Interest rates of their loans are fixed rate. If interest rates increases, OMH loans quickly becomes worthless.
Customers might not have money to pay interest, further halting cash flow. Customers is a demographic especially exposed to the economical consequences of covid-19.
Large amounts of the debt is non collaterized. And the part there is might quickly depreciate in value as a fire sale will most likely happen, and consumer buying power will be at an all time low.
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