Lend and earn from interest

Lend money and earn from interest.

Choose a lending package, follow your money, and receive daily money back from your account. When interest is earned, lenders get 80% of the interest.

Check the package amount, time, and expected money back before you choose.

Start Lending Apply for a Loan

Lender First lender

Lend money and earn from interest.

Choose a lending package and follow your money from your account. When interest is earned, the lender gets 80% of the interest.

Lender share 80%

Interest share 80% to lender

Money tracking Visible

Daily Money Back lender

Your daily money back starts the next day.

After you choose a lending package, your account shows the money coming back each day according to the package rules.

Starts Next day

Account page Easy to follow

Money history Clear

Lender Benefit lender

Lenders get 80% of the interest.

The lender gets 80% of the interest. The platform gets 20%. Always check the package details before you choose.

Interest split 80 / 20

Lender gets 80%

Platform gets 20%

Business Borrowers borrower

We especially welcome business owners.

Business owners can apply and upload proof of business or income. Salary earners and other people can also apply, but every request is checked first.

Borrowers Checked first

Best fit Business owners

Loan offer Not automatic

Simple Borrowing borrower

Apply, wait for review, then accept or decline.

Choose the loan you want, send your information, and wait for review. If accepted, you receive an offer you can accept or decline.

Loan request Reviewed

Borrower steps Apply → Check → Offer

Status Visible

Choose whether you want to borrow or lend, then follow the steps shown in your account.

Lender benefits

Why lend with Borrow & Lend?

Choose a lending package, check the details, and follow your money from your account.

Start Lending

Earn from interest

Choose a lending package and earn from the interest shown before you choose.

Lenders get 80% of the interest

The lender gets 80% of the interest. The platform gets 20%.

Follow your money

Your account shows money in lending, daily money back, money earned, and money you can withdraw.

Start with what you can afford

Choose only the packages you are comfortable with.

Leave early when rules allow

Some packages may allow early payout. The system shows the amount before you continue.

Borrowing

Need money for business or personal needs?

We especially welcome business owners because business income can help with paying back. Salary earners and other people can also apply. Every request is checked first before an offer is sent.

Apply for a Loan

Business owners are welcome

Upload business proof if you have it.

Salary earners can apply

Upload work or income proof if available.

Offer is checked first

Approval is not automatic. You receive an offer only after review.

You choose to accept

If you receive an offer, read it and choose whether to accept or decline.

How it works

Follow simple steps

Choose the right account for you, complete the steps shown in your account page, and check your records as you continue.

Lenders

Create an account, deposit money, choose a package, and track money history.

Borrowers

Create an account, verify your details, request a loan, and review any offer sent to you.

Account safety

Your account safety

We use OTP codes, login alerts, ID checks, and account records to help you follow what is happening on your account.

OTP codes for account actions

ID checks when needed

Account records for deposits, withdrawals, and money back

Clear updates for requests and offers

Use an active payment method

Payments

You will see the payment methods that are active. You may use Mobile Money or Manual Mobile Money Payment when they are available.

Mobile Money

Enter your number and confirm the prompt on your phone.

Manual Mobile Money Payment

For manual payment, send money to the number shown, upload a screenshot, and wait for review.

Frequently asked questions

Common questions

Read simple answers about accounts, loan requests, lending packages, money history, payments, and ID check / KYC.

What is Borrow & Lend?

Borrow & Lend is a web app where people can request loans and others can lend money through lending packages.

Can I register as a borrower or lender?

Yes. You can register as a borrower if you want to request a loan. You can register as a lender if you want to deposit money and choose lending packages.

Can I get a loan automatically?

No. You apply first. The team checks your information. If accepted, you receive an offer. You can accept or decline it.

Can the offer be lower than what I asked for?

Yes. The offer can be lower. It depends on the information you send and what the team approves.

When does daily money back start for lenders?

It starts the next day after your money is put into a lending package.

Can I lend on the same package more than once?

Yes. You can choose the same package again if you have enough money you can use.

View all FAQs