YOUR TRUST.
OUR DILIGENCE.
VLEND ensures every dollar is backed by careful oversight and ethical practices, so you can support causes you believe in with confidence.
YOUR GUIDE TO MINDFUL LENDING.
While microloans empower borrowers in underserved areas, they also involve risks. We help you understand these risks—so you can lend confidently and consciously across different loan types.
Navigating Lending Risks with Confidence
At VLEND, we believe in honesty alongside impact. Though we actively work to maximize repayment success, all loans inherently carry some risk, and we ensure you understand them clearly.

Our Commitment: Transparency and Diligence

To serve borrowers effectively, we work with local Field Partners. These partners provide vital on-the-ground support but also carry potential risks like bankruptcy, fraud, or operational issues.
That’s why every partner undergoes strict due diligence—because your trust requires our utmost care.
Why Loans Carry Risk
Even the most promising small businesses face challenges. We believe in transparency, so you should know that borrower defaults can result from:

  • Business setbacks like crop failure or slow sales.
  • Personal crises including illness or accident.
  • Unforeseen events such as theft or regional instability.

While we cannot eliminate all risk, we work diligently to minimize it at every stage.

VLEND operates in U.S. dollars, so currency fluctuations can impact your repayment amount.

  • Risk for Borrowers: If a loan is in a local currency and the U.S. dollar strengthens, the repaid amount may be worth less when converted. This is always disclosed on the loan's details page.
  • Risk for Lenders: If your home currency isn't the U.S. dollar, exchanging funds to lend and to withdraw repayments may result in a gain or loss based on exchange rates.