#Types of business loans
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maal-wave · 5 months ago
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Business Financing Options
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kreditbazar · 10 months ago
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Starting a new business is an exhilarating journey filled with endless possibilities. However, one of the biggest challenges aspiring entrepreneurs face is securing adequate funding to bring their vision to life. This is where business loans for startups play a pivotal role, offering financial support to turn innovative ideas into thriving ventures. In this comprehensive guide, we’ll delve into everything you need to know about obtaining a business loan for your startup, from understanding the different types of loans available to navigating the application process and maximizing your chances of approval.
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perilegs · 3 months ago
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shoutout to people working their dream jobs doing something mundane
#i work in IT and can i be honest. i might complain about my work sometimes but ive never#gone to bed and been like ''man i dont want to go to work tomorrow''#or like. i have had thoughts similar to that but it's always because of something non work related#like rn im excited to go to work and see my co workers tomorrow morning#but also i wish i didnt have work so i could wake up to play monhun#or sometimes i wish i could just sleep in. but i never hate my job#i enjoy going there. i can make a living with it. actually as soon as i graduate i'll be earning pretty well#though most of that will be going to student loans for some years but it's still more than what my parents made combined when i was a kid#pre taxes for both of us. not taking inflation into account.#i know i complain about management and complain at work but i genuinely really like my job#its always been my dream to have a job i dont mind doing. and this is it.#im not saying id feel the same in any it job. but here i get to manage like a billion different systems and device types#and i get to do so much different things and theres always something new and fun going on and i get to be a part of making it happen#and its a very seasonal job so im not doing the same thing all around the year. spring is the busiest but i fucking love spring#both in general and at work#days go by fast bc theyre busy but theyre busy in like ah. how do i say it. in a way i dont have high brain power work#sure i need to know my shit but its easy shit#and then winter is always projects and v much using my brain and less my body#spring and summer some work days are workouts gdvxhdns#also during some weeks in the summer. i can go on a walk anytime and get ice cream or something on the clock#and using the excuse of saying im patroling our systems gdvxhsj#theres a lot to do but the work environment is chill#a lot of IT work is. sure paying way more but also complete hell. not for me.#what im doing rn is like. i would not mind retiring here.#im not surprised lots of ppl do like 40 year careers where i work#sure managements been kinda shit but things are changing rn#and i feel like theyre changing for the better#idk im just v happy rn!#spring is coming and i can feel it#i love spring theres so much new things happening
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vimesbootstheory · 11 months ago
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"I have completed the initial review of your business plan and cash flow and overall, you've done a great job putting everything together! Often we have recommendations and changes to help strengthen one's application, however, I don't see any significant gaps in what you've presented."
this is great. I'm going to get a good grade in applying for a business loan, something that is both normal to want and possible to achieve.
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abhay017 · 19 days ago
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Retail Loans in India: Types, Definition, and Examples
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A retail loan is a type of loan provided by financial institutions or banks to individual customers directly and not to companies. Such loans are used for fulfilling personal financial requirements such as the purchase of a house, a vehicle, or for education. The retail loans are typically provided to salaried persons, self-employed persons, and pensioners subject to their income, credit history, and repayment capability.
Retail Loan Meaning
The definition of retail loan meaning is credit products for individual customers. These loans may be secured (such as home or car loans) or unsecured (such as personal loans), and are repaid in regular installments over a period of time. They form an important sector of consumer banking and contribute to personal consumption and improvement in lifestyle.
Retail Loans Include
Retail loans include a large number of personal finance products. The most prevalent ones are:
Home Loans – For the purchase, construction, or expansion of a dwelling.
Personal Loans – Unsecured loans for purposes such as travel, weddings, or medical emergencies.
Auto Loans – To finance the purchase of a new or old car.
Consumer Durable Loans – For the purchase of gadgets, appliances, or furniture.
Credit Cards – Revolving credit with flexible usage and short tenor.
Types of Retail Loans
There are two broad classes:
Secured Retail Loans – Collateral-backed (e.g., property or vehicle).
Unsecured Retail Loans – No collateral, but might be higher interest rates.
Retail Loan Example
One retail loan example is when a person avails of a personal loan of ₹3 lakhs for a wedding. The bank goes through the applicant's credit history and income before sanctioning and disbursing funds.
Retail Loans in India
Indian retail loans have increased substantially on account of rising demand, e-banking, and convenient application procedures. Top banks and NBFCs now provide online portals with quicker approval rates and accommodating repayment schedules, bringing retail credit within reach of millions.
Conclusion
Retail loans are an integral component of contemporary financial existence. From homes to schools, they give people the assistance they need to attain goals. Understanding the meaning, types, and examples of retail loans allows you to make the right financial choices.
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ab-horror · 2 months ago
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whyyyy is finding a place to live so damn HARD
#mine#either its decent rent and gets snatched up in point zero five nanoseconds or the fucking rent is goddamn 1100-1600 a month-#-NOT including utilities. thats over half of what i make in a month#and before anyones like “oh thats not bad” SHUT UP me and everyone else in this godforsaken county is poor as fuck and gets paid like shit#but all the realtors are too busy snatching up all the cheap shit and catering to out of state transplants bc theyre the only ones-#- that can afford this shit. tell me why a subdivision in one of the poorest parts of the county has houses *STARTING* at 300k???????#and then if u try to get like a first time home buyer loan they'll only cover certain types of homes#so if u find a good looking trailer/double wide for sale? get fucked. its not a “house” so they wont help you get it#but they'll help you get a 100k piece of shit thats unlivable and falling to pieces!!! just bc its not a trailer!!!#im so tired of sleeping on a mattress in someone elses floor but literally what the fuck else am i supposed to do!!#and i know theyre probably getting tired of me and my mom being here. and i genuinely wish i could get out of their hair#but like. genuinely. what the fuck do i do#we dont have our own house we dont have our own car and my mom is too busy talking to some dude on the internet to help look for either#oh yea thats a whole other can of worms. for another time.#but whatever. just wish i was never born so i didnt have to deal with all this. lol. happy easter.
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arfinancingcompany · 2 months ago
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The Essential Guide to Small Business Loans in Texas
Navigate the world of Texas business financing with key insights into loan programs, qualification standards, and how to secure capital to keep your business growing and thriving.
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rhythmic-idealist · 4 months ago
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hey, I'm so sorry man I really hate to text with this kind of thing, I know you and your girlfriend are also going through it right now. can I hit you up for a loan? ... no that's literally so kind you are actually a lifesaver. ... to be honest, anything helps, but I think that I need to ask if you have 10 wakeful hours. ... god thank you. shit I hate adding this last minute but some of them have to be labor hours. probably like 5, if you have that? whatever you have? ... I really cannot thank you enough. I don't know if I can pay you back next week but by April I should be good for it ... I know you said don't worry about it but I want to have a deadline on it for my sanity. ... when should you come over? no, I was just going to, I just kind of needed the hours. for a personal project nothing life or death ... right. right no I actually forgot about that, 24 hours per body per day. no you're so right I just literally brain no work fdhigsn ... no actually I think I'll work it out a different way. ... hang on let me make a couple calls. ... yeah, don't worry, I figured it out actually. tysm forEVER though.
hey, sorry I was going to ask a local friend this but do you have................. any labor hours you'd be willing to send me as a loan? ... I KNOW YOU ALWAYS DO. but can you imagine if I came in here to your DMs and just said "Amy, You Are Giving Me Your Hours to clean my apartment" instead of asking? I'm looking for normal waking hours too, do you want to watch Severance? I still haven't seen Severance. It might make you sad though ... plane tickets. hang on no, don't buy a plane ticket, I'll buy your ticket. ... actually, let me look something up really quick? ... yeah, thank you SO much but actually I worked something else out.
... hey literally NEVER worry about it, I got you. I don't have any hours now but I'm saving up so I definitely will on Saturday. I can cover you then? ... yeah, I'll see you then ... hey, something came up. ... no we're all okay ... it's enough of an emergency that it's not my fault and I didn't make you a bad promise, but benign enough that you don't have to suspect I've fucked my life and household into the ground
"god yeah trashbag still in the Elantra's window. an emergency happened over the weekend again; it's enough of an emergency that it's not my fault but benign enough that you don't have to suspect I've fucked my life and household into the ground. I'm gonna replace it as soon as I save up ten hours." ... "I mean three hours. I mean, well, ten was factoring in everything else I'm doing, because I'm so busy all the time. yeah, a lot of cooking."
yeah can we order in again tonight? we can use my card
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dinanathmishra · 6 months ago
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Discover everything you need to know about commercial loans, including types, eligibility, benefits, challenges, and application processes. Empower your business with tailored financial solutions for growth, cash flow management, and operational support.
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hellyeahsickaf · 1 year ago
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I found an extremely dope disability survival guide for those who are homebound, bedbound, in need of disability accommodations, or would otherwise like resources for how to manage your life as a disabled person. (Link is safe)
It has some great articles and resources and while written by people with ME/CFS, it keeps all disabilities in mind. A lot of it is specific to the USA but even if you're from somewhere else, there are many guides that can still help you. Some really good ones are:
How to live a great disabled life- A guide full of resources to make your life easier and probably the best place to start (including links to some of the below resources). Everything from applying for good quality affordable housing to getting free transportation, affordable medication, how to get enough food stamps, how to get a free phone that doesn't suck, how to find housemates and caregivers, how to be homebound, support groups and Facebook pages (including for specific illnesses), how to help with social change from home, and so many more.
Turning a "no" into a "yes"- A guide on what to say when denied for disability aid/accommodations of many types, particularly over the phone. "Never take no for an answer over the phone. If you have not been turned down in writing, you have not been turned down. Period."
How to be poor in America- A very expansive and helpful guide including things from a directory to find your nearest food bank to resources for getting free home modifications, how to get cheap or free eye and dental care, extremely cheap internet, and financial assistance with vet bills
How to be homebound- This is pretty helpful even if you're not homebound. It includes guides on how to save spoons, getting free and low cost transportation, disability resources in your area, home meals, how to have fun/keep busy while in bed, and a severe bedbound activity master list which includes a link to an audio version of the list on Soundcloud
Master List of Disability Accommodation Letters For Housing- Guides on how to request accommodations and housing as well as your rights, laws, and prewritten sample letters to help you get whatever you need. Includes information on how to request additional bedrooms, stop evictions, request meetings via phone, mail, and email if you can't in person, what you can do if a request is denied, and many other helpful guides
Special Laws to Help Domestic Violence Survivors (Vouchers & Low Income Housing)- Protections, laws, and housing rights for survivors of DV (any gender), and how to get support and protection under the VAWA laws to help you and/or loved ones receive housing and assistance
Dealing With Debt & Disability- Information to assist with debt including student loans, medical debt, how to deal with debt collectors as well as an article with a step by step guide that helped the author cut her overwhelming medical bills by 80%!
There are so many more articles, guides, and tools here that have helped a lot of people. And there are a lot of rights, resources, and protections that people don't know they have and guides that can help you manage your life as a disabled person regardless of income, energy levels, and other factors.
Please boost!
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soapcloth · 4 months ago
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CW: 18+ MDNI, loan shark!price x reader part 1, fem!reader, afab!reader, noncon elements, manipulative price, implied violence (not reader), petting, almost(?) fingering - 3K words - dividers -> @/cafekitsune massive thank you to @pricetagged for keeping me sane writing this
“Mr. Price-” you spoke up, fingers massaging into your temples. 
“Said you can call me John, Sweetheart.” the man interjected with a serious look. 
He was currently hanging your entire life over your head and he knew it, you most certainly were not going to call him by his first name. Noticing your reluctance, he shrugged and leaned back into your dining room chair.
“Look, I’ve been as kind as a man like me ought to be. Don’t know how much longer I can shoulder the loss, and I don't know how much longer you-” He sent a condescending look of concern your way, a hand fishing into his pocket. “-can take the fees. I’m playing the good guy here, y’gotta pay up, lovie.” 
“No smoking inside.” you warned, voice less confident than you would have liked it to be.
His hand paused in his coat before slipping out and up in a sign of surrender.
There was a buzzing silence between the two of you, only interrupted by the occasional tick of your kitchen clock. It was hard to meet his gaze, eyes rooted downwards towards your table under the weight of your rising debt to one of the most notorious men in the city.
“Right then.” he huffed, palms coming down to rest on the table before twitching upwards. “So?” 
“Give me another month to pull something together.” you spoke, wincing when you caught the way his eyebrows quirked in surprise. “-Please?”
There was no telling a man like John Price what would be happening. He was the shot caller, the unequivocal card dealer, it was only by some higher grace that he let your ill manners slip. 
He grumbled for a moment before looking up. “I respect what you’ve got going on in the shop, I do. Lovely place, good atmosphere—we’re both the entrepreneurial type, so to say I’ve got a bit of a soft spot for you-” the thought that he’d lump your small shop in with his exploitative business made your stomach turn. “-but this is a bit much, yeah? Let’s give it up, sweetheart.” 
Your face twisted into a sharp grimace, but that was all you could do—what right did you have to tell the man whose money you were living off of to get out of your house? Even worse, you hated that he had a point; you were so tired of your lackluster sales and mounting bills, but-
“I’m not the only owner, I-I can’t just make decisions like that.” you reasoned.
He looked incredibly unimpressed, nostrils flaring with a dissatisfied huff. “Right, your business partner.” 
“H-he-”
“If it’s what you want, m’sure he’ll understand,” Mr. Price hummed, eyes narrowing. “I think you’ll find my men and I can be quite persuasive.” 
Registering your cautious demeanor, his lips curled upwards.
“Where is the bloke anyway?” John asked in faux-disinterest, disapproval blooming from his tone. “Always sends you to talk to the big mean lender. S’not right.” 
He shook his head and sighed.
“-Seen this play out before, love. He’s throwing you under the bus.” 
Your mouth shut, hard set into a frown—you knew he was right. Your business partner was most likely enjoying his morning in peace knowing it was your apartment above the building—your life about to be uprooted if it all went tits-up. It was hard not to feel played.
Mr. Price’s gaze glimmered in recognition, and slowly, like a languid predator, he was leaning across the table with a large hand over your own. 
You studied the sparse dusting of translucent hair on his fingers, the trimmed nails at the ends of his stocky fingers, his nice, expensive-looking watch—anything not to meet his eyes. 
“S’not worth it,” he urged softly. “spreading yourself thin like this.” he paused to think. “My advice? Liquidate, I'm sure you and I can work something out in the long term.”
You swallowed, throat feeling impossibly dry as you focused on the twitch of his thumb.
“I’ll think about it.” 
“I don’t want to be the bad guy, but business is business, sweetheart—I’m offering you a hand, it’s in your best interest to take it.” he spoke, palm patting over your digits before withdrawing into his pocket. There was a deep breath drawn in through his lips. “Right, I’ll be off then—Unless you want me over for lunch?” 
He chuckled deeply in solus as he stood, reminding you of a proud and awful beast. “Maybe another time then, love.” 
Ideally not.
-
The shop had closed on another unnoteworthy day, only serving to further hammer in Mr. Price’s point. With defeated footfall on the stairs up to your flat, you nearly slipped, shocked by a fist beating on the front door frantically. You slowly turned around, heart pounding from the sound.
“-Christ! Let me in!” Ewan, your business partner cried out from the other side of the threshold.
You hurried to the door; pushed aside as soon as the lock had released.
“Do you have any idea what time it is?” you scolded over the shop door’s welcome chime. You were met without response while the man darted for the till. “What are you-”
“Not now,” he growled. “we need to get out of here.” 
Studying him closer, you realized one of his arms had been held up by a makeshift sling, tucked neatly beneath his quilted coat.
“W-what are you talking about?”
He paused, looking up. 
Your eyes widened when the light from the street outside washed over his face. 
“What happened to you?” 
“Doesn’t matter.” he snarled, freshly dried blood crusting at the movement. His head dipped down as he popped open the till. “Price and his dogs want our heads.” 
“I just spoke to him this morning-” 
“Things change—may have pushed our luck a little too far. We’ve got to get out of town.” 
You frowned “I-I can’t just-” 
“Suit yourself.” he snapped, voice dropping to a mumble while his fingers grabbed at whatever they could, stuffing it into his coat pocket haphazardly. “-Sitting duck.”
“Wait—that's our money.” you balked, watching the empty register drawer shut. He offered you a bloody, tight-lipped smile as he sped past you towards the door; in and out like a typhoon.
“Good luck.”
You were stuck where you stood when the door swung shut, absolutely beside yourself in shock as you watched his figure disappear from view into the night. Looking around your shop, it was just as it had been when you closed up, but the knowledge that you were sitting on an empty till, all alone with the looming threat of a less-than-savory money lender finding out you were back to square one for your upcoming payment was not kind as it crashed into you. 
After a sobering moment, you hobbled over to the point of sales, turning the drawer’s lock tentatively. Of course, the tray was as empty as the day you had bought it, save for a spare coin roll shoved into the side. You stared down at the dark plastic, hand clumsily digging into your pocket for your phone. Swiping at the device, you paused, debating for a moment over whether or not to open the banking app; you already knew what you’d see if you did.
Confirming your fears, the log showed a hefty transaction at the branch earlier that day. The account had been emptied right before the banks closed. 
You had nothing to give John Price.
It was all gone.
You stared at your feet while it sunk in. Slowly, you regained the ability to move, making your way over to the shop door and locking it back up before spinning on your heels. The trip upstairs was eerily silent as you slipped into your flat, legs wobbling as you ambled into your washroom and stepped under the hot stream from your showerhead. You let the water run over you for far longer than necessary, only stepping out onto the frigid tile once your fingers had pruned. 
The dinner prep that followed had gone surprisingly smooth, serving as a vessel to pretend the foundation of your life wasn't crumbling away. You replayed comforting thoughts, words passing through your mind like a liferaft just out of reach– you knew Mr. Price, he always spoke gently to you, he would understand, he-
A fat tear fell onto the hand that braced you over the stove, watching the bubbling pasta through bleary eyes. With a shaking grip, you drained the water and slipped the noodles into your saucepan, stirring and sniffling lamely.
You made too much—you had nothing to give and you had made too much. Typical.
Sitting at your table, you ate in near-silence, listening to your clock’s soft ticking as you tried to ignore the afterburn image of Mr. Price across from you where he had sat that morning.
Your fork paused mid-air when the downstairs shop chime rang out. 
Had Ewan come to his senses? 
You closed your eyes and waited for him to call up to you. 
The stark sound of heavy footfall bustling around the lower level was the first thing to alert you to the intrusion—too much noise for one man. Setting down your fork, you stared owlishly at the door to your flat as if it was the last line of defense between you and whatever was happening down there. Through the muffled commotion, you could faintly make out the creak of your stairs getting louder—closer, you watched helplessly as the knob slowly turned.
The door opened a fraction, a thick hand curling around the side to brace it against the three thunderous knocks that echoed throughout the room.
“Come in.” you spoke up once your heartbeat had evened out, blinking as Mr. Price emerged from the dark stairway.
“Mmh, you’re here.” he stared down at you, a pleased rumble rolling around in his chest. “‘Course you didn’t skip town, smart. Good girl.”
He kicked his boots off and drifted through your kitchen; cabinets and drawers clattering behind you while he whistled breathily, dishing up some pasta as if you had made it for him—you do suppose he had every right to, though. 
Your whole body tensed as a palm ghosted across your back. The plate was set down, and the chair beside you was tugged out from beneath the table. 
Your eyes darted to his dish where it sat, steam trailing fragrantly. Mr. Price tucked in, humming lowly despite his tense demeanor. 
“S’good, Love. eat up.” 
You swallowed the lump in your throat and grabbed your fork, gaze falling back to your dish as you picked at the food, appetite long gone. Once again, it was you, Mr. Price, and the sounds of your kitchen—an unwelcome sense of Deja Vu creeping in. 
“Your money’s gone.” you whispered, unable to stand the silence.
He reached towards you, grabbing your napkin, and patting his mouth. “I know.” he scratched at his beard idly. “My boys are dealing with that.” 
You paled, trying not to think about what would happen to your business partner as you watched Mr.Price fuss with his fork, leaning in to take another large bite; a nauseated feeling washing over you. 
“What's going to happen to me?” you murmured, eyes downcast. 
His fork clattered quietly against his plate as his hand came to rest on the back of your neck, thumb petting at your nape. “That’s what I'm here to sort out, sweetheart.” 
Sort out. It was ugly, spoken as if you were just one of his assets. You nodded; compliance met with a soft, affirming squeeze. 
“We can work something out.” his hand traveled downwards, grazing your arm before landing on the meat of your thigh. “I don’t have to be the bad guy.” 
“Mr. Price..” you spoke after a sharp breath, tears threatening to well up. 
You missed the way his eyes crinkled at your weepy tone, thumb brushing your thigh in comfort. 
“I’ve had my eye on you, love—Would have never lent you as much as I did if I wasn't sweet on you. Thought maybe I’d be able to charm my way into your life but it seems like I only see you when you’re late on a payment.” he laughed hoarsely. A knee knocked into yours as he stood; his chair scraping beneath him. The floor creaked under bulk, two large hands coming to rub at your arms with hot breath and trimmed beard tickling at your ear. “-I’m a hopeless romantic, y’see.” 
“Price!” a voice hollered up, causing the man to straighten with a low growl. 
“What?” he barked, voice aimed downstairs.
“Trucks loaded up, gonna head back to the office, yeah? See if Simon needs any help retrieving the cash.” 
His hands flexed around your shoulders. “Good, lock up behind yourself. I’ll be a bit.”
You froze, looking up to see the looming shadow of a man; profile distinct in the low light. He turned to you, offering a tight grin while a wayward hand trailed from your arm to your neck, caressing the skin as he exhaled deeply behind you, resting your head against his abdomen. 
“It’s okay to give in, love.” he cooed. “Let me take care of it all.” 
You had nearly folded when that little prey animal in your brain stiffened, hackles raising. You stood carefully, sidestepping his grasp.
“No, I-I… I couldn’t impose… It’s alright.” you silently begged for him to understand your polite refusal.
“S’not imposing,” he challenged, glaring down at you. “imposing would be the number of zeroes on the sum you owe me—now you care about my burden?”
“That’s-”
“That’s not how this works, sweetheart.” he laughed. “Now, sit back down.”
You complied, lowering back into the seat shamefully.
“Good.” he exhaled, crouching beside you with hands knotted together. “I always collect what’s owed, that’s one thing you need to understand.” 
You nodded.
“-But I’m not opposed to shouldering burdens where personal interest is involved.” His eyes searched your own desperately, palms unfurling to rest back on your legs. “You understand what I'm saying, yeah? You’ll never pay it off alone, let me help. I could take care of you.”
Overwhelmed, you turned away; the grip on your thighs tightening in response as he braced himself, standing up. A warm hand cradled your cheek as he drew your gaze upwards, free hand looping around your back and lifting you to stand against him like a marionette. 
“I don’t know what to do…” you sniffled as his big palm had begun to rub circles into your back. 
He shushed you. “-It’s okay, love. I can handle it, It’ll be okay.”
You nodded, turning and rubbing your face into his shirt as he comforted you. The entire situation was a disorienting experience. Had you done something so wrong to get here?– had it been a crime to want to live a gentle and quiet life in your shop? 
It was hard to care much for your sense of conviction when the root of your problem looked more like a finely woven cradle; what did it matter if you were to bend the knee to your devil’s appeal at this point? 
Still, it felt as if you were teetering on the edge of a cliff.
“I’m scared.” your lips settled for, hiccuping the words into his chest. 
He hummed thoughtfully, the noise buzzing around the walls of your head as his thick arms hooked around your neck, pulling you in deeper—a trap set without any fuss. 
“It’s okay for you to be scared,” he pressed a kiss to your crown. “There’s no way anyone was getting out of those rates you agreed to, love. Let me help you.”
You stiffened, head raising slowly to look at him. He smiled down at you.
“You definitely won’t be taking care of our finances, yeah?” John joked, letting out a deep, phlegmy laugh before he pecked your nose, pulling you back into his chest and rumbling against your head. “Enough nonsense. You’re tired, aren’t you, sweetheart?”
It was all so domestic—like he hadn’t just shown you his rows of jagged, shark-like teeth. 
His grip relented as he patted your bum. “Go on and get into bed, let me clean up dinner.”
-
So you did, brushing your teeth and feeling incredibly confused as to why you were readily complying. What truly got to you was how tender it felt—had you been so oblivious to his vying interest? You had just assumed he was a rare good-natured lender; though, you suppose neither of these had been true.
John Price was not a good man; although it was a recent revelation in the grand scheme of things, you knew this as a fact now. The other fact of the matter was that it seemed you were most likely the real collateral in the vulturine deal. Had he been playing the long game?
You could hear John floating around in the other room as you pulled an old shirt over your head to sleep in—the kitchen faucet running as you slipped into your bed. It all felt so wrong. 
Your eyes shot open when the bedroom’s aged floor creaked, deer-like paralysis keeping you snapshot-still as the ring of his belt buckle filled the static air. Was he—The rickety bed dipped behind you under John’s added weight, bedframe crying out with every shift of his body that came with tucking himself against you; achy grunts blowing out from his lips.
“Not as limber as I used to be.” he laughed modestly. “Still gets the job done though, I reckon.” 
He breathed for a moment before his nose dipped into the hair at your nape, sniffling around. 
“-Better than I imagined.” he grumbled contently.
Thick hands dipped under your shirt, massaging at the skin momentarily before slipping into your panties, tugging them out of the way. 
“Mr. Price.” you winced, feeling his cold hand on the sensitive skin.
his hands paused as the large man thought for a moment.
“Mrs. Price…” he chuckled after a beat, the hairs on your neck standing up in response. “-See? You don’t like it much, either. Now, what’s my name, love?”
“John.” you mumbled quietly, eyes darting around through the dark of your room.
“Mmh. good girl.” he hummed, hand cupping your cunt and thumbing at it absentmindedly. “Sleep, love. Big day tomorrow, yeah?” 
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kreditbazar · 10 months ago
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davidl2001 · 1 year ago
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Financial Literacy 101: Exploring Different Types of Loans and Their Mechanics
Types of Loans Loans are an essential aspect of personal finance and can help individuals achieve their goals, from purchasing a car or a home to starting a business. But are you feeling overwhelmed by all the different types of loans available in the market? Do you find yourself confused by the jargon used by financial institutions when discussing loan mechanics? Fear not, because in this post,…
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cloudyluun · 4 months ago
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Easy Money | sugar daddy!harry
Summary: What started as a simple transaction—a way to make some quick cash—turns into something far more complicated when Harry refuses to keep things strictly business. He spoils you, adores you, falls for you. But when he finally confesses his feelings, you remind him this was never supposed to be real. The only problem? Somewhere along the way, it became exactly that.
Wordt Count: 8k
A/N: This was a very special request from one of my absolute favourite readers (you know who you are 😉). I had way too much fun writing this, so if you find yourself blushing, looking away from your screen, or needing a cold shower—just know, that was entirely the goal. Enjoy, you little troublemakers. 
Warnings: 
Smut (and a lot of it)
Sugar daddy arrangement turning very real
Power struggles in bed (both of them want control and it gets heated)
Dom!Harry / Bratty!Reader dynamics
Lots of teasing, dirty talk, and tension so thick you could choke on it
Angst & emotional turmoil (Harry catches feelings first and it hurts)
Over-the-top romance (he spoils her, worships her, and claims her)
Explicit language
Mentions of financial struggles
Soft, clingy aftercare that will make you feel things
Read responsibly. Or don’t. Just don’t blame me when Harry Styles takes over your brain. 
☆ ★ ✮ ★ ☆
Your phone buzzes with another notification from your bank. You already know what it says before you even look, but the sinking feeling in your stomach urges you to check anyway.
LOW BALANCE ALERT
You sigh, thumb hovering over the notification before swiping it away. As if ignoring it will make the problem disappear.
It doesn’t.
Bills are due. Rent is due. Your student loans are a monster looming over your shoulder, their presence suffocating no matter how much you try to ignore them. Every paycheck disappears the second it hits your account, and no matter how many shifts you pick up or how much you cut back, it’s never enough. The math simply doesn’t math.
You’ve tried everything.
Taking extra hours at work? Done. You’re already stretched thin, running on caffeine and sheer willpower.
Side hustles? Tried. You’ve scoured every "easy ways to make money" list on the internet. You’ve filled out mind-numbing surveys for pennies, signed up for focus groups that never picked you, even considered selling pictures of your feet, only to chicken out the second you realized you had no idea where to even start.
Asking your parents for help? Not an option. The thought alone makes your stomach twist with shame. You’re an adult. You should be able to handle this.
But you’re drowning.
And tonight, after another long shift, after tipping your last few dollars to the bartender in a desperate attempt to pretend you have your life together, you lie in bed, scrolling through your phone, searching for something. A solution. A miracle. A quick fix that doesn’t exist.
Your searches grow more desperate. How to make money fast. How to pay rent when you’re broke. How to get a sugar daddy—
You pause.
The words stare back at you from the search bar, your heart skipping a beat as you realize you actually typed it. You weren’t even thinking. Just letting your thoughts spill out onto the screen, every insane idea passing through your exhausted brain.
But now the idea is there.
And worse—it isn’t immediately repulsive.
It’s not like you don’t know what a sugar baby is. You’ve heard the stories, seen the jokes. Older, rich men paying younger women just to be in their presence. Some arrangements are physical, sure, but plenty aren’t.
And it’s not like you’d actually do it.
…Right?
Your finger hovers over the search results, heartbeat picking up. You tell yourself you’re just curious. Just looking.
Twenty minutes later, you’re staring at the App Store. A bright pink logo sits on your screen, the words SUGAR DADDY APP – FIND YOUR ARRANGEMENT TODAY! flashing below it.
You chew on your lip, pulse thrumming in your ears.
This is insane.
This is absolutely insane.
But what if—
What if it’s just casual meetups? Just talking. Just dinner. Some of these girls are getting their rent paid just for going on dates. What if that could be you? What if this is the answer?
What’s the harm in looking?
Before you can second-guess yourself, your thumb presses download.
The next few minutes pass in a blur. The app opens, welcoming you with a sleek, luxurious design; gold accents, elegant fonts, a promise of “mutually beneficial arrangements.” The signup process is shockingly easy. You pick a username, upload a picture (nothing scandalous, just a cute selfie), and fill out your bio.
“Young, fun, and a great conversationalist. Looking for someone who appreciates good company. Nothing serious.”
That should do.
Messages start coming in immediately.
And it’s exactly what you expected.
Older men with awkward, borderline sleazy messages. Some are direct, offering money in exchange for explicit favors. Others try to be charming but still give off a transactional vibe. None of them make you feel… good.
You sigh, already regretting this. Maybe this was a stupid idea. Maybe you should just—
MATCH!
A notification pops up at the top of your screen. You glance at it, ready to roll your eyes, until you see the name.
Harry.
You blink. That’s… different.
You click on his profile, expecting the same thing you’ve seen all night. But your breath catches.
He’s young. Well—not young, but younger than the rest. Late thirties, maybe early fourties. Sharp jawline, green eyes, a dimple that softens his otherwise serious expression. Dressed in a crisp, expensive-looking suit, but his tattoos peek out from beneath the sleeves, a contradiction that instantly intrigues you.
He doesn’t look like he belongs here.
But then again… neither do you.
Your pulse quickens as you stare at his profile, your fingers hesitating over the keyboard.
What do you even say to someone like him?
Your fingers hover over the keyboard, hesitation creeping in. A simple hi feels too basic. A joke might come off as trying too hard. But before you can overthink yourself into oblivion, a new notification pops up.
Harry sent you a message.
Your stomach flips. You exhale, steadying yourself before clicking to open it.
"Didn’t expect to find someone like you on here."
You blink. That’s… not what you expected. There’s no awkward proposition, no sleazy opener, no immediate offer of money in exchange for something degrading. It’s casual, almost intrigued. He follows up before you can reply.
"Not complaining, though. You look like you have good taste in wine."
A laugh escapes you before you can stop it. It’s charming. Simple. Not overdone. And weirdly enough it works.
Your eyes flicker back to his profile. It really is almost too good to be true. His pictures look professional, but not in the this was stolen from someone else’s Instagram way. They’re polished but natural. He’s sitting in a sleek black car in one, leaning against a marble bar in another. His bio is short, to the point.
“Successful entrepreneur. Generous. Looking for good company, good conversation, and good wine.”
There’s no cringey flexing. No desperate attempt to lure someone in. Just confidence. And it makes you nervous.
Still, you answer.
"I do. But I don’t let just anyone buy me a glass."
A beat. Then:
"Let me take you to dinner and prove I’m worth it."
Your stomach knots. You tell yourself you should be skeptical, that this is exactly how people end up in shady situations, but… there’s something different about him. He doesn’t reek of desperation. He’s not trying to corner you into anything. If anything, he almost seems amused.
Still, you’re cautious.
"That depends on the restaurant."
His response is instant.
"Le Jardin."
Your breath catches. That’s not just a restaurant. That’s the restaurant. The kind of place that has a six-month waitlist and a menu with no prices because if you have to ask, you can’t afford it.
Before you can even process it, another message pops up.
"I’ll pay you $3,000 just to show up."
You sit up so fast your vision tilts.
Three. Thousand. Dollars.
For dinner? For a couple of hours of your time?
Your heart pounds. Your rent is barely half of that. That kind of money would give you breathing room, let you live for a moment instead of just surviving.
Your fingers tighten around your phone. Your brain is screaming at you to say yes. But a small part of you hesitates.
You’re not stupid. You know nothing comes for free.
"And what do you expect in return?" you finally ask.
His reply is simple.
"Dinner. Conversation. That’s all."
You swallow. You want to believe him. And against your better judgment… you do.
Your fingers shake slightly as you type out your answer.
"Alright. I’m in."
You set the phone down, staring at the screen as the reality of what you just agreed to sinks in.
You tell yourself it’s just transactional.
No expectations.
No strings attached.
So why does it already feel like something else?
You shove that thought aside as you get ready.
You’ve never been to a place like Le Jardin, never even been within walking distance of it, but you know what kind of people dine there. The rich, the powerful, the ones who don’t check price tags or worry about overdraft fees. You’re not one of them, and it makes your stomach twist as you stand in front of your closet, trying to figure out what to wear.
You settle on a sleek black dress—nothing too extravagant, but elegant enough to blend in. You keep your makeup simple, your jewelry minimal, but when you step in front of the mirror, something about your reflection feels different. Almost like you belong in this world. Like you could make someone believe it, even if only for one night.
The car Harry sends for you pulls up right on time. The driver is professional, dressed in a crisp suit, and doesn’t say much beyond a polite, “Miss?” as he opens the door. The ride is smooth, the city lights blurring past the tinted windows, and the entire time, your fingers twitch in your lap.
You tell yourself this is just a dinner. Just a business transaction. Just easy money.
But then you step into the restaurant, and your breath catches.
Le Jardin is breathtaking. Soft golden lighting, high ceilings, waiters gliding between tables like they’re floating. Everything about it screams exclusivity, like you’ve just stepped into a world not meant for people like you.
And then you see him.
Harry.
He stands as soon as he spots you, and for a second, the air shifts.
You were prepared for him to be attractive—you’ve seen his pictures, you knew what to expect—but this? This is something else entirely.
He’s tall, broad, the tailored lines of his suit clinging to him in a way that makes your mouth dry. Dark curls, sharp jaw, green eyes that flicker with something unreadable as he watches you cross the room.
And then he smiles.
Not a smirk, not a cocky I-have-you-right-where-I-want-you grin, but something softer. Something that makes his dimple crease and his eyes warm.
It’s almost disarming.
He pulls out your chair before you can even reach for it. “You look stunning,” he murmurs, his voice a low hum that slides down your spine.
You blink at him, thrown off. You expected arrogance, maybe a smooth line or two, but instead, he sounds almost… genuine.
You let him push in your chair, smoothing your hands over your dress as you settle in. “I try.”
He chuckles, a quiet thing, and as he takes his seat across from you, you realize he hasn’t stopped looking at you.
Not in the way the other men on the app did, like they were already calculating what they’d get out of you. No, this is different. It’s like he’s trying to figure you out, like he’s curious.
The waiter appears, offering an expensive bottle of wine without asking if you’d like to see the menu first. You don’t even know how to pronounce the name, but Harry just nods, thanking the server before turning back to you.
“So,” he says, resting his elbows on the table, fingers laced together. “Tell me something about you.”
You tilt your head. “Like what?”
“Anything.” He shrugs. “Something that’s not in your profile.”
You hesitate. You could give him something basic, something easy. But for some reason, you don’t want to.
“I hate tomatoes,” you say, watching for his reaction.
He blinks. Then laughs. A real, full laugh, his head tipping back slightly.
“Alright,” he says, still smiling. “Not what I expected, but I respect it.”
The conversation flows effortlessly after that. He asks questions—genuine ones—not just about you, but your thoughts, your opinions, things that have nothing to do with the arrangement. And he listens. Really listens. Holding eye contact like he’s hanging onto every word.
The food arrives—meals you can’t even begin to describe, flavors so rich you feel out of place eating them. But Harry makes it easy, never letting the moment feel intimidating.
At one point, he cuts a bite of his dish and lifts it toward you.
“Try this.”
You don’t even think twice. You just let him. Let him feed you, his fingers brushing the corner of your lips as you take the bite.
It doesn’t faze you.
But him?
He’s gone.
It’s subtle—the way his jaw tightens slightly, the way his gaze drops to your mouth for half a second longer than necessary—but you catch it. And for some reason, it makes you smile.
Dessert comes, and he reaches across the table, taking your hand in his. His thumb brushes over your knuckles, a soft, absentminded motion, like he doesn’t even realize he’s doing it.
“Can I see you again?” he asks.
The look in his eyes is something you can’t quite place.
You don’t hesitate.
You nod, lips curling slightly.
You’re getting paid, after all.
That’s what you tell yourself when the gifts start rolling in.
At first, they’re subtle. A bottle of perfume left on your doorstep, the kind you’d never splurge on for yourself. The packaging alone screams luxury, sleek and weighty in your hands. You hesitate before opening the attached note, curiosity bubbling in your chest.
“Reminded me of you. - H”
You roll your eyes, but a small smile tugs at your lips. You spritz a little onto your wrist, inhaling. It’s warm, sensual—notes of vanilla and something darker, richer. Expensive.
And then it doesn’t stop.
A few days later, a box arrives. Big this time. Too big for just perfume. You tear through the pristine wrapping to find a designer handbag nestled inside, the leather buttery soft beneath your fingertips.
Your first thought is: What the fuck?
Your second thought is: How much did this cost?
You barely have time to process before your phone buzzes.
Harry: Saw this and thought of you. Hope you like it.
You blink down at the message, at the bag, then back again.
Is this normal? you wonder. Is this what this arrangement is supposed to look like?
You send back a single text.
You: You’re insane.
His response is immediate.
Harry: I like spoiling you.
You don’t know what to do with that, so you just… let it happen.
At first, it’s funny. It feels like playing a role, stepping into a world you don’t belong in. You make jokes to yourself every time another absurdly expensive thing lands in your lap.
Then come the texts.
They start out simple, routine check-ins that could easily be brushed off.
“Morning, love. Hope today isn’t too stressful.”
“Made it home safe?”
“Sleep well?”
But then they start happening like clockwork.
Every morning, without fail—
“Good morning, darling.”
Every night—
“Sleep tight. Dream of me.”
You laugh when you read that one, shaking your head. It’s charming. Ridiculous.
And then there are the touches.
He kisses your forehead when he greets you, like it’s the most natural thing in the world. When he hands you a drink, his fingers brush yours, lingering a fraction longer than necessary. When you walk into a room together, his hand finds the small of your back, warm and steady, like he’s guiding you, claiming you.
The thing is… you don’t encourage it.
But you also don’t stop it.
Because—if you’re being honest?—it’s kind of cute.
And, really, what’s the harm?
You meet up with him again. And again. It becomes a pattern, slipping into your life with alarming ease. Lavish dinners, expensive outings, stolen moments where he looks at you like you’re something rare, something fragile.
Then, one night, it happens.
You’re seated across from him at a dimly lit restaurant, the hum of soft jazz filling the air. Your wine glass is half-full, your plate mostly cleared, and he’s been watching you all night—watching in that way he does, like he’s memorizing you.
And then, almost absentmindedly, he stirs his drink and murmurs, “Didn’t like being away from you today.”
You barely register his words at first, too focused on the way he swirls the amber liquid in his glass.
But then he looks up.
And there’s something there.
Something warm, something vulnerable.
“Missed you,” he says, like it’s obvious. Like it’s the easiest thing in the world.
You snort, reaching out without thinking, patting his cheek lightly. “That’s adorable.”
He huffs out a laugh, but he leans into your touch like a man starved, like it means something to him.
And that’s when it hits you.
Like a freight train, like a sucker punch to the ribs.
You’re in it for the money.
He’s in it for love.
You know it now. You’ve known it for a while, haven’t you? If you really take a second to think about it, you’d realize that every expensive gift, every lingering touch, every look of pure, devoted affection was leading up to this.
You should’ve seen it coming.
Maybe you did, but you ignored it. You chose to believe that this was just fun for him the same way it was fun for you. That he was playing along with the fantasy, indulging in the illusion of something deeper—just because he could.
Because it was easy. Because it was nice.
Because it meant neither of you had to be alone.
But Harry?
Harry was never playing.
And tonight proves it.
The restaurant is unlike anything you’ve ever seen before. You knew it would be.
With Harry, everything is excessive. He likes to spoil you, to spend absurd amounts of money just to watch your reaction. It’s fun for him, you think.
But this is different.
This isn’t just extravagant. This is romantic.
The entire penthouse-level dining room is bathed in golden candlelight, the glow flickering off the floor-to-ceiling windows that overlook the entire city. The table is set for two, an elaborate spread of silverware and delicate wine glasses that you already know you’ll be too nervous to touch. The scent of fresh roses lingers in the air, overwhelming but intentional.
It’s the kind of setup someone arranges when they’re about to propose.
The thought makes something uneasy curl in your stomach.
Harry has been off all evening. Not in an obvious way—no, he’s still charming, still soft-spoken, still perfectly polite.
But he’s quiet.
More than usual.
His touches have been different tonight, too. Deliberate. Lingering. When he pulled out your chair for you, his hands skimmed over your shoulders, his fingers trailing against your skin like he was memorizing the feeling. When he handed you your wine glass, he let his fingertips brush over yours, his touch slow, like he needed it. When you made a joke about the ridiculous amount of forks in front of you, he didn’t just laugh—he looked at you like you’d just hung the moon.
And the way he’s looking at you now?
Like he’s about to say something you won’t be able to take back.
You should stop this.
You should.
But you don’t.
Because you’ve spent so long pretending that this—whatever this is—can exist in some untouchable space. That as long as you don’t acknowledge the shift, as long as you don’t name it, it will stay the same.
But you were wrong.
And Harry?
Harry is about to prove it.
The room is quiet except for the soft hum of music in the background, the flicker of candlelight making shadows dance across his face.
And then—
“I think I’m in love with you.”
Your entire body locks up.
The words don’t register at first, like your brain is physically rejecting them.
Because, no.
No, that’s not what this is.
That’s not what this was ever supposed to be.
You feel your heart hammering against your ribs, something hot crawling up your spine, your throat suddenly too tight, your hands suddenly too still.
You blink.
He’s still looking at you.
Still waiting.
Like this is the moment everything changes. Like this is the moment he’s been waiting for.
Like this is the moment he gets you.
But he doesn’t.
He won’t.
You inhale sharply, your pulse roaring in your ears, the weight of his confession settling onto your chest like a ton of bricks.
His fingers tighten ever so slightly around yours, the warmth of his skin grounding you, holding you there like an anchor. Like he can sense that you’re about to run.
You swallow hard.
“Harry…”
The smile on his lips falters. Barely.
But you notice it.
You notice everything.
The way his fingers twitch. The way his eyes search yours, desperate. The way his jaw clenches, like he already knows.
You have to do this.
You have to say it.
Even if it feels like you’re about to carve him open.
Even if it feels like you’re about to carve yourself open.
You take a breath.
“This isn’t real.”
It’s quiet. A whisper. A tiny, fragile thing.
But it shatters him all the same.
You see it.
The way his entire body stills. The way the warmth drains from his face, his hands slipping away from yours so slowly, so painfully, like he’s forcing himself to let go.
Like he doesn’t want to.
But he has to.
His throat bobs.
His eyes flicker, something shifting in them—something soft breaking, something hopeful dying.
“Not real?” His voice is quiet, hoarse, like it physically hurts him to ask.
You open your mouth.
But nothing comes out.
Because what do you even say?
What could you possibly say to fix this?
To fix him?
To fix the way he’s looking at you like you just ripped the ground out from beneath him?
You weren’t supposed to mean this much to him.
But you do.
And that’s the problem.
The problem isn’t that he loves you.
The problem isn’t that he confessed.
The problem isn’t even that you saw it coming and did nothing to stop it.
The problem is that when he looks at you like this—like this—you don’t want to stop it.
His hands are still cradling your face, his thumbs ghosting over your cheekbones like he’s afraid you’ll disappear if he lets go. Like if he just holds you tightly enough, he can will you into feeling the same way he does.
And maybe he can.
Because something about the way he’s looking at you now makes something deep in your chest ache. Makes something warm coil low in your stomach, makes your fingers tremble against the tablecloth.
You shouldn’t be here.
You shouldn’t still be sitting in this candlelit penthouse with him.
You should say something sharp and final, put an end to whatever this is before it gets worse. Before he gets hurt. Before you get hurt.
But you don’t.
You can’t.
Because his eyes are flickering over your face like he’s memorizing you. Because his lips are parted, his breath shallow, his chest rising and falling unevenly.
Because when he speaks, his voice is hoarse, wrecked.
“It is for me.”
It knocks the air right out of you.
It’s not pleading. It’s not even a question.
It’s just fact.
And you feel it—God, you feel it.
He has never been playing.
Not once.
Not for a second.
This was always real for him.
And now?
Now, it’s real for you, too.
You should pull away.
You should.
You should tell him you’re sorry, that you never meant to let it get this far, that you never meant to make him fall for you.
But instead—
You tilt your chin up, let your gaze lock with his, let the tension between you thicken and twist until there’s only one way this ends.
“Then make me believe it.”
It’s barely a whisper. But he hears it.
You know he hears it.
Because his entire body reacts—his grip on your face tightening, his lips parting, his chest rising with a sharp inhale.
And then, before you can think, before you can breathe, before you can stop yourself—
His mouth crashes onto yours.
It’s not soft. It’s not careful.
It’s desperate.
It’s months of lingering touches, of stolen glances, of suppressed feelings exploding all at once.
His hands slide from your face to your jaw, tilting your head up, angling you the way he wants, the way he needs. His lips move against yours with a hunger you’ve never felt from him before, all-consuming, his body leaning forward until you have no choice but to grab onto his shirt, fisting the fabric in your hands to keep yourself steady.
You gasp against his mouth, and he groans, deep and guttural, swallowing the sound like it belongs to him. Like you belong to him.
And maybe you do.
His hands are everywhere now—sliding down your neck, tracing your collarbone, curling around your waist as he yanks you toward him. The chair scrapes against the floor as he stands, pulling you up with him, pressing your body flush against his.
It’s too much.
It’s not enough.
Your fingers slip into his hair, tugging, and he growls, his teeth grazing your bottom lip, his hands gripping your hips so tightly you know you’ll feel it tomorrow.
You don’t care.
You don’t care about any of it anymore.
Not the arrangement.
Not the money.
Not the way you told yourself this wasn’t real.
Because right now, with his lips hot and insistent against yours, his body pressed against you like he needs you to breathe—
It is.
It is real.
And you want more.
“Harry,” you murmur against his mouth, your fingers tugging at his shirt, nails scraping down his back.
He groans, his forehead dropping to yours, his breath ragged. “Say it again.”
You shiver.
His voice is different now. Lower. Rougher.
More possessive.
You lick your lips, tilting your head, letting your nose brush against his. “Harry.”
It’s all he needs.
He moves fast. One second, you’re standing by the table, and the next, he’s walking you backward, his grip firm but gentle, like he’s guiding you, like he’s making sure you want this.
And you do.
God, you do.
The backs of your legs hit something soft—one of the long velvet couches lining the floor-to-ceiling windows—and then he’s pushing you down, following you without hesitation, his hands bracketing your hips, his body pressing you into the cushions.
His lips move from your mouth to your jaw, then lower, kissing, nipping, claiming.
“You have no fucking idea,” he rasps against your skin, “how long I’ve wanted this.”
You arch beneath him, your breath stuttering.
“How long I’ve waited for you,” he murmurs, his hands slipping beneath the hem of your dress, fingers dragging over bare skin.
Your nails dig into his back.
This is different.
This isn’t just sex.
This isn’t just fulfilling an arrangement.
This is him showing you what he means.
This is you finally admitting what you want.
“Then show me,” you breathe.
He does.
Harry doesn’t hesitate.
He surges forward, claiming your lips again, this time slower, deeper—like he’s savoring you, like he’s tasting something he knows he’ll never get enough of. His hands tighten on your body, strong fingers splaying against your ribs, dragging up, up, up, until his thumbs are teasing along the sides of your breasts, just enough to make you arch into him.
A low groan rumbles from his chest, vibrating against your skin as he kisses you harder, as his tongue sweeps against yours in a kiss so deep it steals the breath right out of your lungs.
And then he’s moving, lifting you effortlessly from the couch like you weigh nothing, like you belong in his arms. His grip is strong—possessive—one hand on your thigh, the other curled around your back as he carries you across the room.
His lips never leave yours.
His kisses are slow now, teasing, dragging, pulling soft whimpers from your throat that he swallows like they belong to him.
He walks you straight to the bed, laying you down like you’re something precious, something breakable.
But you’re not breakable.
And when he starts to pull away, you don’t let him.
You grip his shirt, fisting the fabric, yanking him back down until he’s hovering over you, his body caging yours in. His breath is heavy, uneven, his eyes blown wide and desperate.
“You want to take your time?” you murmur, fingers toying with the buttons of his shirt, sliding them through the fabric one by one, teasing.
His jaw clenches.
“I’ve been waiting,” he says, voice low, rough. “For months.”
Your lips curl.
“So why are you still dressed?”
Something snaps.
Harry growls, yanking his shirt off in one swift motion before his hands are back on you, slipping under your dress, pushing the fabric up, exposing skin he’s been dying to touch.
“You think you’re in charge?” he mutters, mouth against your throat, kissing, nipping, dragging his tongue over the spot that makes you shiver.
A smirk plays at your lips.
“I know I am.”
His fingers tighten on your hips. “Not tonight.”
You don’t get the chance to respond before he’s got you flat on your back, hands gripping your wrists, pinning them above your head as he stares down at you, chest heaving.
And fuck, he’s beautiful like this.
Eyes dark, lips swollen, hair falling into his face, body hard and tense against yours.
“You drive me fucking crazy,” he murmurs, voice thick with need, his fingers tracing over the pulse point in your wrist.
“Good,” you whisper back.
His lips crash against yours again, hungrier this time, rougher.
He’s not just kissing you—he’s devouring you.
And you let him.
You moan into his mouth, rolling your hips up, grinding against the hardness pressing between your legs, and he hisses, his grip tightening.
“You’re fucking dangerous,” he groans, dropping his forehead against yours, his breath hot and ragged. “D’you have any idea what you do to me?”
You smile, slow and teasing, tilting your head, lips brushing against his jaw.
“Show me.”
He does.
His hands are everywhere—gripping, caressing, exploring.
He strips you slow, torturous, dragging the straps of your dress down your shoulders, pressing soft, lingering kisses to every inch of exposed skin.
“You’re perfect,” he breathes, his lips brushing over your collarbone, his hands palming your breasts, rolling your nipples between his fingers, making you gasp.
“Harry,” you whimper, arching into his touch, nails dragging down his back.
He groans, sucking a mark onto your skin, his tongue flicking over it, soothing, before he starts moving lower.
His mouth trails over your ribs, your stomach, his fingers sliding under the waistband of your panties, tugging them down slow, too slow.
“Tell me what you want,” he murmurs, lips brushing over the inside of your thigh.
You squirm beneath him, breath hitching. “You.”
His teeth graze your skin. “Be specific.”
You bite your lip, staring down at him, the way he’s kneeling between your legs, eyes dark and hungry, waiting.
You reach down, threading your fingers into his hair, tugging lightly. “I want your mouth.”
A smirk tugs at his lips.
“Good girl.”
And then his mouth is on you.
You gasp, head falling back against the pillows, fingers tightening in his hair as he licks, sucks, devours you like he’s starved.
It’s overwhelming.
It’s too much and not enough all at once.
His tongue moves slow, deliberate, teasing, and when you let out a breathy moan, he groans against you, gripping your thighs, holding you in place as he eats you like he’s trying to ruin you.
Like he’s claiming you.
Your thighs tremble around his head, pleasure building too fast, too strong, and he knows, because he presses his tongue against your clit, flicking, sucking, driving you insane.
“Harry—fuck—”
“Come for me,” he rasps against your skin, voice rough and commanding, his fingers digging into your thighs. “Come on, baby. Let me feel it.”
And you do.
You unravel beneath him, your body arching, pleasure washing over you in waves as you cry out his name, your fingers tight in his hair.
He works you through it, his mouth never leaving you, softening the strokes of his tongue until you’re panting, trembling beneath him.
Then he’s moving, crawling back up your body, kissing you deep, letting you taste yourself on his tongue as he pushes his hips against yours.
He’s hard, straining against his pants, and you reach down, palming him through the fabric, making him groan.
“Your turn,” you murmur, eyes dark, wicked.
His breath hitches.
You flip him over, straddling his hips, pinning his wrists to the bed, watching as his pupils dilate, his breath stuttering.
“You like that?” you tease, rolling your hips against him.
His jaw clenches. “You have no idea.”
You smirk. “Then let me show you.”
And you do.
You roll your hips against him, slow and deliberate, feeling the thick press of him still trapped beneath layers of fabric. His breath shudders, his fingers twitch where you’ve got them pinned, but you don’t let up. You grind down again, watching his jaw clench, the way his body tenses beneath you, all muscle and restraint.
“You like being underneath me?” you tease, dragging your nails lightly down his chest, tracing the hard lines of muscle, feeling the way his abs tense at your touch.
His eyes darken. “Don’t push me, love.”
You lean down, just enough for your lips to ghost over his, barely brushing, teasing, taunting. “Or what?”
His breath hitches. Then he growls.
A low, dangerous sound that sends heat pooling between your thighs.
He bucks his hips, trying to shift the power, but you press down harder, hands splaying over his chest, keeping him pinned.
“Fucking hell,” he grits out, head tipping back against the pillows. “You’re a tease.”
You smirk, rolling your hips again, slower this time. “And you love it.”
His hands flex against the sheets, his muscles straining beneath you like he’s dying to grab you, flip you, take back control. But he doesn’t. He lets you have it—for now.
“That’s it,” you murmur, leaning down, trailing soft, open-mouthed kisses over his throat, nipping lightly at his pulse point. “Be good for me.”
He groans, his fingers twitching, desperate to touch.
But you don’t let him.
You grab his wrists again, pressing them firmly into the mattress, locking him in place as you start moving properly, rocking against him, dragging the thick outline of his cock right against your soaked panties.
His breath shudders.
“Jesus fuck,” he rasps, eyes fluttering shut for a second, chest rising and falling with heavy, uneven breaths.
You roll your hips harder, the friction sending pleasure shooting through you, and when he lets out a strangled moan, you smile.
“Poor baby,” you coo, running your tongue along the shell of his ear. “Does it feel good?”
His jaw clenches so hard you think it might break.
“Y’think you’re in charge, hmm?” His voice is thick, rough, dangerous.
Your lips curl as you grind down again, harder this time. “I know I am.”
Something snaps.
In a blink, Harry moves.
One second, you’re in control—the next, you’re not.
With a low, feral growl, he rips his wrists free, grabbing your waist and flipping you onto your back so fast your breath catches. Before you can even react, he’s on you, pressing you into the mattress, his body heavy, his hands rough.
“You think you can tease me like that?” he murmurs, eyes dark and dangerous as he grabs your wrists, pinning them above your head.
You inhale sharply, shivering at the sudden shift, at the way he’s towering over you, at the raw hunger in his eyes.
“Maybe I wanted you to break,” you whisper, testing, teasing, pushing.
His grip tightens.
“Fucking hell, you’re a brat.”
You smirk. “And you love it.”
His lips crash against yours.
It’s rough, desperate, all tongue and teeth, like he’s punishing you, like he’s claiming you. You moan into his mouth, arching up, pressing your body to his, feeling the hard lines of him against your softness.
His hands are everywhere—gripping your waist, sliding down to your thighs, spreading you open beneath him as he grinds against you, letting you feel how much he wants this.
“Fuck,” he groans against your lips, rolling his hips harder, sending sparks of pleasure shooting through you. “You feel that, baby? Feel what you do to me?”
You whimper, nodding, your head spinning, body thrumming with heat.
“Use your words,” he murmurs, kissing down your neck, sucking hard at your pulse point, leaving marks. Claiming you.
“Yes,” you breathe, hands clutching at his back, nails digging in. “I feel it.”
“Yeah?” He pulls back just enough to look at you, eyes dark, dangerous. “You ready to stop playing, then?”
Your breath hitches.
You smirk. “Make me.”
His eyes flash.
“Oh, baby,” he murmurs, voice low, threatening. “You’re gonna regret that.”
His hand suddenly fists in your hair, tilting your head up just enough for his lips to hover over yours, breaths mingling, tension thick and electric.
“As much as I love watching you think you’re in charge,” he murmurs, his voice thick, deep, commanding, “I need to fuck you. Now.”
A shiver racks through you, but before you can respond, he moves.
In one swift motion, he flips you onto your stomach, pressing you down into the mattress, his hands everywhere—gripping your hips, running up your sides, ghosting over your ribs like he’s savoring every inch of you.
“My turn,” he breathes, dragging your wrists above your head, holding you still as his mouth finds your shoulder, pressing a slow, open-mouthed kiss to your heated skin.
You try to shift beneath him, to gain some control back, but his grip tightens, fingers wrapping around your wrists, pinning you down completely.
“Be good for me,” he murmurs against your skin, lips trailing down your back, teeth grazing over already-sensitive spots.
You whimper, squirming, desperate for more, but he takes his time, teasing, torturing, his touch featherlight as he drags his fingers down the curve of your spine, over the swell of your ass.
“You’re too fucking pretty like this,” he mutters, mostly to himself, squeezing your hips, dragging you back against him so you can feel exactly how hard he is. “Fuck, I’ve been waiting for this.”
Your breath stutters, body burning, every nerve alight with anticipation.
“Harry,” you whimper, rolling your hips back, silently begging. “Please.”
He groans, low and dark, his restraint snapping.
“Yeah?” he taunts, lips ghosting over your ear as he presses his chest to your back. “You ready for me, baby?”
You nod frantically, arching against him, needing, aching—
But he still makes you wait.
Dragging his hand between your thighs, he strokes you with maddening slowness, gathering your wetness on his fingers, groaning at how ready you are.
“Fuck,” he grits out. “Dripping for me already?”
You whimper, nodding. “Harry, please—”
Finally, finally, he aligns himself with you, pressing the thick head of his cock against your entrance, teasing, waiting—
“Look at me.”
His voice is commanding, leaving no room for argument.
You turn your head just enough to meet his gaze, your breath catching at the intensity in his eyes—dark, hungry, wild.
He watches you, waiting, holding you there in the moment, making sure you feel it before he gives you what you want.
And then—
He thrusts in.
A strangled moan rips from your throat as he fills you completely, stretching you open, deep and overwhelming.
A guttural groan rumbles from his chest as he buries himself inside you, his grip bruising on your hips, like he’s afraid you’ll slip away.
“Fuck. Fuck,” he grits out, his voice rough, ragged, vibrating against your skin. His head falls forward, his forehead resting against the nape of your neck, breath hot and uneven. “You’re so—shit, you’re so tight.”
You arch beneath him, back bowing, body tightening around him in response, overwhelmed by the stretch, the fullness of him inside you. It’s almost too much, the way he splits you apart, the way he holds you still, like he’s savoring the feeling, savoring you.
Your hands fist in the sheets, knuckles white as you try to ground yourself, try to keep from losing yourself completely.
He must sense it, the way your body trembles, because his grip softens, fingers splaying over your stomach as he kisses your shoulder, slow and tender.
“Breathe, baby,” he murmurs, voice strained but gentle. He noses along your skin, pressing his lips to the curve where your neck meets your shoulder. “I’ve got you.”
His free hand finds yours, threading his fingers through yours against the mattress, grounding you, anchoring you to him.
He stays there for a moment, letting you adjust, letting you feel every inch of him before he moves.
And then—
Then he ruins you.
The first thrust is slow, deliberate, pushing deep, making your breath hitch, making your fingers tighten around his.
Then another. And another. Each movement calculated, precise, dragging against every nerve ending inside you, pulling you closer to the edge with every roll of his hips.
His rhythm starts slow, deep—like he’s savoring the feeling of being buried inside you. Like he wants to take his time, to make you feel him, make you remember this.
But it doesn’t last.
The control snaps, his patience evaporating like steam off your overheated skin.
He growls, the sound primal, desperate, as his hands shift—one gripping your hip, the other pressing against the small of your back, keeping you in place as he pounds into you.
The bed shakes beneath you, every thrust sending ripples through your body, pleasure licking up your spine like fire.
“Fuck, you feel so good,” he groans against your mouth, his forehead pressing to yours, lips brushing but never quite kissing, too lost in the moment, too consumed by the way your body wraps around him.
You can barely breathe, barely think, all logic drowned out by the feeling of him inside you, stretching you, filling you, wrecking you.
You meet every thrust, grinding back against him, chasing your high, needing, aching—
He notices, because of course he does.
“Yeah?” he pants, voice rough, strained. “You want it, baby? Want me to fuck you like this?”
You nod frantically, gasping, moaning his name, nails digging into his forearm, marking him, branding him.
He growls at the sting, his hand tightening on your hip, holding you still as he drives into you, faster, harder, the sound of skin meeting skin echoing through the dimly lit room.
And then—
Then he shifts, pulling out just enough before slamming back in at a new angle, hitting deeper, stroking against that one spot that makes you see stars.
You cry out, arching, body tightening around him, pleasure slamming into you like a tidal wave.
His hand moves from your hip to your thigh, gripping, hitching it up, opening you wider, letting him sink in even deeper, making you feel every inch of him.
“That’s it,” he pants, lips brushing against your temple, damp with sweat. “That’s it, baby. Let go for me.”
His hand slides between your bodies, fingers finding your clit, rubbing in tight, desperate circles.
It’s too much. The pressure, the stretch, the overwhelming intensity of it all.
Your body locks up, toes curling, back arching as your orgasm hits, crashing over you in violent, shattering waves.
You tremble beneath him, gasping his name, clenching around him so tight that he lets out a broken moan, his movements stuttering, losing rhythm.
“Fuck, fuck—”
And then he’s gone, head tilting back, mouth falling open as he lets go, spilling into you with a guttural groan, his entire body tensing before he collapses on top of you.
The only sound in the room is your combined panting, heavy and uneven, the sheets tangled beneath you, bodies still pressed together, skin damp with sweat.
His lips ghost over your shoulder, pressing one last, lingering kiss there before he whispers, voice hoarse and spent—
“Mine.”
The word settles between you like a slow-burning flame, flickering, catching, spreading.
His breath is still uneven, chest rising and falling against yours, his weight a comforting anchor rather than something pressing you down. His arms stay locked around you, like he doesn’t want to let go, doesn’t plan to.
And for the first time, you don’t want him to.
You don’t move. You can’t move.
His fingers start tracing slow, lazy patterns along your spine, light and absentminded, like he’s memorizing the shape of you.
His touch isn’t just post-bliss reflex. It’s deliberate.
It’s different.
And you feel it.
You feel it in the way his body stays molded against yours, in the way his lips linger at your temple instead of pulling away, in the way he wants to stay close—like he’s afraid that if he lets go, you’ll disappear.
This was supposed to be an arrangement. A job. A transaction.
But the way he’s looking at you now?
It’s anything but.
You shift slightly beneath him, just enough to see his face, to meet those green eyes that are softer than they should be, searching yours, waiting.
And he knows.
Of course, he knows.
Harry’s always been able to read you better than you’d like.
His fingers drift up to your cheek, thumb brushing against the curve of your jaw, his touch gentle—so unfairly gentle for someone who just ruined you minutes ago.
You should get up.
You should remind him of the rules, of the terms, of the fact that this was never supposed to mean anything.
But the words won’t come.
Because the truth is—
You don’t want to leave.
You don’t want to pull away.
And that realization knocks the breath out of you faster than anything else ever could.
Harry’s eyes flicker down to your lips, back up to your eyes, something vulnerable creeping into his expression before he speaks.
"Tell me you feel it too."
His voice is low, careful, but there’s an edge of uncertainty underneath. Like he’s terrified of your answer.
Like he needs it.
You open your mouth, hesitate—because this is the moment. The moment where everything changes. The moment where you either run, or you jump.
And you jump.
You don’t answer him with words. You don’t have to.
Instead, you reach up, threading your fingers into his hair, pulling him down.
And you kiss him.
Not because you’re supposed to. Not because it’s part of the act.
But because you want to.
Because you don’t want this to be about the money anymore.
Because it isn’t.
Not anymore.
☆ ★ ✮ ★ ☆
Thank you so much for reading! I appreciate any support so remember to comment, reblog, & like ❤️‍🔥
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loanmani · 2 years ago
Text
Loans – Meaning, How They Work, Types, and Features-loanmani.com
Loans are financial transactions where one party, typically a lender such as a bank or financial institution, provides a certain amount of money to another party, known as the borrower. The borrower agrees to repay the loan amount, along with any applicable interest or fees, over a specified period of time.
Here's a breakdown of how loans generally work:
1. Application: The borrower submits a loan application to the lender, providing necessary information such as personal details, income, credit history, and the purpose of the loan.
2. Evaluation: The lender evaluates the borrower's creditworthiness by reviewing the application, checking credit scores, assessing income stability, and verifying other relevant factors. This helps them determine the borrower's ability to repay the loan.
3. Approval and Terms: If the lender approves the loan, they provide the borrower with an offer that includes the loan amount, interest rate, repayment term, and any applicable fees. The terms may vary depending on the type of loan and the borrower's creditworthiness.
4. Disbursement: Once the borrower accepts the loan offer, the lender disburses the funds. This can be in the form of a lump sum payment or a line of credit.
5. Repayment: The borrower is responsible for repaying the loan according to the agreed-upon terms. This typically involves making regular installment payments, which include both principal and interest, until the loan is fully repaid.
Types of Loans:
1. Personal Loans: These loans are usually unsecured and can be used for various purposes, such as debt consolidation, home improvements, or medical expenses.
2. Mortgage Loans: These loans are used to finance the purchase of a property. They are secured by the property itself, which serves as collateral.
3. Auto Loans: These loans are used to purchase a vehicle. The vehicle serves as collateral, and failure to repay the loan may result in repossession.
4. Student Loans: Designed for educational expenses, these loans may have lower interest rates and flexible repayment options. They can be issued by the government or private lenders.
5. Business Loans: Intended for business purposes, these loans help finance operations, expansion, equipment purchase, or working capital. They can be secured or unsecured, depending on the lender's requirements.
Loan Features:
1. Interest Rate: Lenders charge interest on loans, which is a percentage of the loan amount. It represents the cost of borrowing and varies based on factors like creditworthiness, loan type, and market conditions.
2. Repayment Term: This refers to the period within which the borrower must repay the loan. It can range from a few months to several years, depending on the loan type.
3. Collateral: Some loans, like mortgages or auto loans, require collateral. Collateral serves as security for the lender in case the borrower defaults. If the borrower fails to repay the loan, the lender can seize the collateral.
4. Fees: Lenders may charge various fees, such as origination fees, application fees, or prepayment penalties. These fees can impact the overall cost of the loan.
5. Credit Requirements: Lenders assess the borrower's creditworthiness to determine eligibility and loan terms. A higher credit score and a good credit history can result in more favorable terms.
It's important to note that loan terms and features can vary between lenders and countries. Therefore, it's advisable to carefully review and compare offers from different lenders before committing to a loan. Additionally, borrowers should ensure they can comfortably manage the repayment obligations before taking on a loan.
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