Engaged couples who plan to get married soon but worry about not having enough funds for the wedding can be granted a loan from startup company SwanLuv.

The startup offers soon-to-be-married couples a loan amount of up to $10,000 as well as free marriage counseling sessions. The offer is best for couples who believe they have found their soul mate and need help to make their dream wedding become a reality.

The loan amount can end up as a free, non-payable amount for as long as the couple successfully stays married together. In other words, they don't have to pay back a single cent if their marriage doesn't end up in a divorce.

"It really depends on where you are in your relationships," said Scott Avy, SwanLuv CEO, when asked if a couple who is not willing to sign up should get married. "I'm betting on my relationship I've established with my soulmate. It's going to be a no-brainer for the ones it makes sense for."

Couples who are interested to sign up can apply online and e-sign the wedding fund agreement once their application is approved. The funds are immediately sent to help them push through with their dream wedding.

SwanLuv leverages online data and makes use of an algorithm software technology in order to quickly assess applicants' risk that allows them to determine funding offers. The company has already started accepting applications and plans to make its first payments in February. While returns may take some years, Avy feels confident that SwanLuv will eventually become a profitable business as couples will eventually start to separate.

"Couples who receive SwanLuv funds and are later divorced will be required to pay back the amount funded and incurred interest to date," said SwanLuv on its official site. Likewise, it also said "couples that stay married are not required to pay back the funds provided. There are no hidden fees."

In other words, it seems like couples who are qualified to receive funds will be getting the loan amount from those members who ended up getting divorced and had to pay back the company, including the incurred interest. If that's the case, the funds would seem similar to the seats in a Ferris Wheel wherein you hop in if a seat is available.

So far, Avy has heard positive feedback on his venture although some may criticize that in essence, he is gambling on people's lives.

"They're signing up for it," said Avy. "We're not forcing them. It's all by choice."