SOLO LEND

Fund people, make a return

Every dollar you lend goes to someone real, on terms you choose. No black box, no middleman, just capital moving where it's needed, and coming back to you.¹

Outperforming. Verifiably.

Consistent lenders on SoLo have historically earned 24%+ average annual returns², funding real people directly, not a fund, not an index, not a black box. Here's how that stacks up against everywhere else your money could go.³

24%+
average annual return for consistent lenders. You choose who you fund. Proven.²,⁴
S&P 500
~12%
5-year annualized return, dividends reinvested.⁵
Cryptocurrency
~5%
5-year annualized return (Bitcoin). Two drawdowns over 50% in that window.⁶
Prediction markets
−8%
median return on money wagered. 79% of users lost money last year.⁷
Residential real estate
~4%
5-year annualized price appreciation. Falling after inflation for 14 straight months.⁸

How funding works

1
Browse open requests
2
Choose who you want to fund
3
Set your own terms
Once all parties are aligned, your capital moves directly to that member, no bank holding it up, no middleman taking a cut.
Fund Your First Loan
Full transparency in how you fund

Tip and duration are set on every request, in plain view. Pick a proven strategy, become a lender, and know exactly what you're earning and why.

Real Intelligence

Lending isn't risk-free¹, but it’s not a guessing game either. SoLo has a leading risk-scoring system¹⁰ built on users' banking, transaction, and payroll data, perfected over billions of transactions¹¹, currently boasting the industry's best repayment rate.¹²

Lend consistently. Earn more than returns.

Active lenders earn SoLo Credits for staying active on the platform.⁹ The longer you've been lending and the more you fund, the more you earn. Your returns are what your capital makes. Credits are what your consistency makes.

Fund Your First Loan

Why lenders fund

Thousands of five-star ratings, from members putting SoLo to the test every day.
“
If you are lending, this is a great way to make extra cash on the side. A win win.
Karen W.
“
I use the solo app to build a secondary income outside of my 9 - 5. My experience has been great so far.
Jamarro M.
“
Helped me make money while helping others
Ray
Lender FAQ

The questions we get most, answered without bank jargon.

Can I choose who I fund?
Yes. Every request shows what it's for and what terms are offered, you decide before you commit.
Why does SoLo lend in short cycles, and what's the math behind it?
Marketplace loans average 15 days, with principals from $20 to $650.⁴ Shorter duration means less time for something to go wrong, longer loans default at a much higher rate than short ones, even adjusting for credit quality. A 15-day cycle also lets your capital recycle 20+ times a year, and that velocity, not one big return, is what adds up over time.
How does SoLo help me mitigate risk?
It starts with the SoLo Score.¹⁰ Every borrower carries one, built from SoLo's own repayment data, and it has driven repayment and default rates that are best in class for the category. The score is on every loan request, so you know who you're funding before you commit. From there, SoLo Lender Protection (an optional 5% add-on)¹³ returns 90% of your principal plus your donation if a loan goes delinquent, and the Lender Knowledge Hub walks you through every mechanic of the marketplace.
What have lenders historically earned on SoLo?
Consistent lenders on SoLo have historically earned 24%+ average annual returns², with tips averaging 10.4% per loan based on SoLo platform data.⁴ Actual returns vary depending on loan selection, portfolio size, and activity level. Past performance is not indicative of future results.
Start funding today.
Download SoLo and put your capital to work. Available on iOS and Android.
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SoLo Funds, Inc., a Certified Public Benefit Corporation, is a financial technology company, not an FDIC insured depository institution. Banking services provided by Bangor Savings Bank, Member FDIC. The SoLo Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted.

All loan requests are subject to verification, lender proposal, and the requestor's final acceptance. Tips and donations are voluntary. Donations may be turned off in settings.

SoLo Alpha is offered by SoLo Cooperative, a separate legal entity from SoLo Funds, Inc. Neither entity guarantees the obligations of the other. SoLo Alpha is not a bank deposit and is not FDIC insured.

¹ Lending through SoLo involves risk, including the risk of borrower default and loss of principal. Lender returns are not guaranteed, are not insured by the FDIC or any federal agency, and are not bank deposits. Historical performance figures reflect platform-wide averages and do not predict future results. Individual results vary.

² Returns: Over the trailing twelve months, the average SoLo lender return per 14-day loan cycle has significantly exceeded the return required to produce a 24% annual result. The annual figure assumes a lender redeploys the same capital into a new loan at the close of each cycle, allowing returns to compound across approximately 26 cycles per year. Actual SoLo marketplace performance over this period, compounded on that basis, substantially exceeds 24%; the 24% figure is stated conservatively. Some lenders earn less, and some lose principal. Lending involves risk including loss of principal. Past performance does not guarantee future results.

³ Comparative figures are trailing five-year annualized returns, October 2021–October 2026, from the public sources below. They are not SoLo data and are for context only. Past performance does not guarantee future results.

⁴ Source: SoLo platform lending data.

⁵ S&P 500 total return with dividends reinvested. Source: S&P Dow Jones Indices.

⁶ Bitcoin (BTC/USD) price return, used as a proxy for the crypto market. Source: CoinGecko historical data; Schwab Asset Management.

⁷ Median return on investment for prediction-market users, July 2025–March 2026, per Citizens JMP Securities analysis of Juice Reel transaction data. Share of users losing money: BadCredit.org survey, September 2026, via Scripps News.

⁸ S&P Cotality Case-Shiller U.S. National Home Price Index. Appreciation only; excludes rental income, costs, and leverage.

⁹ Rewards: SoLo Credits are a platform reward, not cash, and have no cash value outside the SoLo platform. Credit earning is based on activity and tenure and is subject to program terms, which may change. Credits are not returns and are not a guarantee of any future loan terms, rate, or approval. See Rewards Terms for more details.

¹⁰ SoLo Score: The SoLo Score is a proprietary machine learning model trained on SoLo marketplace transaction data. It is not a credit score, is not provided by a consumer reporting agency, and is not used to furnish information to consumer reporting agencies. SoLo does not charge for access to a member's SoLo Score. Model outputs do not guarantee repayment or any particular lending outcome.

¹¹ Platform figures: Transaction and loan volume figures are cumulative through October 2026 and are unaudited.

¹² Repayment rate: Repayment rate reflects a trailing twelve-month average above 94% across SoLo marketplace loans. Repayment performance varies by period and is not a projection.

¹³ SoLo Lender Protection: SLP is an optional add-on available at the time of funding, priced at 5% of the loan amount. If the borrower does not repay by the scheduled repayment date, SLP issues a credit equal to 90% of loan principal, denominated in SoLo Credits. SLP covers principal only and does not cover tips. SLP is not insurance and is not a guarantee against loss. See SLP Terms for more details.

© 2026 SoLo Funds Inc.