I am a therapist and have started my own practice. Alhamdulillah I can finally sustain my monthly business costs but growth is slow as I do not have enough capital to advertise/expand to at least contribute to my personal financial targets. I'm facing either further investment into my business (via a loan) or closure. I have been offered a loan with a "fixed fee" and these are the known terms: 1) The fixed fee is a percentage of the loan amount (10% or less); 2) The actual loan amount and fixed fee will vary (based on loan amount) but there is no interest rate, no other costs after the loan is disbursed; 3) The loan must be repaid within a specified time-frame (e.g., 1 year). Is this loan truly interest-free and/or halal?