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20,000+ loans in 12+ years - 99.45% repayment rate & 97%+ of donations put directly into making loans!
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Latest P2P Loan to be Funded (USA Fund)

This is one of the latest loans we're making in our USA Fund which supports USA-only borrowers. Besides our general fund, P2P has special funds set up for personal housing, youth (24 and under), single parents, women entrepreneurs, and education. "Valeria is a single mother with two daughters, 19 and 10 years old living in the San Francisco Bay Area, and has been severely impacted by the COVID-19 emergency which has put her job on hold due to the shelter-in-place order. Valeria is experienced in event planning and has job opportunities with a local event production company as soon as work picks up in the area again. She also has years of experience as a nanny and can provide childcare. Valeria's loan application has been vetted by Poverty2Prosperity.org. Please donate to our USA Fund to help fund her loan."

Poverty2Prosperity (P2P)

Poverty2Prosperity (P2P) is a San Francisco Bay Area CA-based 501(c)(3) Non-Profit Microfinance organization engaged in the goal of alleviating and breaking the cycle of poverty by providing zero-percent interest loans to the working poor. We are a 100% volunteer organization which helps to keep our overhead low - 97% of donations go directly into making loans.

P2P is focused on providing zero-percent interest loans to developing-world entrepreneurs who do not otherwise have access to working capital from traditional banks and credit institutions. By providing a 'help out' rather than a 'hand out,' these loans form the basis of a renewable source of economic stimulus; once the loan is paid back, it can be re-loaned to another deserving entrepreneur. During our first ten years, we've expanded our funds to include those specifically for Education, Women, Youth, and Personal Housing, all things that help people break the cycle of poverty by giving them the ability to get a job and keep a job (besides employing others, caring for others, and also giving children the opportunity to get an education and have a safe place to live).

Why is this so Amazing?

Here's what's amazing and why you should be interested. When you make a donation to an organization it spends it on goods and services for the cause they support. The difference with P2P is that we are making zero-percent loans and that means that the money you donated is re-paid back to P2P - AND we loan it right out again to another entrepreneur trying to work their way out of poverty.

That's not even the truly amazing part. What's truly amazing is that our repayment rate over the past ten years is 99.45%. Let us put it in these terms; We received an initial donation when we founded P2P of $1,000. That donation is still funding loans today and at our repayment rate, it will for about another 90 years. Have you ever heard of making a donation that keeps helping people over and over for about 100 years? We like to call it a renewable economic resource, because that's exactly what it is.

P2P follows an asset allocation/protection plan when funding loans and we use the Kiva.org lending platform to find our borrowers. We have received the following achievment awards from Kiva for loaning: Anti-Poverty Focus, Entrepreneurial Support, Family and Community, Vulnerable Group Focus, Client Voice, Facilitation of Savings, and Innovation. We support loans to Agriculture/Food Production, Food Transportation, Clothing, Education, Health, Manufacturing, Arts, Construction, Housing, Renewable Energy, and more while avoiding some loans such as cigarette sales, off-license liquor, pubs, and non-renewable energy source (e.g. charcoal).

Our Perpetual Funds

P2P has a number of funds it manages from general loaning funds to specific funds such as those for women only, education/tuition fees (as we recognize this as an additional way to break out of the cycle of poverty), to a loan fund that attempts to save loans from expiring and going unfunded, and even a Honor/Memorial Wall fund to honor those we love. We even have individually named funds from donations for individuals who wanted to be able to track their donations in a single fund. We call most of these accounts, Perpetual Funds, because once funds are deposited into them, they cannot be removed. Please see our Funds Page for a listing of all of our funds with descriptions.

Donate Now! Make a donation that's going to work hard for about 100 years

It's simple - we need more donations so we can fund more loans at a time. There are deserving loans going unfunded at this time and we'd like to be able to do something about it. Don't trust us because we ask you to, trust us because of our results. Ten years of loaning and a 99.44% repayment rate. P2P is a US registered 501(c)(3) tax exempt organization, so your donations are tax-deductible to the extent permitted by law. You can make a donation to any of our funds via our Donations Page.