LEND CAPITAL.
BUILD COMMUNITIES.
Sponsorship funds the platform. Consulting shifts corporate strategy. Social lending funds the businesses themselves — patient debt capital from people and institutions who want their money to build something local, real and lasting.
Grants seed. Sponsorship sustains. Debt capital scales.
Community businesses in the regions we work in are rarely limited by ideas or work ethic. They are limited by access to capital. Conventional lenders find them too small, too informal or too far from the standard scoring model. Grant money is scarce, slow and usually one-shot.
Social lending closes that gap. Instead of asking donors to give and forget, we invite individuals and institutions to lend — at below-market rates, over long tenors, into a structured facility that finances vetted local businesses. Capital returns, and can be put to work again. We ensure to scope on business where RoU876 can contribute especially to sales-, marketing- and finance-management capabilities. This ensures strategic enablement at scale of countless projects as well as secures parts of the cash-flow to ensure payback through process rather than legal measures. RoU876 is a partner and enabler.
Capital from many sides. One purpose.
Private individuals & family offices
Patient capital from people who want their savings to build something real, not chase short-term yield.
Foundations & impact funds
Mission-aligned capital that needs a credible operating partner on the ground, not another fund of funds.
Cooperative & ESG-mandated banks
Institutions with impact allocations looking for structured, reportable exposure to community business lending.
Corporates & DFIs
Companies with impact budgets and development finance institutions seeking co-investment into local economies.
Ticket sizes and terms are agreed individually. Availability depends on current facility capacity, jurisdiction and applicable regulation.
A best-practice social lending process.
No shortcuts. The same structure impact-lending institutions use — adapted to the communities and business scale we actually serve.
Expression of interest
You tell us your indicative ticket, tenor, currency and impact focus. We share our lending framework, reporting cadence and current facility pipeline.
KYC & term sheet
Standard KYC / AML on the lender side. A term sheet defines amount, tenor (typically 5–10 years), target rate (below market), reporting cadence and the management fee.
Ring-fenced facility
Capital is pooled into a ring-fenced facility scoped to a cohort, region or theme. Funds are held and administered separately from RoU876 operating accounts.
Underwriting & disbursement
RoU876 underwrites local businesses against clear criteria and disburses under amortising or revenue-linked loan agreements. No disbursement without a signed contract.
Monitoring & repayment
Local businesses repay into the facility. RoU876 monitors performance, handles collections, publishes quarterly reports to lenders and re-cycles capital into the next projects where mandates allow.
Return of capital
Lenders receive scheduled interest and principal per the term sheet. RoU876 retains a transparent management fee, disclosed up front, for origination, monitoring, reporting and collections.
What lenders can expect.
Patient tenor
Typically 5 to 10 years. Long enough for a business to actually build.
Below-market rate
Priced for social business enablement, not yield extraction.
Quarterly reporting
Portfolio performance, disbursements, repayments, incidents — no marketing gloss.
Ring-fenced facility
Lender capital held separately from RoU876 operating accounts.
Reserve buffer
Where facility economics allow, a first-loss or reserve tranche absorbs early defaults before senior lenders.
No guaranteed return
Returns depend on borrower performance. Capital is at risk. Not a deposit, not insured.
One fee. Fully disclosed.
Running a lending facility responsibly costs money — origination, underwriting, legal, monitoring, reporting, collections, technology and audit. RoU876 charges a common management fee, in line with impact-lending market practice, to cover that work.
The fee is defined explicitly in every term sheet before capital is committed. No hidden spreads, no undisclosed placement commissions, no surprise deductions from repayments.
Lenders accept a modest rate because the purpose is enablement. We accept a modest fee because the purpose is structure — not extraction.
Patient capital, not guaranteed capital.
Loans to community businesses carry real credit risk. Some borrowers will underperform, restructure or default. Repayment and interest depend on borrower performance, local conditions and the discipline of the underwriting.
Nothing on this page is a public offer, an investment recommendation or a solicitation of a deposit. Participation is subject to individual KYC, jurisdiction, applicable financial regulation and a signed agreement. Capital is at risk and is not insured.
Aligned with the same local ownership principles.
Every borrower is assessed against the community-ownership principles that guide the rest of RoU876: local leadership, fair compensation, cultural respect, commercial discipline, transparent financing and long-term independence. Lending does not override those principles — it funds them.
Larger facilities include independent review, external audit and lender-side observer rights on portfolio governance. The mission is not to become the largest social lender. It is to be a credible one.
If your capital is patient,
we have work for it.