SoLo Funds 回复2026-07-23Dear Joe,
We understand our model does not follow traditional lending models as we wanted something different, something more human. So we are happy to provide some additional information regarding the loan funding process.
Here are a couple points to keep in mind:
1. Funding a loan request is up to the discretion of individual lending members. Borrowing members choose how much and when they pay, including if they want to add an optional tip to the lending member or donation to SoLo. Borrowing members have 100% optionality and control over the terms of their loan, and any amount paid in addition to the loan principal is voluntary. Electing not to tip or donate has no impact on a member’s ability to request a loan, nor does the SoLo platform give a member preferential treatment for including a tip or donation.
2. You can increase your trust on the platform by paying your loans back early or on time. This will increase your SoLo Score, and will also be visible to lending members in your loan history. The higher your score, the more trust future lenders will have in you.
We hope this information is helpful. Please let us know if you have any additional questions.
Thank you,
SoLo Community Expert