A company whose principal business activity is granting of small or smallish unsecured consumer credits with a typical original maturity, or repayment term, of less than three months. These loans are typically paid back in one or just a couple of instalments. In addition, the loans generally carry no actual nominal rate of interest, but all their costs usually arise from other expenses, such as handling and processing fees, and service and SMS charges. The services of a small loan company can typically be ordered by SMS or via the Internet, whereby the loan is at the client's disposal very quickly.