How it works
5–15 SMEs form a guarantee circle. Each posts a small reserve. The pool guarantees individual loans; default by any member draws first from reserves, then triggers shared liability.
Best for
Early-stage businesses that can't get individual credit but have peer accountability.
early stage
peer guarantee
shared liability
Related in Collective & community
Cooperative Procurement Pools
Multiple SMEs in the same sector pool purchasing power. Investor funds the bulk order; businesses draw down what they need and repay from savings.
Diaspora Yield Circles
Structured investment pools for diaspora investors who want to deploy back home but need professional structuring. Dual-class units — yield (fixed) and growth (upside).