SoLo Funds: Lend, Borrow, Bank

Making Gains. Borrow up to $650 on your own terms, lend to earn, and bank with SoLo Wallet. Powered by SoLo's intelligence engine, built so your money works harder for you. Borrow and save: borrow for any reason, with no payroll tie-in, no store purchase, and often for less than most other options.* Lend and grow: fund real members and earn as they repay. Lenders who fund consistently have historically outperformed standard retail options.** HOW BORROWING WORKS Borrow $20 to $650, no credit check. You set the amount, the repayment date, and any optional tip and donation, and loans are funded in 3 minutes on average. Your loan is funded by other SoLo members and repaid when you choose. No compounding interest, no hidden fees, no subscription. What you agree to is what you owe. HOW LENDING WORKS Browse loans, choose who you lend to, and earn as members repay. Every loan shows the borrower's SoLo Score, built on years of transaction data, so you can lend with precision and choose the loans that fit your strategy. SOLO PROTECTION Identity verification, biometric checks, real-time fraud monitoring, secure bank-to-bank transfers, and a safety net that may offset losses on funded loans. SOLO WALLET Free. The SoLo Wallet and SoLo Funds Mastercard Debit Card come with account and routing numbers, Apple Pay, Google Pay, and Samsung Pay. Deposit, withdraw, and spend anywhere Mastercard is accepted. SOLO IQ SoLo's AI financial co-pilot. Ask it anything about your money and get instant, private answers built around your own habits and goals. SOLO ALPHA America's best performing high-yield account.*** Built by intelligence. Join the waitlist. Members are approved on a rolling basis. RECOGNITION Certified B Corporation since 2021. Inc. 5000 Fastest-Growing Private Companies (2026). EY Entrepreneur Of The Year Greater Los Angeles finalist (2026). Banking Tech Awards USA finalist (2025). CNBC Disruptor 50 (2023). Fast Company World Changing Ideas finalist (2021, 2022). *Cost comparisons from the 2026 Cash Poor Report, a national survey of 2,000 U.S. adults conducted with Opinium Research. **Consistent SoLo lenders have historically averaged 24%+ annual returns, per SoLo platform data. Returns are not guaranteed or FDIC insured and vary by loan selection, portfolio size, and activity. Lending involves risk, including loss of principal. Past performance does not guarantee future results. ***SoLo Alpha is offered by SoLo Cooperative, a separate legal entity from SoLo Funds, Inc.; neither guarantees the other's obligations. Not a bank deposit; not FDIC insured. APY is a trailing 12-month average for strategies using SoLo Funds borrowers with a SoLo Score of 55+. Returns vary and are not guaranteed. Availability varies by state. SoLo Funds, Inc, a Certified Benefit Corporation, is not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. The SoLo Funds Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted. For more information please visit our website https://solofunds.com/. (1) $650 Cash Requests: Criteria applies, see Terms https://solofunds.com/terms/ for more details. (2) SoLo Wallet: The bank services are provided by Bangor Savings Bank, Member FDIC. All loans regardless of the early schedule payment have the same terms, with 90 days for repayments and default. The early repayment schedule for a loan request can differ between members with all loans up to 90 days to pay in full until defaulted. Your initial scheduled early repayment date can be skipped without issue and repaid manually in-app at any time with minimum and maximum repayment schedule up to 90 days. All loans have up to 90 days to pay in full until defaulted. See SoLo's Privacy Policy https://solofunds.com/privacy