However we will adjust the interest rate based on our volume.
So is the rate 18% or is it variable? There's a big difference between "we'll pay 18%" and "we'll pay a variable rate based on what we actually make". Which is it? Is it's a fixed 18% then proof please of funds sufficeint to pay that (without touching capital). If it's a variable rate then please define the means by which the rate is calculate and the way by which investors can verify that the rate being paid is the real rate due according to what criteria you use.
Have to say it seems like just a scam to me - ask for cash with vague promises then take the cash and pay fuck-all (or pay a decent rate until investments dry up THEN pay fuck-all).