Troubled finance firm Strategic Finance aims to repay investors $325 million over five years after finalising its moratorium proposal.
Strategic Finance stopped its 15,000 investors from pulling out their money in August.
Plans for a consortium led by Strategics' former owners to buy the firm from its Australian owner later fell over.
Strategic's chief executive Kerry Finnigan says interest to investors will fall to a flat 8%.
Mr Finningan says after repaying the company's banker, repayments to investors should start in September 2009 at the latest.