This much money, moving between people every day, should count toward their credit. Instead, it's ignored, and it costs them.
of low-to-moderate income individuals lend and borrow within trusted networks of friends, family, and neighbors
held in peer-to-peer debt across the country, completely invisible to credit bureaus
interest many borrowers face from payday lenders when traditional credit isn't an option
Every peer-lending transaction carries a verification status, from self-reported to fully verified, and the full report is FCRA-compliant, so it's usable for real underwriting decisions.
And with the addition of other financial data points like income and assets, or payday loans that go unreported when repaid, you get a more complete picture than a traditional credit pull, for much less than what other bureaus charge.
Learn moreOur platform provides the infrastructure you need to extend capital without having to manage the day-to-day lending responsibilities. We handle the application, the payments, and the tracking, so you can focus on the work you do, not the back-end of running a community loan fund.
Every transaction strengthens your community's access to credit, on terms you set, whether that's a 0% interest benefit for your team, a lending circle for your members, or cash assistance you provide.
Explore how it works