Let your money work for you. 16+% annualized return.*

SoLo Alpha is a high-return investment account powered by the personal loan asset class. Your deposits fund real personal loans for real members, and you earn as they repay. Risk is measured by the SoLo Score, eight years of proprietary repayment intelligence.

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Stay tuned for Alpha
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An asset class banks couldn't build. Intelligence did.
Now it's yours.

SoLo Funds' personal lending asset class has generated strong, consistent returns for years, and it's now getting better. SoLo Alpha is offered through SoLo Cooperative, Inc.², a member-owned licensed lending cooperative³, so you're not an account holder. You're a member, with a stake in the cooperative and a vote in how it runs.

An asset class that used to belong to banks. Now it belongs to you.

Personal lending has generated strong, consistent returns for years, just never for the people funding it. SoLo Alpha is offered through SoLo Cooperative, Inc.², a member-owned licensed lending cooperative³, so you’re not an account holder. You’re a member, with a stake in the cooperative and a vote in how it runs.

What membership gets you

*Target yield based on historical SoLo marketplace performance. Not guaranteed, and subject to change; full terms and disclosures at launch.
High-return, by design.

Returns averaging 16% annualized return or more, generated by real repayment activity, not a teaser rate.

Protection built in.

Every account carries SoLo Protection, a guarantee from SoLo Cooperative that nolending strategy will produce a negative return on your principal.†

Your strategy, your call.

Choose across lending strategies to match your risk appetite, and track your portfolio in real time by strategy.

Proven, not experimental.

Built on infrastructure that has funded over 2 million loans and nearly $2 billion in transactions.

How the pre-list works

SoLo Alpha opens in Series. A Series is a set number of seats, nothing else: no dollarcaps, $20 deposit minimum. The seat is scarce; the amount is yours.
Change your mind while you wait

Your Waitlist Hold and Membership Fee will be refunded in full. You give up your number, nothing else.

Joining is a funded commitment

Set your Intended Deposit, and 25% of it is charged today as your Waitlist Hold, along with your annual Membership Fee of 3% of your Intended Deposit. That charge locks your place by timestamp. When your seat opens, the remaining 75% is charged, your full deposit lands in your SoLo Alpha account, and you’re assigned a permanent member number. No claim windows, no races. You wake up a member.

Your number is sequential and never reissued

It's your proof of earliness and your standing priority: every future capacity release fills in number order, so № 0003 stands ahead of № 3,000 forever.

We limit Alpha because we protect the floor

Capital only enters when lending demand makes room, and we'd rather tell you to wait than pay you less.

The pre-list opens soon. Get notified first.

Before the funded waitlist opens, tell us you’re interested. The pre-list is a short questionnaire: your contact information and a few questions about how you’d use SoLo Alpha. No charge, no commitment, no position. When waitlist seats are released, you’ll be the first to know so you can lock your timestamp early.
Stay tuned for Alpha
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Alpha FAQ

The questions we get most about membership, mechanics, and protection.

What is SoLo Alpha?
A high-return investment account powered by the personal loan asset class. Your deposits fund lending strategies, and you earn returns averaging 16% annualized return or more* as borrowers repay.
Why is SoLo Alpha a first of its kind?
Nothing like it has existed at the retail level. SoLo Alpha is powered by SoLo Cooperative, Inc., a lending cooperative, so members own the entity funding the loans. That structure is matched with a first-of-its-kind lending strategy and risk intelligence built on eight years of SoLo Score repayment data. A member-owned lender plus proprietary risk intelligence is a new category, not a new version of an old one.
What is the pre-list?
A short questionnaire that collects your contact information and your interest in SoLo Alpha. It’s free and carries no charge, commitment, or waitlist position. We use it to notify you the moment the funded waitlist opens. Your timestamp, and your member number, come from the waitlist itself.
How do I join?
Join the pre-list now to be notified when the waitlist opens. When it does, complete SoLo Alpha onboarding in the app, set your Intended Deposit (minimum $20), and confirm. Your Waitlist Hold (25%) and annual Membership Fee (3%) are charged, your position locks by timestamp, and you’re assigned a member number. When your seat opens in a Series, the remaining 75% is charged, your full deposit is placed in your SoLo Alpha account, and you become a member-owner of the cooperative.
When am I charged?
Twice. When you confirm your waitlist spot, you’re charged your Waitlist Hold (25% of your Intended Deposit) plus your Membership Fee (3% of your Intended Deposit per year). When your seat opens, you’re charged the remaining 75%. Example: a $1,000 Intended Deposit means $250 hold + $30 fee and $750 when your seat opens.
Does a bigger deposit move me up?
No. First come, first served, and timestamp is final. No position jumps, no referral boosts, no exceptions.
Can I leave the waitlist?
Yes, at any time. Your Waitlist Hold and Membership Fee are refunded in full to the card they were charged to, within two weeks. Your member number is released and your position is lost.
Does my Waitlist Hold earn anything?
No. While you’re on the waitlist your hold isn’t invested, doesn’t fund loans, and doesn’t earn a return. Earnings start when your seat opens and your deposit is placed in your SoLo Alpha account.
Can I add money later?
Yes. Additional deposits enter the allocation book and fill in member-number order as lending growth opens capacity. No dollar enters Alpha outside a capacity release.
Why the limit?
Capital can never outrun lending demand, because capital only enters when demand makes room. The scarcity is the risk-management mechanism, made public. It’s how the 16%+ floor stays durable.
What does my member number get me?
Permanent priority. Every release fills in number order, so your earliness pays out on every future drop, not just your first seat.
What does my money actually do?
You choose a lending strategy across risk tiers, and your deposit funds personal loans for real borrowers within that strategy. Those loans are made by SoLo Cooperative, Inc., and recovery of those loans is handled by Social Loans LLC. SoLo Cooperative manages utilization so your capital is deployed efficiently. Your exposure follows the strategy you selected, not any single loan.
Is my money protected?
Yes. SoLo Protection is a consumer guarantee provided entirely by SoLo Cooperative, Inc. that no lending strategy will produce a negative return on your principal. If a strategy you selected ever shows a loss, you file a claim and the cooperative restores your principal. SoLo Protection is provided 100% by the cooperative and does not involve a bank. SoLo Alpha is a cooperative member account, not a bank deposit account, and is not FDIC insured. See the disclosures below.
Is my money locked up?
We anticipate an initial 90-day lock-up after deposit so capital is fully deployed. After that, fee-free withdrawals are expected to be available during designated 90-day windows, with early withdrawal outside those windows carrying a 5% fee. Final terms will be set in the membership agreement before launch.
Who operates SoLo Alpha?
SoLo Cooperative, Inc., a member-owned consumer cooperative organized under California law. Personal loans funded through SoLo Alpha are made by SoLo Cooperative, Inc., which will be a CA licensed lender, NMLS ID 2474443 (application pending). Recovery of those loans is handled by Social Loans LLC, NMLS ID 2474463. Members hold a membership share and one vote each, regardless of deposit size.
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SoLo Alpha is not yet available. This page describes a product in development. Joining the pre-list or the waitlist does not create a membership, an account, or any obligation on the part of SoLo Cooperative, Inc. to offer membership. Program features, lending strategies, return figures, lock-up periods, withdrawal windows, fees, membership requirements, and launch timing are preliminary and subject to change before launch and in accordance with the final membership agreement and bylaws.

*Average annualized return based on trailing 12-month performance data for strategies utilizing borrowers with a SoLo Score of 55+. Returns vary by strategy, deposit timing, and utilization rate. Past performance does not guarantee future results.

Not a bank APY. The annualized return figures on this page describe the average annualized return historically generated by lending strategies and are not an interest rate paid by a bank or credit union. SoLo Alpha is a cooperative member capital account, not a deposit account. When you fund SoLo Alpha, you contribute capital to SoLo Cooperative, Inc., a Consumer Cooperative Corporation organized under the California Consumer Cooperative Corporation Law. Your returns are distributions to members of the cooperative, paid from the net earnings of the lending strategies you select in accordance with the cooperative’s bylaws and your membership agreement, and they rise and fall with actual borrower repayment. A bank’s APY is a declared rate the bank is obligated to pay on deposits that are insured by the FDIC. Cooperative returns are variable, are not promised in advance, and are not insured by the FDIC, the NCUA, or any other government agency, and are not guaranteed by any bank. The use of the term “deposit” on this page refers to a member capital contribution to the cooperative, not a bank deposit. A bank APY and SoLo Alpha’s average annualized return are not equivalent measures; comparisons on this page to bank products are provided for context only.

“Best-in-class” based on comparison to national average APY for high-yield savings accounts, money market accounts, and certificates of deposit as of September 2026. SoLo Alpha is not a bank deposit product. Returns are not insured or guaranteed by any federal agency.

†SoLo Protection is a consumer guarantee provided solely by SoLo Cooperative, Inc. that no SoLo Alpha lending strategy will produce a negative return on a member’s contributed principal, subject to the terms of the membership agreement. Members whose selected strategy produces a loss on principal may submit a claim to the cooperative, which will restore the member’s principal. SoLo Protection is provided and funded 100% by SoLo Cooperative, Inc. It does not involve any bank, is not a bank guarantee, is not FDIC insured, and is not a guarantee of any federal agency.

SoLo Alpha accounts require a paid membership with SoLo Cooperative, Inc., a Consumer Cooperative Corporation organized under California law. Membership is by application; approved applicants pay an annual membership fee equal to 3% of their Intended Deposit Amount and purchase one membership at $1. Waitlist reservations require a Waitlist Hold of 25% of the Intended Deposit Amount, charged with the first year’s membership fee at confirmation; both are fully refundable if you leave the waitlist. The remaining 75% is charged when membership is confirmed. Contributions are expected to be subject to an initial 90-day lock-up. After lock-up, fee-free withdrawals are expected to be available during designated 90-day windows; early withdrawals outside those windows are expected to be subject to a 5% fee. See membership agreement and bylaws for full terms, including voting rights and patronage distributions.

Personal loans funded through SoLo Alpha are made by SoLo Cooperative, Inc., which will be a CA licensed lender, NMLS ID 2474443 (application pending). Recovery of those loans is handled by Social Loans LLC, NMLS ID 2474463.

SoLo Alpha is not a bank, broker-dealer, or registered investment adviser. Participation in lending strategies involves risk. Returns are variable and not guaranteed beyond the SoLo Protection no-negative-return guarantee on principal.



© 2026 SoLo Funds Inc.