Since 2013, Genuine Interest has offered our lenders much better returns than their banks - while creating positive social impact in both developed and emerging economies.
Since 2013, our investments have generated 15% p.a. on average. We return a fixed 10% p.a. to our lenders.
30 days' notice is required for withdrawals / redemption. No minimum lending period.
Since 2011, we have lent our own money with the same data-driven approach we offer to lenders ... so, lenders' interests and ours are always aligned.
We don't take salaries, commissions or fees. Instead, we allocate returns above 10% p.a. to social impact initiatives through our partners.
Most banks' financial offerings are designed to drive massive returns for shareholders, not depositors. Banks regularly generate >20% returns on their investments, but return <2-4% to their depositors. In our view, that's not equitable, and widens the rich-poor gap in developed countries.
We have created a better way to lend with our systematic approach that has generated 15% p.a. for the founders - consistently - since 2011. Our lenders benefit from the same system in which we ourselves are personally invested.
Our system helps us put more money in lenders' pockets and create impact for communities around the world. Because doing well and doing good don't need to be mutually exclusive.
Lending with Genuine Interest is easy, but we're an invitation-only platform. If you're friends with a current lender or would like to learn more, please contact us.
Here's how it works:
Our team's experience includes deep quantitative, statistical, risk, regulatory and social impact expertise.
Co-Founder and Managing Partner
Independent External Auditor
Jeremy is a Senior Technical Advisor to the UN Development Programme, and has more than 20 years of experience working in executive management and development positions in the United States, Asia, Europe and Africa.
He has created and implemented solutions in a wide range of sectors; and for national, regional and state governments. A founding member of an Italian community bank, he is passionate about investing in families and businesses to build stronger local communities. Jeremy holds degrees from Auburn University (Engineering) and Duke Fuqua School of Business (MBA).
Victor is the Chief Data Scientist at SAP Ariba. He brings more than 17 years of experience in statistical risk assessment and analysis, as well as in-depth knowledge of banking software and scoring solutions.
He spent 11 years at FICO leading the risk analytics teams as a Senior Consultant and then served as the Head of Risk Analytics, Measurements, and Experimentation for Paypal and eBay. Victor holds MS degrees from Stanford University in Statistics and Epidemiology; and a BA from Columbia University in Pre-medical Studies with a concentration in Physics.
Antonio is a senior regulatory and compliance executive, with a career spanning fintech, financial markets infrastructure, asset management, compliance and technology. He has worked with institutions and clients such as SWIFT, the Securities Commission of Malaysia, and the Dubai Financial Services Authority.
He is currently the CEO of Funder Exchange and a Partner at ATAS Capital, and holds degrees from Virginia Commonwealth University (Finance) and INSEAD (Global Executive MBA).