raizers and must then be accepted by the project sponsor.