About Lending

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

The Lender Experience

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. 

How it Works for Lenders

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.  

 

Who are our Lenders?

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.

LENDonate has helped me to make a difference by connecting me to local and national non-profits. Because the borrowers are pre-qualified and information is transparent on the platform, I can make informed investments in causes I care about.
~Maia B.
lending since 2018

Borrower's Integrity

We view our nonprofit borrower's as conscientious borrowers. They care about their reputation and the impact of the work they do.

Risk Rating

We consider various factors to determine risk rating. This rating helps Lenders understand the credit quality of our investments.

Loss History

We have experienced no defaults or loan workouts to date. Of course, past performance is no guarantee of future results.

Transparency

We value transparency. Lenders can view Borrowers' financials so they can make informed investing decisions.

Why LENDonate?

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.

LENDonate Risk Rating Definition Table

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.

Have Questions? We have answers!

Visit our FAQ page, email us at support@lendonate.com or call us at 650-530-0771.

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