Ho Chi Minh City, Vietnam
Handmade accessories stall
US$1,500 funded by 6 lenders in 9 days to buy stock before the Tet season.
See it in the demo
For MFIs, impact lenders and the entrepreneurs they serve
Every harvest starts with a loan. Show funders where theirs went.
Harvest Circle connects verified lenders with licensed microfinance institutions. Fund a real small business in plain US dollars by card or bank transfer, and get repaid in dollars to your bank. No crypto, no middlemen.
No sign-up needed: explore the live demo as a Lender · MFI · Admin
One currency from start to finish
Every loan is priced, funded, disbursed and repaid in US dollars, the currency microfinance already borrows in. Lenders see every dollar move, and MFIs see what it is worth in local currency before they accept it.
Customer stories
Illustrative stories showing how the platform is used.
Cebu, Philippines
Family textile stall
A US$800 loan fully repaid in 12 months, every installment shown to its lenders.
See it in the demo
Bandung, Indonesia
Fabric trader
Second loan of US$2,000 after the first was repaid on time.
See it in the demo1.4B
adults worldwide still have no bank account
Source: World Bank, Global Findex 2021
140M
people already borrow from microfinance institutions
Source: Microfinance Barometer 2019
80%
of those borrowers are women
Source: Microfinance Barometer 2019
The Harvest Circle platform
Everything a lender and an MFI need to move dollars to small businesses, and prove where they went.
Plain US dollars
Fund by card, ACH or wire. No wallets, tokens or exchanges. One currency in, the same currency out.
Follow every dollar
Each loan has its own ledger with bank reference numbers, so you see who you funded, what was repaid and what is still owed.
Pro-rata repayments
When a borrower repays, each lender's USD balance updates by their share. Withdraw to your bank whenever you like.
Verified on both sides
Every MFI and lender passes an ID and selfie check plus OFAC sanctions screening. Borderline matches go to a human reviewer.
Faster to the MFI
Once a loan is fully funded, the principal is released to the MFI's bank account by USD wire. No chain of intermediaries.
Local value up front
MFIs see today's value in their local currency before a loan is funded, so everyone knows what the dollars are worth where they land.
Introducing the Starter plan
Start lending or listing in US dollars with a plan built for individuals and small MFIs.
14-day free trial
Starter
$29/month
- Verified marketplace access (KYC + sanctions screening)
- Fund or list loans in US dollars
- Card, ACH and wire funding
- Automatic pro-rata repayments to your USD balance
- Personal impact dashboard
- Community forum
Pro
For growing teams$79/month
For impact funds and growing MFIs moving serious capital.
- Everything in Starter
- Local-currency value on every loan
- Portfolio-wide impact and SDG reporting
- Priority USD wire disbursement
How a USD loan moves
1US$
MFI lists a loan
A licensed MFI posts the borrower, purpose, amount in USD, rate and term.
2US$
Lenders fund in USD
Verified lenders fund any amount by card, ACH or wire until the loan is full.
3US$
USD wire to the MFI
The full principal goes to the MFI's bank account, which lends it on locally.
4US$
Dollars come back
Repayments are split pro-rata into each lender's USD balance, ready to withdraw.
The hard questions
Why US dollars and not local currency or crypto?
Most microfinance institutions already raise their wholesale funding in US dollars. Keeping every loan in USD means lenders never touch an exchange, and the MFI converts once, locally, through its own bank. You see the local-currency value before you fund.
How do I put money in and take it out?
Fund a loan by card, ACH or bank wire. Repayments land in your USD balance on the platform, and you can withdraw that balance to your own bank account at any time.
Microfinance is regulated differently in every country. How can one marketplace handle that?
We build on local regulation rather than replacing it. Only licensed MFIs can list loans, and we record each institution's registration and license number during onboarding. The MFI stays the lender of record in its own market.
Do micro-borrowers need a smartphone or a bank account?
No. Borrowers deal with their MFI exactly as they do today, through the same loan officers. The MFI handles everything on the platform for them.
Why should I trust a new platform with my money?
Start with the 14-day free trial, fund one small loan, and follow its full trail, from your payment to the wire to each repayment, before committing more.
See the platform with sample loans today
- No obligation
- Fully working demo
- No card required