Lenders are accredited investors who invest in nonprofits vetted by LENDonate. Our Marketplace is uniquely designed to allow lenders to customize fixed income investments based on their goals and priorities.
Investment Diversification
Positive Social Outcomes
Borrower Transparency
Lenders are accredited investors who invest in nonprofits vetted by LENDonate. Many are self-directed investors while some are represented by their advisors. Some lenders are seeking a rate of return from market-rate investing while others prioritize positive social outcomes – focusing on how their investments enable social projects to become reality. Many lenders, however, want to achieve both, the double bottom line investor.
LENDonate’s Marketplace is uniquely designed for all lenders because each lender can customize their own investments.
As a lender with LENDonate, you can base your investment on a variety of categories such as risk rating, investment horizon, and/or social cause. Your investment can also include a donation.
By investing, you provide access to capital that helps nonprofits with strategic growth, real estate purchases and/or remodels, bridge financing, and much more. Our Success Stories tell you about the impact our lenders have made in the nonprofit community.
Our lenders are individual investors, institutional investors, and philanthropists.
We also work with wealth advisors, philanthropic consultants, and donor-advised funds to help their clients achieve double bottom-line returns.
We believe in transparency in this collaborative network and view the nonprofit borrowers as conscientious borrowers. To understand the credit quality of our investments, review the LENDonate Risk Definition Table below.
| Risk Rating | Definition |
|---|---|
|
Gold |
This loan rating denotes high credit quality. A Gold rating generally means either the borrower has demonstrable excess cash flow and liquidity to support the size of the loan, or the loan is fully secured by strong collateral, or both. |
|
Silver |
This loan rating denotes stable credit quality. A Silver rating generally means the borrower has demonstrated either adequate cash flow and liquidity to support the size of the loan, or the loan is secured by verified and documented future earned income, such as accounts receivable or sale of an asset. The loan may also be partially secured by pledged assets. |
|
Bronze |
This loan rating denotes acceptable credit quality. A Bronze rating generally means that while the borrower may have acceptable cash flow and liquidity, it is less dependable to support the size of the loan. It could also have documented future earned income, but is less tangible in its outcome, for example, receipt of contract or grant receivables. Liquidity and cash-flow projections may be narrow, and/or market access to refinancing is less established. The loan may also be partially secured by pledged assets. |
|
Starfish |
This loan rating denotes a nonstandard credit quality, one that is not quantifiable using traditional credit models. Loans in this category will have unique characteristics that require careful review of the underlying investor risk. A Starfish rating generally means the borrower has mitigating factors worthy of consideration. These factors may include the significant impact this loan will make for the nonprofit or social cause. |
Visit our FAQ page and read the Private Placement Memorandum before investing.
You can also email us at support@lendonate.com or call us at 650-530-0771.
