{"id":191,"date":"2026-09-03T12:01:23","date_gmt":"2026-09-03T12:01:23","guid":{"rendered":"https:\/\/credits.ocslive.com\/?page_id=191"},"modified":"2026-09-03T12:11:25","modified_gmt":"2026-09-03T12:11:25","slug":"how-it-works","status":"publish","type":"page","link":"https:\/\/credits.ocslive.com\/mk\/how-it-works\/","title":{"rendered":"How it works"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"191\" class=\"elementor elementor-191\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-602330c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"602330c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e81e8c5\" data-id=\"e81e8c5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-219aae0 elementor-widget elementor-widget-html\" data-id=\"219aae0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- Paste this entire block into an Elementor HTML widget on the How It Works page. -->\r\n<style>\r\n  @import url('https:\/\/fonts.googleapis.com\/css2?family=Manrope:wght@200..800&display=swap');\r\n\r\n  .nk-site{\r\n    --ink:#122630;\r\n    --ink-soft:#2A3B40;\r\n    --paper:#FFFFFF;\r\n    --paper-card:#FFFFFF;\r\n    --pine:#026642;\r\n    --pine-deep:#013D28;\r\n    --pine-mid:#038552;\r\n    --brass:#038552;\r\n    --brass-strong:#026642;\r\n    --line:rgba(2,102,66,0.14);\r\n    --line-strong:rgba(2,102,66,0.26);\r\n    --shadow:0 1px 2px rgba(1,61,40,0.06),0 12px 28px -14px rgba(1,61,40,0.22);\r\n    --radius:8px;\r\n    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.hiw-hero-visual{position:absolute;left:50%;bottom:clamp(16px,3vw,36px);transform:translateX(-50%);width:min(64%,620px);aspect-ratio:620\/600;}\r\n  .nk-site .hiw-hero-phone{position:absolute;left:50%;top:50%;width:54%;z-index:2;transform:translate(-50%,-50%) translateX(-24%) translateY(28px);}\r\n  .nk-site .hiw-hero-card{position:absolute;left:50%;top:50%;width:46%;z-index:1;transform:translate(-50%,-50%) translateX(42%) rotate(3deg);}\r\n  .nk-site .hiw-hero-phone img,.nk-site .hiw-hero-card img{width:100%;display:block;filter:drop-shadow(0 26px 34px rgba(1,61,40,.28));}\r\n  .nk-site .hiw-hero h1{max-width:none;white-space:nowrap;margin-inline:auto;}\r\n  .nk-site .hiw-hero .hero-sub{margin-inline:auto;}\r\n  .nk-site .hiw-final-cta{display:flex;margin:28px auto 0;width:fit-content;}\r\n\r\n  .nk-site .value-grid,\r\n  .nk-site .section-alt{padding-block:clamp(56px,7vw,88px);}\r\n  .nk-site .section-alt{background:var(--paper-card);border-block:1px solid var(--line);}\r\n  .nk-site 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.match-flow-sticky .container{width:100%;}\r\n  .nk-site .match-flow-bg{position:absolute;inset:0;z-index:0;}\r\n  .nk-site .match-flow-bg img{width:100%;height:100%;object-fit:cover;}\r\n  .nk-site .match-flow .container{position:relative;z-index:1;}\r\n  .nk-site .match-flow .section-head{max-width:640px;margin-bottom:40px;}\r\n  .nk-site .match-flow .section-head h2{color:#fff;text-shadow:0 2px 16px rgba(0,0,0,.35),0 1px 4px rgba(0,0,0,.25);font-size:clamp(26px,3vw,36px);}\r\n  .nk-site .match-flow-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,460px);gap:64px;align-items:center;}\r\n  .nk-site .match-flow-text{display:grid;}\r\n  .nk-site .match-flow-card{grid-area:1\/1;align-self:start;max-width:26em;border-radius:2em;background:linear-gradient(160deg,rgba(255,255,255,.75),rgba(255,255,255,.35));backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);padding:2em;opacity:0;visibility:hidden;}\r\n  .nk-site .match-flow-card:first-child{opacity:1;visibility:visible;}\r\n  .nk-site .match-flow-card h3{font-size:26px;font-weight:800;margin:0 0 12px;color:#3a3a3a;line-height:1.2;}\r\n  .nk-site .match-flow-card p{font-size:15px;line-height:1.6;color:#504c4c;}\r\n  .nk-site .match-flow-diagram{position:relative;}\r\n  .nk-site .flow-badge-wrap{position:relative;display:flex;margin:0 0 40px;}\r\n  .nk-site .flow-badge{display:inline-flex;align-items:center;gap:12px;background:#fff;color:#1a1a1a;border-radius:999px;padding:8px 24px 8px 8px;font-weight:800;font-size:15px;box-shadow:0 12px 28px -10px rgba(0,0,0,.25);opacity:0;}\r\n  .nk-site .flow-badge img{width:22px;height:22px;flex-shrink:0;object-fit:contain;padding:7px;box-sizing:content-box;border-radius:20%;background:#DCF3E4;}\r\n  .nk-site .flow-hub-line{position:absolute;left:19px;top:100%;width:2px;height:72px;overflow:visible;z-index:0;}\r\n  .nk-site .flow-hub-line line{stroke:rgba(255,255,255,.85);stroke-width:3;}\r\n  .nk-site .flow-rows{list-style:none;margin:0;padding:0 0 0 54px;display:flex;flex-direction:column;gap:20px;}\r\n  .nk-site .flow-row{position:relative;display:flex;align-items:center;gap:12px;background:#fff;border-radius:999px;padding:8px 26px 8px 8px;box-shadow:0 12px 28px -12px rgba(0,0,0,.22);}\r\n  .nk-site .flow-row-line{position:absolute;left:-34px;top:50%;width:2px;height:84px;overflow:visible;z-index:0;}\r\n  .nk-site .flow-row-line line{stroke:rgba(255,255,255,.85);stroke-width:3;}\r\n  .nk-site .flow-row-icon{position:relative;z-index:1;flex-shrink:0;width:48px;height:48px;border-radius:22%;background:#DCEBFA;display:flex;align-items:center;justify-content:center;opacity:0;}\r\n  .nk-site .flow-row-icon img{width:22px;height:22px;object-fit:contain;}\r\n  .nk-site .flow-row-label{flex:1;font-size:15px;font-weight:800;color:#1a1a1a;opacity:0;white-space:nowrap;}\r\n  .nk-site .flow-row-pct{position:absolute;left:-54px;top:50%;transform:translateY(-50%);flex-shrink:0;width:40px;height:40px;background:#fff;border:1px solid #e4e4e4;color:#5a5a5a;font-size:11px;font-weight:800;border-radius:999px;display:flex;align-items:center;justify-content:center;opacity:0;}\r\n  .nk-site .flow-row:nth-child(1) .flow-row-icon{background:#DCF3E4;}\r\n  .nk-site .flow-row:nth-child(2) .flow-row-icon{background:#DCEBFA;}\r\n  .nk-site .flow-row:nth-child(3) .flow-row-icon{background:#E4E9FC;}\r\n  .nk-site .flow-row:nth-child(4) .flow-row-icon{background:#FCEED4;}\r\n\r\n  .nk-site [data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .6s cubic-bezier(.2,.7,.2,1),transform .6s cubic-bezier(.2,.7,.2,1);}\r\n  .nk-site [data-reveal].is-revealed{opacity:1;transform:translateY(0);}\r\n  .nk-site .flow-row.is-revealed .flow-row-icon,\r\n  .nk-site .flow-row.is-revealed .flow-row-label,\r\n  .nk-site .flow-row.is-revealed .flow-row-pct,\r\n  .nk-site .flow-badge-wrap.is-revealed .flow-badge{opacity:1;transform:none;}\r\n  .nk-site .match-flow-text.is-revealed .match-flow-card{opacity:1;visibility:visible;}\r\n\r\n  .nk-site .ready-section{text-align:center;}\r\n  .nk-site .ready-section h2{font-size:clamp(26px,3vw,36px);}\r\n  .nk-site .ready-section p{margin-top:12px;color:var(--ink-soft);font-size:16px;}\r\n\r\n  @media (max-width:1600px){\r\n    .nk-site .hiw-hero{height:clamp(420px,110vw,900px);min-height:420px;}\r\n  }\r\n  @media (max-width:860px){\r\n    .nk-site .value-grid-row,\r\n    .nk-site .steps,\r\n    .nk-site .match-flow-grid{grid-template-columns:1fr;}\r\n    .nk-site .flow-row-label{white-space:normal;}\r\n    .nk-site .match-flow-pin-wrap{height:auto;}\r\n    .nk-site .match-flow-sticky{position:relative;height:auto;min-height:760px;padding-block:72px;}\r\n  }\r\n  @media (max-width:600px){\r\n    .nk-site .hiw-hero h1{white-space:normal;font-size:clamp(20px,5vw,28px);}\r\n    .nk-site .hiw-hero-visual{width:min(92%,520px);}\r\n    .nk-site .flow-rows{padding-left:38px;}\r\n    .nk-site .flow-row{padding-right:16px;}\r\n    .nk-site .flow-row-pct{left:-42px;width:34px;height:34px;font-size:10px;}\r\n    .nk-site .flow-row-line{left:-24px;}\r\n  }\r\n  @media (prefers-reduced-motion:reduce){\r\n    .nk-site [data-reveal],\r\n    .nk-site .flow-row-icon,\r\n    .nk-site .flow-row-label,\r\n    .nk-site .flow-row-pct{opacity:1!important;transform:none!important;}\r\n  }\r\n<\/style>\r\n\r\n<div class=\"nk-site\" id=\"nk-how-it-works-widget\">\r\n  <section class=\"page-header hiw-hero\">\r\n    <div class=\"hiw-hero-bg\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/sky-bg.avif\" alt=\"\" loading=\"eager\"><\/div>\r\n    <div class=\"container\">\r\n      <div class=\"hiw-hero-content\">\r\n        <p class=\"breadcrumb\"><a href=\"\/\"><span class=\"lang-en\">Home<\/span><span class=\"lang-mk\">\u041f\u043e\u0447\u0435\u0442\u043d\u0430<\/span><\/a><span class=\"sep\">\/<\/span><span class=\"lang-en\">How it works<\/span><span class=\"lang-mk\">\u041a\u0430\u043a\u043e \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0438\u0440\u0430<\/span><\/p>\r\n        <h1><span class=\"lang-en\">Tell us what you need. We'll find the right match.<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430. \u041d\u0438\u0435 \u045c\u0435 \u0433\u043e \u043d\u0430\u0458\u0434\u0435\u043c\u0435 \u0432\u0438\u0441\u0442\u0438\u043d\u0441\u043a\u043e\u0442\u043e \u0441\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435.<\/span><\/h1>\r\n        <p class=\"hero-sub\"><span class=\"lang-en\">No browsing dozens of offers yourself &mdash; our team checks licensed partners on your behalf and reaches out with a match, free and with no obligation.<\/span><span class=\"lang-mk\">\u041d\u0435 \u043c\u043e\u0440\u0430\u0448 \u0441\u0430\u043c \u0434\u0430 \u043f\u0440\u0435\u0433\u043b\u0435\u0434\u0443\u0432\u0430\u0448 \u0434\u0435\u0441\u0435\u0442\u0438\u043d\u0430 \u043f\u043e\u043d\u0443\u0434\u0438 &mdash; \u043d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u0443\u0432\u0430 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0432\u043e \u0442\u0432\u043e\u0435 \u0438\u043c\u0435 \u0438 \u0442\u0435 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d \u043f\u0430\u0440\u0442\u043d\u0435\u0440, \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0438 \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430.<\/span><\/p>\r\n      <\/div>\r\n      <div class=\"hiw-hero-visual\">\r\n        <div class=\"hiw-hero-phone\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/apply-hero-phone.avif\" alt=\"\"><\/div>\r\n        <div class=\"hiw-hero-card\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/apply-hero-card.avif\" alt=\"\"><\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <section class=\"value-grid\">\r\n    <div class=\"container\">\r\n      <div class=\"section-head\">\r\n        <h2><span class=\"lang-en\">Compare smart, apply safely, get matched fast.<\/span><span class=\"lang-mk\">\u0421\u043f\u043e\u0440\u0435\u0434\u0438 \u043f\u0430\u043c\u0435\u0442\u043d\u043e, \u0430\u043f\u043b\u0438\u0446\u0438\u0440\u0430\u0458 \u0431\u0435\u0437\u0431\u0435\u0434\u043d\u043e, \u0431\u0438\u0434\u0438 \u043f\u043e\u0432\u0440\u0437\u0430\u043d \u0431\u0440\u0437\u043e.<\/span><\/h2>\r\n      <\/div>\r\n      <div class=\"value-grid-row\" data-bounce-wrap>\r\n        <div class=\"value-card\" data-bounce-el>\r\n          <div class=\"value-card-num\">0<span class=\"unit lang-en\">MKD<\/span><span class=\"unit lang-mk\">\u041c\u041a\u0414<\/span><\/div>\r\n          <p class=\"value-card-label\"><span class=\"lang-en\">Broker fee<\/span><span class=\"lang-mk\">\u041f\u0440\u043e\u0432\u0438\u0437\u0438\u0458\u0430 \u0437\u0430 \u043f\u043e\u0441\u0440\u0435\u0434\u0443\u0432\u0430\u045a\u0435<\/span><\/p>\r\n          <p class=\"value-card-sub\"><span class=\"lang-en\">Our matching service is completely free &mdash; partners cover the cost, not you.<\/span><span class=\"lang-mk\">\u041d\u0430\u0448\u0430\u0442\u0430 \u0443\u0441\u043b\u0443\u0433\u0430 \u0437\u0430 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430\u045a\u0435 \u0435 \u0446\u0435\u043b\u043e\u0441\u043d\u043e \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u0430 &mdash; \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438\u0442\u0435 \u0433\u043e \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0430\u0442 \u0442\u0440\u043e\u0448\u043e\u043a\u043e\u0442, \u043d\u0435 \u0442\u0438.<\/span><\/p>\r\n        <\/div>\r\n        <div class=\"value-card value-card--accent\" data-bounce-el>\r\n          <div class=\"value-card-num\">24<span class=\"unit lang-en\">h<\/span><span class=\"unit lang-mk\">\u0447<\/span><\/div>\r\n          <p class=\"value-card-label\"><span class=\"lang-en\">Typical response time<\/span><span class=\"lang-mk\">\u041f\u0440\u043e\u0441\u0435\u0447\u043d\u043e \u0432\u0440\u0435\u043c\u0435 \u0437\u0430 \u043e\u0434\u0433\u043e\u0432\u043e\u0440<\/span><\/p>\r\n          <p class=\"value-card-sub\"><span class=\"lang-en\">Most requests get a reply from a matched partner within one business day.<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0435\u045c\u0435\u0442\u043e \u0431\u0430\u0440\u0430\u045a\u0430 \u0434\u043e\u0431\u0438\u0432\u0430\u0430\u0442 \u043e\u0434\u0433\u043e\u0432\u043e\u0440 \u043e\u0434 \u043f\u043e\u0432\u0440\u0437\u0430\u043d\u0438\u043e\u0442 \u043f\u0430\u0440\u0442\u043d\u0435\u0440 \u0432\u043e \u0440\u043e\u043a \u043e\u0434 \u0435\u0434\u0435\u043d \u0440\u0430\u0431\u043e\u0442\u0435\u043d \u0434\u0435\u043d.<\/span><\/p>\r\n        <\/div>\r\n        <div class=\"value-card value-card--icon\" data-bounce-el>\r\n          <span class=\"value-card-icon\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 3l7 3v5c0 4.5-3 8-7 10-4-2-7-5.5-7-10V6l7-3z\"\/><path d=\"M9 12l2 2 4-4\"\/><\/svg><\/span>\r\n          <p class=\"value-card-label\"><span class=\"lang-en\">No spam, no pressure.<\/span><span class=\"lang-mk\">\u0411\u0435\u0437 \u0441\u043f\u0430\u043c, \u0431\u0435\u0437 \u043f\u0440\u0438\u0442\u0438\u0441\u043e\u043a.<\/span><\/p>\r\n          <p class=\"value-card-sub\"><span class=\"lang-en\">You choose whether to continue with a match &mdash; no obligation, ever.<\/span><span class=\"lang-mk\">\u0422\u0438 \u043e\u0434\u043b\u0443\u0447\u0443\u0432\u0430\u0448 \u0434\u0430\u043b\u0438 \u0434\u0430 \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0438\u0448 \u0441\u043e \u043f\u043e\u043d\u0443\u0434\u0430\u0442\u0430 &mdash; \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430, \u043d\u0438\u043a\u043e\u0433\u0430\u0448.<\/span><\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <section class=\"section-alt\">\r\n    <div class=\"container\">\r\n      <div class=\"section-head\">\r\n        <h2><span class=\"lang-en\">Three steps<\/span><span class=\"lang-mk\">\u0422\u0440\u0438 \u0447\u0435\u043a\u043e\u0440\u0438<\/span><\/h2>\r\n      <\/div>\r\n      <div class=\"steps\" data-bounce-wrap>\r\n        <div class=\"step\" data-bounce-el>\r\n          <span class=\"step-num tabular\">01<\/span>\r\n          <h3><span class=\"lang-en\">Tell us what you need<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430<\/span><\/h3>\r\n          <p><span class=\"lang-en\">Share a few details about the loan you're looking for &mdash; it takes about a minute.<\/span><span class=\"lang-mk\">\u0421\u043f\u043e\u0434\u0435\u043b\u0438 \u043d\u0435\u043a\u043e\u043b\u043a\u0443 \u0434\u0435\u0442\u0430\u043b\u0438 \u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0442 \u0448\u0442\u043e \u0433\u043e \u0431\u0430\u0440\u0430\u0448 &mdash; \u0442\u0440\u0430\u0435 \u043e\u043a\u043e\u043b\u0443 \u0435\u0434\u043d\u0430 \u043c\u0438\u043d\u0443\u0442\u0430.<\/span><\/p>\r\n        <\/div>\r\n        <div class=\"step\" data-bounce-el>\r\n          <span class=\"step-num tabular\">02<\/span>\r\n          <h3><span class=\"lang-en\">We review licensed partners for you<\/span><span class=\"lang-mk\">\u041d\u0438\u0435 \u0433\u0438 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430\u043c\u0435 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0437\u0430 \u0442\u0435\u0431\u0435<\/span><\/h3>\r\n          <p><span class=\"lang-en\">Our team checks licensed lenders on your behalf, based on what you told us.<\/span><span class=\"lang-mk\">\u041d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u0443\u0432\u0430 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0438 \u0432\u043e \u0442\u0432\u043e\u0435 \u0438\u043c\u0435, \u0432\u0440\u0437 \u043e\u0441\u043d\u043e\u0432\u0430 \u043d\u0430 \u043e\u043d\u0430 \u0448\u0442\u043e \u043d\u0438 \u0433\u043e \u043a\u0430\u0436\u0430.<\/span><\/p>\r\n        <\/div>\r\n        <div class=\"step\" data-bounce-el>\r\n          <span class=\"step-num tabular\">03<\/span>\r\n          <h3><span class=\"lang-en\">You get contacted with a match<\/span><span class=\"lang-mk\">\u0414\u043e\u0431\u0438\u0432\u0430\u0448 \u043f\u043e\u0432\u0438\u043a \u043e\u0434 \u043f\u0430\u0440\u0442\u043d\u0435\u0440<\/span><\/h3>\r\n          <p><span class=\"lang-en\">We reach out with the licensed partner that fits &mdash; you decide whether to go ahead, directly with them.<\/span><span class=\"lang-mk\">\u0422\u0435 \u043a\u043e\u043d\u0442\u0430\u043a\u0442\u0438\u0440\u0430\u043c\u0435 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u043e\u0442 \u043f\u0430\u0440\u0442\u043d\u0435\u0440 \u0448\u0442\u043e \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430 &mdash; \u0442\u0438 \u043e\u0434\u043b\u0443\u0447\u0443\u0432\u0430\u0448 \u0434\u0430\u043b\u0438 \u0434\u0430 \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0438\u0448, \u0434\u0438\u0440\u0435\u043a\u0442\u043d\u043e \u0441\u043e \u043d\u0438\u0432.<\/span><\/p>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <section class=\"match-flow\">\r\n    <div class=\"match-flow-pin-wrap\">\r\n      <div class=\"match-flow-sticky\">\r\n        <div class=\"match-flow-bg\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/sky-bg.avif\" alt=\"\" loading=\"lazy\"><\/div>\r\n        <div class=\"container\">\r\n          <div class=\"section-head\">\r\n            <h2><span class=\"lang-en\">How your request gets matched<\/span><span class=\"lang-mk\">\u041a\u0430\u043a\u043e \u0442\u0432\u043e\u0435\u0442\u043e \u0431\u0430\u0440\u0430\u045a\u0435 \u0441\u0435 \u043f\u043e\u0432\u0440\u0437\u0443\u0432\u0430<\/span><\/h2>\r\n          <\/div>\r\n          <div class=\"match-flow-grid\">\r\n            <div class=\"match-flow-text\">\r\n              <div class=\"match-flow-card\">\r\n                <h3><span class=\"lang-en\">Tell us what you need<\/span><span class=\"lang-mk\">\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430<\/span><\/h3>\r\n                <p><span class=\"lang-en\">Share a few details about the loan you're looking for &mdash; it takes about a minute. No documents, no commitment yet.<\/span><span class=\"lang-mk\">\u0421\u043f\u043e\u0434\u0435\u043b\u0438 \u043d\u0435\u043a\u043e\u043b\u043a\u0443 \u0434\u0435\u0442\u0430\u043b\u0438 \u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0442 \u0448\u0442\u043e \u0433\u043e \u0431\u0430\u0440\u0430\u0448 &mdash; \u0442\u0440\u0430\u0435 \u043e\u043a\u043e\u043b\u0443 \u0435\u0434\u043d\u0430 \u043c\u0438\u043d\u0443\u0442\u0430. \u0411\u0435\u0437 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0438, \u0431\u0435\u0437 \u043e\u0431\u0432\u0440\u0441\u043a\u0430 \u0437\u0430\u0441\u0435\u0433\u0430.<\/span><\/p>\r\n              <\/div>\r\n              <div class=\"match-flow-card\">\r\n                <h3><span class=\"lang-en\">We check the market for you<\/span><span class=\"lang-mk\">\u041d\u0438\u0435 \u0433\u043e \u043f\u0440\u043e\u0432\u0435\u0440\u0443\u0432\u0430\u043c\u0435 \u043f\u0430\u0437\u0430\u0440\u043e\u0442 \u0437\u0430 \u0442\u0435\u0431\u0435<\/span><\/h3>\r\n                <p><span class=\"lang-en\">Our team reviews licensed partners on your behalf and lines up the ones that fit, before you talk to anyone.<\/span><span class=\"lang-mk\">\u041d\u0430\u0448\u0438\u043e\u0442 \u0442\u0438\u043c \u0433\u0438 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430 \u043b\u0438\u0446\u0435\u043d\u0446\u0438\u0440\u0430\u043d\u0438\u0442\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0438 \u0432\u043e \u0442\u0432\u043e\u0435 \u0438\u043c\u0435 \u0438 \u0433\u0438 \u043f\u043e\u0434\u0433\u043e\u0442\u0432\u0443\u0432\u0430 \u043e\u043d\u0438\u0435 \u0448\u0442\u043e \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430\u0430\u0442, \u043f\u0440\u0435\u0434 \u0434\u0430 \u0440\u0430\u0437\u0433\u043e\u0432\u0430\u0440\u0430\u0448 \u0441\u043e \u0431\u0438\u043b\u043e \u043a\u043e\u0433\u043e.<\/span><\/p>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"match-flow-diagram\">\r\n              <div class=\"flow-badge-wrap\">\r\n                <span class=\"flow-badge\">\r\n                  <img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/bill-green.svg\" alt=\"\">\r\n                  <span class=\"lang-en\">Your request<\/span><span class=\"lang-mk\">\u0422\u0432\u043e\u0435\u0442\u043e \u0431\u0430\u0440\u0430\u045a\u0435<\/span>\r\n                <\/span>\r\n                <svg class=\"flow-hub-line\" viewBox=\"0 0 2 14\" preserveAspectRatio=\"none\"><line x1=\"1\" y1=\"0\" x2=\"1\" y2=\"14\"><\/line><\/svg>\r\n              <\/div>\r\n              <ul class=\"flow-rows\">\r\n                <li class=\"flow-row\"><svg class=\"flow-row-line\" viewBox=\"0 0 2 14\" preserveAspectRatio=\"none\"><line x1=\"1\" y1=\"0\" x2=\"1\" y2=\"14\"><\/line><\/svg>\r\n                  <span class=\"flow-row-icon\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/dollar-green.svg\" alt=\"\"><\/span>\r\n                  <span class=\"flow-row-label\"><span class=\"lang-en\">Interest rate fit<\/span><span class=\"lang-mk\">\u0421\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435 \u043d\u0430 \u043a\u0430\u043c\u0430\u0442\u043d\u0430 \u0441\u0442\u0430\u043f\u043a\u0430<\/span><\/span>\r\n                  <span class=\"flow-row-pct\">40%<\/span>\r\n                <\/li>\r\n                <li class=\"flow-row\"><svg class=\"flow-row-line\" viewBox=\"0 0 2 14\" preserveAspectRatio=\"none\"><line x1=\"1\" y1=\"0\" x2=\"1\" y2=\"14\"><\/line><\/svg>\r\n                  <span class=\"flow-row-icon\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/coin-2.svg\" alt=\"\"><\/span>\r\n                  <span class=\"flow-row-label\"><span class=\"lang-en\">Approval speed<\/span><span class=\"lang-mk\">\u0411\u0440\u0437\u0438\u043d\u0430 \u043d\u0430 \u043e\u0434\u043e\u0431\u0440\u0443\u0432\u0430\u045a\u0435<\/span><\/span>\r\n                  <span class=\"flow-row-pct\">25%<\/span>\r\n                <\/li>\r\n                <li class=\"flow-row\"><svg class=\"flow-row-line\" viewBox=\"0 0 2 14\" preserveAspectRatio=\"none\"><line x1=\"1\" y1=\"0\" x2=\"1\" y2=\"14\"><\/line><\/svg>\r\n                  <span class=\"flow-row-icon\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/house-blue.svg\" alt=\"\"><\/span>\r\n                  <span class=\"flow-row-label\"><span class=\"lang-en\">Amount &amp; term match<\/span><span class=\"lang-mk\">\u0421\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435 \u043d\u0430 \u0438\u0437\u043d\u043e\u0441 \u0438 \u0440\u043e\u043a<\/span><\/span>\r\n                  <span class=\"flow-row-pct\">20%<\/span>\r\n                <\/li>\r\n                <li class=\"flow-row\">\r\n                  <span class=\"flow-row-icon\"><img decoding=\"async\" src=\"https:\/\/credits.ocslive.com\/wp-content\/uploads\/2026\/09\/cheers-pink.svg\" alt=\"\"><\/span>\r\n                  <span class=\"flow-row-label\"><span class=\"lang-en\">Lender reputation<\/span><span class=\"lang-mk\">\u0420\u0435\u043f\u0443\u0442\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0442<\/span><\/span>\r\n                  <span class=\"flow-row-pct\">15%<\/span>\r\n                <\/li>\r\n              <\/ul>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/section>\r\n\r\n  <section class=\"section-alt ready-section\">\r\n    <div class=\"container\">\r\n      <h2><span class=\"lang-en\">Ready when you are<\/span><span class=\"lang-mk\">\u0421\u043f\u0440\u0435\u043c\u043d\u0438 \u0441\u043c\u0435 \u043a\u043e\u0433\u0430 \u0438 \u0442\u0438<\/span><\/h2>\r\n      <p><span class=\"lang-en\">It takes about a minute, and there's no obligation to go ahead.<\/span><span class=\"lang-mk\">\u0422\u0440\u0430\u0435 \u043e\u043a\u043e\u043b\u0443 \u0435\u0434\u043d\u0430 \u043c\u0438\u043d\u0443\u0442\u0430, \u0438 \u043d\u0435\u043c\u0430 \u043e\u0431\u0432\u0440\u0441\u043a\u0430 \u0434\u0430 \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0438\u0448.<\/span><\/p>\r\n      <a href=\"\/apply\/\" class=\"btn btn-brass btn-lg hiw-final-cta\"><span class=\"lang-en\">Get matched now<\/span><span class=\"lang-mk\">\u041f\u043e\u0432\u0440\u0437\u0438 \u0441\u0435 \u0441\u0435\u0433\u0430<\/span><\/a>\r\n    <\/div>\r\n  <\/section>\r\n<\/div>\r\n\r\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/gsap\/3.12.5\/gsap.min.js\"><\/script>\r\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/gsap\/3.12.5\/ScrollTrigger.min.js\"><\/script>\r\n<script>\r\n  (function(){\r\n    var root = document.getElementById('nk-how-it-works-widget');\r\n    if(!root) return;\r\n\r\n    function revealAllNoGsap(){\r\n      root.querySelectorAll('[data-reveal]').forEach(function(el){ el.classList.add('is-revealed'); });\r\n      root.querySelectorAll('.match-flow-diagram').forEach(function(diagram){\r\n        diagram.querySelectorAll('.flow-row').forEach(function(row){ row.classList.add('is-revealed'); });\r\n        var badgeWrap = diagram.parentElement.querySelector('.flow-badge-wrap');\r\n        if(badgeWrap){ badgeWrap.classList.add('is-revealed'); }\r\n        var text = diagram.parentElement.querySelector('.match-flow-text');\r\n        if(text){ text.classList.add('is-revealed'); }\r\n      });\r\n      root.querySelectorAll('[data-bounce-wrap]').forEach(function(wrap){\r\n        wrap.querySelectorAll('[data-bounce-el]').forEach(function(el){ el.style.opacity = 1; el.style.transform = 'none'; });\r\n      });\r\n    }\r\n\r\n    function initHowItWorks(){\r\n      var reduceMotion = window.matchMedia && window.matchMedia('(prefers-reduced-motion: reduce)').matches;\r\n      if(!window.gsap || !window.ScrollTrigger || reduceMotion){ revealAllNoGsap(); return; }\r\n\r\n      gsap.registerPlugin(ScrollTrigger);\r\n\r\n      root.querySelectorAll('.match-flow-diagram').forEach(function(diagram){\r\n        var wrap = diagram.parentElement;\r\n        var badgeWrap = wrap.querySelector('.flow-badge-wrap');\r\n        var badge = diagram.querySelector('.flow-badge');\r\n        var textWrap = wrap.querySelector('.match-flow-text');\r\n        var cards = textWrap ? 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We&#8217;ll find the right match.\u041a\u0430\u0436\u0438 \u043d\u0438 \u0448\u0442\u043e \u0442\u0438 \u0442\u0440\u0435\u0431\u0430. \u041d\u0438\u0435 \u045c\u0435 \u0433\u043e \u043d\u0430\u0458\u0434\u0435\u043c\u0435 \u0432\u0438\u0441\u0442\u0438\u043d\u0441\u043a\u043e\u0442\u043e \u0441\u043e\u0432\u043f\u0430\u0453\u0430\u045a\u0435. No browsing dozens of offers yourself &mdash; our team checks licensed partners on your behalf and reaches out with a match, free and with no obligation.\u041d\u0435 \u043c\u043e\u0440\u0430\u0448 \u0441\u0430\u043c \u0434\u0430 \u043f\u0440\u0435\u0433\u043b\u0435\u0434\u0443\u0432\u0430\u0448 \u0434\u0435\u0441\u0435\u0442\u0438\u043d\u0430 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-191","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/191","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/comments?post=191"}],"version-history":[{"count":4,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/191\/revisions"}],"predecessor-version":[{"id":220,"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/pages\/191\/revisions\/220"}],"wp:attachment":[{"href":"https:\/\/credits.ocslive.com\/mk\/wp-json\/wp\/v2\/media?parent=191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}