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Community Lending

About LendFriend

Loans backed by your business, not your credit score.

What We Do

LendFriend makes it easy for entrepreneurs and small business owners to access interest-free working capital. No banks. No credit checks. No collateral. Just proof that you're running a real business.

Connect your Shopify, Stripe, or Square account to instantly verify your revenue history. Your sales data becomes your trust score. Community members can further vouch for you, and your reputation grows with every successful repayment.

How It Works

1

Connect Your Business

Link your Shopify, Stripe, or Square account to verify your revenue. Your sales history builds your trust score automatically—no paperwork, no waiting.

2

Create a Loan Request

Share your story, set your funding goal (up to $5,000), and choose your repayment timeline. Your verified business data gives lenders confidence.

3

Get Funded & Grow

Community members fund your loan based on your proven track record. Friends can also vouch to strengthen your trust score. Share on social to reach your goal faster.

4

Repay & Build Reputation

Pay back on your timeline. Every successful repayment builds your reputation for larger future opportunities. All transactions are transparent and on-chain.

Why 0% Interest?

We're starting with pure generosity. Zero interest means lenders give because they want to help entrepreneurs succeed, not because they're chasing returns.

Borrowers repay to build their reputation and unlock future opportunities. When people succeed here, new opportunities open up—for everyone.

Who It's For

  • •E-commerce sellers on Shopify, Stripe, or Square needing inventory capital
  • •Freelancers and creators with proven client revenue
  • •Immigrants without local credit history but with real businesses
  • •Gig workers with irregular but verifiable income
  • •Anyone facing unexpected expenses with a track record to show

How Trust Scores Work

Revenue Verification (Primary)

Connect Shopify, Stripe, or Square to prove your business is real. We analyze your sales volume, consistency, and growth to generate a trust score.

Community Vouching (Secondary)

Friends and community members can vouch for you by contributing. Contributions from close connections add extra weight to your score.

Repayment History

Every on-time repayment strengthens your score and unlocks larger loan amounts.

What Makes Us Different

Verified Revenue

Your Shopify, Stripe, or Square data proves you're running a real business—no credit bureau required.

Fully Transparent

All loans and repayments are on-chain and publicly visible. No hidden fees or terms.

Algorithmic Trust

Trust scores combine verified revenue data with social proximity. The stronger your business and community, the better your terms.

Low Fees

Built on Base L2. Gas costs are pennies, not barriers.

Self-Custodial

Smart contracts handle everything. No middlemen, no counterparty risk.

Our Risk Scoring Methodology

Learn how we assess business health using industry-standard approaches while protecting merchant privacy.

Learn About Risk Scoring →

Our Vision & Roadmap

See how we're building the future of reputation-backed lending, from bootstrap to global scale.

Explore the Vision →

Want the Full Story?

Deep dive into our research, evolution strategy, and the academic foundations behind reputation-backed lending.

Read the Research →

Ready to Get Started?

Connect your business and get funded today.

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