MetroBank made loans to ten small companies, in amounts ranging from $1, 000 to $100, 000  These ten loans all had graduated payment plans, i  e  , the scheduled monthly loan payment increased slightly each month over the five-year term of the loan
Nonetheless, the average payment received by MetroBank for these ten loans had decreased by the end of the five-year term
Most banks offer a greater number of loans for under $100, 000 than for over $100, 000.