Why Invest in Credit & Microcredit?

You must be at least 18 years of age.

For individual investors: To start investing, you need to create an account on our website: Open Account
For institutional investors: To register, please submit a request through our contact page: Contact Us

An investment pool is a structure where funds from multiple investors are combined into a single collective vehicle. Instead of each investor managing their own assets separately, all contributions are aggregated and then allocated across a diversified set of portfolios.

Investor capital is distributed through a portfolio-based approach. Rather than being invested in a single asset or strategy, the pooled funds are allocated across multiple Microfinance Institutions (MFIs). Each portfolio represents a carefully selected group of MFIs, allowing for broad diversification.

Portfolios are built to balance risk and return objectives. Allocation decisions consider factors such as MFI track record, portfolio quality, geographic region, and alignment with the pool's overall investment strategy. The goal is to create a well-diversified blend that smooths volatility while targeting consistent performance.

Adding credit assets to your portfolio reduces overall volatility and provides stability during market downturns. Credit investments typically have low correlation with stock markets, serving as an effective diversification tool.

We offer multiple diversification options:

• Microcredit Portfolios: Small-ticket loans to individuals and micro-businesses
• SME Credit Fund: Larger business loans with collateral protection
• Consumer Credit Pools: Diversified personal loan portfolios
• Geographic Diversification: Investments across multiple regions and economies

The average return can reach 2–5% per week, though this depends on several factors. Actual performance varies based on portfolio composition, the specific MFIs included, market conditions, and the overall risk profile of the selected investments.

Yes, you can. Investors are welcome to participate in more than one investment pool simultaneously. This approach allows for additional diversification across different strategies, portfolios, and risk profiles. By spreading capital across multiple pools, you can further reduce concentration risk and tailor your overall exposure to match your specific investment goals. Some pools may focus on different geographic regions, MFI segments, or return objectives — investing in several gives you the flexibility to customize your portfolio mix. There are no restrictions on the number of pools you can join, though you should review each pool's individual terms, minimum investment requirements, and fee structure before committing capital.

The minimum investment depends on the type of investor. For individual investors, the minimum starts at $100. This low entry point makes the investment pool accessible to a wide range of participants who want to benefit from diversified exposure to multiple MFIs. For institutional investors, the investment threshold begins higher. Institutions typically have access to customized portfolio structures, dedicated support, and potentially different fee arrangements tailored to their specific needs. Please note that minimums may vary by pool structure and jurisdiction. Contact the investment team for detailed information based on your investor profile.

Interest payments are made weekly throughout the term specified in the chosen investment pool's description. The first payment is made at the end of the seventh calendar day from the moment you deposit funds into the investment pool. Subsequent payments follow weekly thereafter. The principal is returned to you on the final day of the investment pool's term, as indicated in the pool description. At that point, the investment cycle concludes, and the full deposit amount is released along with any remaining accrued interest.

Yes, you can. If you have sufficient funds in your account balance to meet the minimum investment requirement for a pool, you can use your balance to invest directly. Simply go to the Offers section, select the investment pool you want, and choose "Account Balance" as your payment method during checkout. No additional deposit is required — your available balance will be allocated to the chosen pool. This allows you to easily reinvest returns or combine funds from multiple sources without having to go through external payment processing.

We accept a variety of payment methods to accommodate different investor preferences: Debit and credit cards — Visa, Mastercard, and other major providers Checks — personal or certified checks Direct bank transfers — wire transfers and ACH payments Cryptocurrency — select digital assets accepted Please note that processing times and any applicable fees may vary depending on the payment method chosen. Contact support for details on specific cryptocurrency options and transfer instructions.

All commission fees are already included in each specific investment offer. In the investment pool description, you will see the final percentage that you will receive — there are no hidden fees or deductions taken from your returns. Please note that payment system fees are not included. Depending on the payment method you choose (credit card, bank transfer, cryptocurrency, etc.), the payment processor may apply its own transaction fees. These are separate from the investment pool and are not deducted by us.

Credit investments can effectively hedge against inflation through three primary mechanisms:

Beyond financial returns, credit and microcredit investing creates meaningful social impact by providing capital access to underserved segments:

Our technology platform enables efficient capital allocation to credit-worthy borrowers who traditional financial institutions often overlook, creating both financial returns and social value.

We leverage advanced technology to manage credit risk and optimize returns:

Our 5% reserve fund provides additional protection, covering potential defaults while maintaining target returns for investors.