Lending capitalists are capitalists who obtain interest by lending money to functional capitalists (industrial and commercial capitalists). Interest is the payment that the owner of money (the creditor) receives from the borrower (the debtor) for lending the money. Loan capital is money capital that money owners temporarily lend to functional capitalists in order to obtain interest. It is a form of capital that divides surplus value through money lending relationships.

The source of capitalist interest: a part of the average profit that functional capitalists pay to lending capitalists to obtain loans.

The essence of capitalist interest: Interest is a special transformation form of surplus value, and surplus value is the real source of interest.