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We’re SoLo Funds

SoLo Funds is the premier AI-powered community banking solution providing unparalleled returns and access to capital for millions of Americans. Fueled by its AI risk model enabling marketplace loans, pioneering cooperative yield-producing accounts, and community empowering banking services. 

Built for real people by real people, SoLo Funds enables everyday individuals to borrow personal loans at more affordable rates and earn industry-leading returns — decentralized and free from the systemic inefficiencies of traditional banking. Our platform is powered by a community of members rooted in trust, transparency, and a shared commitment to financial well-being.
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SoLo Funds Facts

Product Overview

  • Borrow on your own terms
  • Lend and make an impact
  • Mitigate risk with SoLo Lender Protection (SLP)
  • Bank with SoLo Wallet and SoLo Debit Card
  • Real time data insights with “SoLo IQ”
  • Available on both iOS and Android
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Community Testimonials

"Solo is a great peer to peer platform. For those who are interested in providing loans, it's a great way to make a social impact while also earning a return on your money."
Rosa, Lender
"Solo Funds has truly been a blessing for me. At a time when traditional lenders were either too slow or wanted mountains of paperwork, Solo offered a simple, fast, and human alternative."
Shiri, Borrower
"I started doing this as a way to make a little extra money on the side. It has become more than that. I get a great sense of satisfaction helping out others who need temporary assistance. Everyone needs help at certain points, and I was in many of their shoes at one point or another in my life. I am a huge proponent of this form of financial service." 
Justin, Lender
"This app is a lifesaver! I have applied to just about every loan place there is and been denied. I put a loan request in yesterday, and someone stepped up to help this morning. The loans start small, but you can borrow more as you prove the ability to pay them back. It’s awesome to see the community coming together to help each other."
Jessica, Borrower

Notable Investors

Notable Awards

Market Facts

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$500–650
billion dollar problem

Includes subprime credit cards, BNPL (Buy Now Pay Later), EWA (Earned Wage Access), and payday alternatives. Together, SoLo Funds is solving a huge multi-billion dollar problem for the working-class American people.

198 Million

Working-class Americans rely on unsecured or secured access to capital each year.

58 Million

Working-class Americans don’t have sufficient options to grow their savings and capital over time.

Relevant Links

Logo Folder: [Here]
TrustPilot Review: [Here]
Community Photos: [Here]
iOS App Store: [Here]
30 Seconds Videos: [Here]
Google Play Store: [Here]
Product Photos: [Here]
Leadership Team Info: [Here]

Cash Poor Report

SoLo Funds' proprietary marketplace data, continuously published in the annual Cash Poor Report (in partnership with industry thought leaders), uniquely positions the company as the definitive source of truth on the financial reality of underserved America.
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Recent News

Read News
Optionality in Lending is How You Empower the Underserved
July 13, 2021
The Importance of Being a Black-Owned B Corp Startup — and Why More Financial Companies Should Become One
March 18, 2024
The Future of Everyday Money: Meet the SoLo Debit Card
October 3, 2025