We affirm the decision below that the transactions in question were, as a matter of law, not loans of money to which usury statutes could apply. See Perry v. Beckerman, 97 So.2d 860 (Fla. 1957); Foster v. Weber, 578 So.2d 857 (Fla. 5th DCA 1991). See generally Carter v. Four Seasons Funding Corp., 851 Ark. 637, 97 S.W.3d 387 (2003).