Our Commitment to Responsible Lending
At MicroLendr, we believe access to capital should empower businesses — not create unnecessary financial strain. Responsible lending is central to how we design our products, evaluate applications, and support borrowers throughout the financing process.
Our goal is to provide fair, transparent, and sustainable financing solutions that help businesses grow while maintaining financial health.
How We Practice Responsible Lending
1. Transparent Financing Options
We clearly communicate key loan details before any agreement is finalized, including:
- Loan type (Line of Credit or Term Loan)
- Funding amount
- Repayment terms
- Fees and costs
- Payment schedules
Borrowers are encouraged to review all disclosures carefully and ask questions before accepting any offer.
2. Ability-to-Repay Considerations
MicroLendr evaluates each application using a range of factors designed to assess the business's ability to manage repayment responsibly. These may include:
- Time in business
- Revenue and cash flow indicators
- Industry risk factors
- Requested funding amount
- Overall financial stability
We do not believe in "one-size-fits-all" lending decisions.
3. No Guaranteed Approvals
We do not offer guaranteed approvals or guaranteed rates.
Every application is reviewed individually to ensure financing aligns with the borrower's business profile and capacity.
4. Appropriate Loan Structuring
We work to match borrowers with funding structures that fit their needs:
- Lines of Credit for flexible, ongoing working capital
- Term Loans for larger, planned investments
Our advisors help borrowers understand which option best aligns with their goals and cash flow patterns.
5. Clear Use-of-Funds Expectations
Borrowers are expected to use loan proceeds for legitimate business purposes, such as:
- Inventory purchases
- Payroll
- Expansion or renovation
- Equipment upgrades
- Marketing initiatives
- Cash flow management
- Debt consolidation
We do not support financing for illegal or harmful activities.
6. Ethical Communication
MicroLendr maintains honest, respectful communication throughout the process. We do not:
- Use misleading marketing language
- Pressure applicants into accepting offers
- Hide fees or repayment obligations
- Promote financing that may not be suitable
Our advisors are available to answer questions at every stage.
Fair & Equal Access
MicroLendr is committed to fair lending principles.
We do not discriminate based on:
- Race
- Color
- Religion
- National origin
- Sex
- Marital status
- Age
- Disability
All applicants are evaluated using objective business and financial criteria.
Borrower Responsibility
Responsible lending is a shared commitment. Borrowers are expected to:
- Provide accurate and complete information
- Review loan terms carefully
- Ask questions before acceptance
- Make payments on time
- Communicate proactively if challenges arise
Financing should be a tool for growth, not a source of unnecessary risk.
Ongoing Review & Improvement
MicroLendr regularly reviews its lending practices, underwriting guidelines, and customer feedback to ensure:
- Compliance with applicable laws and regulations
- Continuous improvement of borrower experience
- Alignment with responsible lending standards
Our Promise
We are committed to helping businesses access capital in a way that is:
- Transparent
- Ethical
- Sustainable
- Supportive of long-term success
If at any point you have questions about your financing options or obligations, we encourage you to contact us directly.
Contact Us
📧 support@microlendr.com
✓ Our Pledge
At MicroLendr, responsible lending isn't a policy — it's a principle that guides every decision we make.