Free blogs don't make you look legit. See these previous attempts.

https://forums.eveonline.com/default.aspx?g=posts&m=3553459
https://forums.eveonline.com/default.aspx?g=posts&m=3612683
https://forums.eveonline.com/default.aspx?g=posts&m=4138807

So, if I can follow this correctly, you're paying 8.25% monthly (2%/w compounded) for the right to loan out 75% of the investment. That amounts to 11% monthly interest payments on the isk you're loaning out just to break even on the interest payments on deposits. Now obviously you'll be wanting to take a cut for your time and trouble so let's say you need 15% monthly interest on the isk you loan to break even after labour.

So, how can you get 15%/m interest on loans, well, the basic rate for MD collateralised loans is 2%/m so you're looking at uncollateralised loans only. After all, if they have collateral they're not going to want to use your service at 15% when they can use someone else at 2%. Uncollateralised loans come with a fairly high default rate because you have literally no way of compelling them to return the isk, let's assume 50%. This means that your breakeven interest rate on loans now has to be about 30% to cover the interest payments on deposits, assuming a higher interest rate doesn't change the default rate.

Could you please expand upon your business plan?

Well since the money is used to manufacture and trade by ourselves in the first stages of the bank we can easily turn it into a 10% profit per week (just counting the cash flow, without anything left behind in stocks). Our friends will indeed have an uncollaterized debt to us, which can be compensated for by the fact that we know them very well in real life. Our main business plan is to try to attract people that have money that cannot be directly invested in their trade or manufacturing and thus is "frozen" in their wallet (since the interest we offer isn't enough of course compared to the money you could gain from these activities yourself). As for the actual loan interest that we receive from our friends, it will still be at least 10% per month with weekly payments not to freeze up the cash flow from our bank. This way we can make a slight profit in combination with the small service tax for withdrawals.

I hope that this sort of answers your question. We realize that starting a bank (a business based on trust) is very hard in the EVE universe where trust is hard to come by, but we hope through a decent and flexible withdrawal service people would consider over time. :)

Well since the money is used to manufacture and trade by ourselves in the first stages of the bank we can easily turn it into a 10% profit per week (just counting the cash flow, without anything left behind in stocks). Our friends will indeed have an uncollaterized debt to us, which can be compensated for by the fact that we know them very well in real life. Our main business plan is to try to attract people that have money that cannot be directly invested in their trade or manufacturing and thus is "frozen" in their wallet (since the interest we offer isn't enough of course compared to the money you could gain from these activities yourself). As for the actual loan interest that we receive from our friends, it will still be at least 10% per month with weekly payments not to freeze up the cash flow from our bank. This way we can make a slight profit in combination with the small service tax for withdrawals.

I hope that this sort of answers your question. We realize that starting a bank (a business based on trust) is very hard in the EVE universe where trust is hard to come by, but we hope through a decent and flexible withdrawal service people would consider over time. :)

Right. Perhaps I should learn to read the op properly, but in my defence I haven't slept in 48h.
At any rate, tacking a service tax on what is essentially an uncollateralised loan is a huge turn off.

Good luck to you. It would be nice if a respected bank actually took off in Eve.

Sorry, I'm still confused. If you're only making loans to one specific operation which is run by people you know IRL then in what sense is this a bank? You're suggesting we make uncollateralised loans to you so you can in turn make uncollateralised loans to them, wouldn't it be simpler if they just presented their business model here and asked for loans to expand their operations? That way we can see what we're buying into without having to trust a 3rd party (you) with all the isk uncollateralised. This is a bond offering.

I think it's far more likely you'll get investors if you can show people what they're buying into rather than having them give money to a "bank" that multiplies it using a mechanism that is kept out of sight.

Thank you for the advice and the constructive criticism. But operating a bank for us is far more than just profits and investments. It's also a way of how we would like to play our game. We would really like to try and build up a trusted service like this.

Thank you very much. It will be a long way to go because of the bad history but we're confident that trust will grow over time.

Hey, I also have a bank. All my employees are trustworthy, because I know them in real life, and because I kidnapped their families. Send me all your isk, because I'll make them grow. I'll your money in some corps I know that ALWAYS need more money, and always pay their interests. Also, Obama officially approves of my bank, and so does Putin.