Access for all.

SoLo is one of the leading financial technology companies for underserved communities. Many Americans are forced into unfavorable options in order to make ends meet. Our community works together to create mutually beneficial outcomes where members can improve their financial health.

How SoLo Works

SoLo connects lenders and borrowers.

Borrowers select the loan amount, payback date and the appreciation tip to lenders. Everyone is welcomed. No approval process.

Lend to earn money and help others.

Browse and find loans to fund that meet your criteria and earn appreciation tips for helping others during financial hardship.

Borrow money on your own terms.

Borrowers select the loan amount, payback date and the appreciation tip to lenders. Everyone is welcomed. No approval process.

Meet the SoLo Wallet

Community banking has never been easier. SoLo is building premium banking services that support our community marketplace.

Our Impact

322,245 disbursements
84,311 lives changed
18 minutes median funding time

We're paying it forward with values-aligned partners

We’re in this together. We’re SoLo.

  • Our members have stepped up to help each other times and counting.

    A member asks for help. Another member gives it. That’s the heart and soul of the SoLo community. We have each other’s backs because we’ve all been there.

  • Loan requests are typically funded in minutes

    SoLo is built to move funds quickly between members, because when you need emergency help, you need it fast.

  • 82% of members are from underserved communities.

    That includes people who borrow and lend. We’re proud to be building the financial ecosystem we wish our families had, one that measures success by people helped.

  • 59.7% of borrowing members self-identify as black, indigenous, or people of color

    We value inclusion. According to SoLo’s 2021 Borrowing Member Survey, our products serve groups that are marginalized by legacy financial services.
    With disabilities

  • 30% of lenders have also requested to borrow

    Borrow when you need it, lend when you have it. That’s at the heart of our community built on trust, powered on generosity, and ready for the ups and downs we all face.

A Community of Members.

We bet on each other because we believe in each other.

Our Community

“I am so thankful for SoLo, it's my go-to whenever I need emergency funds. I love that they don’t require an extensive credit history, but instead, let you build your reputation within the community.”

- Alex L., Miami

“If you’re in a pinch this is a great way to get help from good-hearted people and to also return the favor if you have the means. I will start to fund loans myself because I understand the needs of others and also it’s a good way to make a few extra dollars here and there. I recommend this platform 100%."

- Lawrence K., San Diego

“It's quite rare to have the ability to aid economic and social justice from the comfort of your couch. SoLo Funds allows me to put my money into the hands of people like me that could use a financial hand while I make a healthy return."

- Syed I., Houston

“I have a small business that I'm trying to grow. Unfortunately, I don’t have good credit and a bank won't help me. Now, I'm able to manage a decent cashflow to my business and use the funds from SoLo to pay for my personal bills."

- Daniel G., Chicago

“I was looking for something like SoLo that allows me to lend to a person who needs it. It feels really good to help people and also earn on my disposable income. I love the new features they've implemented lately."

- Catherine K., Kenosha

“Without this app, I’d have likely been evicted from my place with no other options. SoLo filled that much-needed void and for just a fraction of the cost a big bank would charge! Hands down, I highly recommend it!"

- Andrea P., Philadelphia

Welcome to SoLo.

With SoLo, we make it easy to come through for one another. Join us.