Members Contribute
Each member contributes a fixed monthly amount to a shared lending pool.
How Monthly Peer Lending Works
A simple 4-step cycle that repeats every month.
Requests Open
Workers request loans for urgent needs like rent, healthcare, or transportation.
Loans Are Issued
Community-approved loans are sent out based on circle rules and available funds.
Repayments Recycle
Repayments return to the pool so the next members can borrow the following month.
Monthly Contribution Tiers
Choose a tier that matches your budget and income volatility.
Starter
$25 / month
Good for workers testing the model while building consistency.
Core
$50 / month
Balanced contribution level for regular participation in the lending circle.
Builder
$100 / month
Stronger monthly contribution that increases total lending capacity.
Example Monthly Pool Math
If 20 members contribute an average of $50 each, the circle creates a $1,000 monthly pool.
Example disbursement: 2 loans at $300 and 1 loan at $400 each month.
Interactive Peer Lending Demo
Adjust the sliders to simulate how a lending circle can fund monthly personal loans.
Set Your Circle
Monthly Pool
$1,000
Net disbursable after admin fee: $1,000
This is the total available for community-approved loans this month.
Sample Loan Mix
2 loans at $300 + 1 loan at $400
Example repayment terms:
- $300 loan -> 3 months at $100/mo
- $400 loan -> 4 months at $100/mo
6-Month Projection
Projected capital available after 6 months: $6,000
Delayed repayments (assumption): $300
Total admin fees collected: $0
What a Personal Loan Could Support
Beyond covering urgent bills, a circle loan can help you build your dream - launch a small project, invest in your craft, and take the next step toward long-term stability.
Rent
$300 to avoid late fees during a short income gap.
Repayment example: 3 months at $100/month.
Car Repair
$500 for emergency repairs to keep driving for work.
Repayment example: 5 months at $100/month.
Healthcare Cost
$200 for urgent medication or a copay.
Repayment example: 4 months at $50/month.
Tools or Software
$400 for equipment that unlocks paid gigs.
Repayment example: 4 months at $100/month.
Emergency Support
Support for urgent, unexpected expenses that cannot wait.
Repayment example: 5 months at $70/month.
Build Your Dream
Funding to support a small business idea, creative launch, or skill-building path.
Repayment example: 6 months at $100/month.
Join the Interest List
Fill out this form to join the pilot waitlist and receive updates on launch timing, member criteria, and onboarding.
This is a frontend-only interest form for planning. Loan terms shown above are illustrative examples and final policies would be set by community governance.
Community Guardrails
Transparent member rules, contributions, approvals, and repayment terms.
No predatory lending intent - designed for fair, mutual support.
Decisions are community-governed and may vary by local circle.