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12% up to 36%
annually on your money.
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Hi! We're the Positiviti Partners.
What is Positiviti Lending?
Positiviti Lending is a peer-to-peer (P2P) lending platform that distributes your investment in the form of small loans to entrepreneurs with medium and small micro-enterprises (MSME's) in Kenya.
This type of financial aid allows them to grow within their own community and lift themselves out of poverty as opposed to traditional aid from foreign governments.
Thanks to the mutually beneficial nature of micro-lending, Positiviti is able to offer borrowers lower interest rates, you higher returns on your money and a method to make a difference.
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Here's the problem...
Most lending institutions in Africa only pay attention to the top 1% and ignore the MSME's that make up the other 99%. According to IFC 2020 data, the continent is currently facing a $331 billion gap in commercial and industrial lending for the 99%, resulting in economic slowdown and widespread poverty.
This problem extends beyond Africa, as nearly one-third of the global population is unable to participate fully in their respective economies due to this financial bias, which is largely because of the limited access to traditional financial services.
The lack of credit reputation and available capital makes it nearly impossible for individuals to overcome poverty. In desperation to provide for their families and maintain their businesses, many will resort to loan sharks that charge predatory interest rates and ultimately throw the borrower into life-long debt, thus perpetuating the negative cycle.
The goal is to even out the playing field through micro-loans.
The remedy:
Mobile banking has recently become a game-changer for many developing countries that face these issues, and more people in rural areas are now able to access a broader range of financial services via smartphone.
Peer-to-peer lending is taking the investment market by storm and revered as an innovative solution to spur economic growth by providing small, manageable loans to individuals who may not qualify for traditional bank loans. This gives borrowers the opportunity to establish their credit reputation and put them on the radar for bigger loans down the road.
Positiviti's lenders are simultaneously able to achieve their financial goals up to 10x faster than other platforms because of the outstanding demand that micro-loans satisfy, as well as the platform's proven lending strategy which offers consistent returns and an overall safer alternative to other strategies.
With micro-loans, business owners can invest in stock, equipment, education, and more...
The AFRECASH app
It functions like any other loan service by enabling borrowers to apply for a loan directly through the app. It's also used to review potential borrowers’ profiles and offer funds based on their creditworthiness (or other criteria they prefer).
Once approval is granted, funds are transferred securely to eligible borrowers' accounts within minutes after paying appropriate fees.
As the lending company, Positiviti has access to a large pool of potential borrowers, while borrowers are able to obtain the funds they need almost instantly.
Since establishment in September of 2018, Positiviti Lending's micro-loan portfolio and client base has grown 1,000%.
What's the secret?
Compared to other micro finance companies, Positiviti is able to offer a lower monthly interest rate for borrowers, along with rural borrower support and flexible repayment options.
Additionally, to reduce the potential of a concentrated loss, loans are distributed to a pool of borrowers. Loan dispersment is a key strategy for consistent returns.
What makes Positiviti different?
Vs. the industry average of 6.8%. Loans are distributed to carefully selected borrowers to ensure the chances of defaulting are next to none.
Positiviti's Co-Founder, Dr. Berry Odhiambo, was born and raised in Kenya. His desire to make a difference along with his deep understanding of economics and the specific needs of his community is why Positiviti exists today.
Positiviti's platform primarily consists of individual investors rather than accredited investors or venture capital firms. This promotes long-term sustainability rather than short-term profit maximization.
Positiviti is bridging the gap between financial accessibility and rural communities with over 200 field agents across the country who help identify suitable borrowers and assist in loan repayment collection.
This platform will generate cash flow in 12 months with the option to stay in the platform and let that money compound annually.
Positiviti's partnership with AFRESA Credit Union, which currently consists of 65,000 members & operates in Nairobi and Kisumu, gives borrowers access to additional resources such as financial education and other products and services.
Why Kenya?
Along with Dr. Berry Odhiambo's (Co-Founder of Positiviti) roots in Kenya, it serves as the economic, commercial, financial, and logistics hub of East Africa.
Kenya is a leading economy in sub-Saharan Africa with a domestic market of over 50 million people, and much of the younger populace is fluent in English and technology.
The country has a strong bilateral relationship with the United States, with efforts to promote trade and investment through agreements like the Strategic Trade and Investment Partnership (STIP). It is also a member of significant trade organizations such as the East African Community (EAC), the Common Market for Eastern and Southern Africa (COMESA) and the Africa Continental Free Trade Area (AfCFTA), which all provide access to broader markets within Africa.
Your involvements impact:
Increased access to credit
Micro-lending provides access to credit for people who may not be able to obtain loans from traditional banks, such as those living in low-income or rural areas.
Economic Empowerment
Micro-lending helps individuals and families lift themselves out of poverty by increasing their income and improving their standard of living. Over 10% of Kenyans have been lifted out of abject poverty.
Job Creation
Micro-lending helps to create jobs and stimulate economic growth in communities by providing funding for small businesses and entrepreneurs.
Community Development
Micro-lending can also help to develop communitites by providing funding for public goods, such as schools and health clinics, and can also create a sense of ownership and empowerment among the community members.
What to expect when you Start Lending with the Positiviti Platform:
12% - 36% Annual Returns
Easy Management
Monthly Interest Gain Reports
Easy Enrollment Process
Transparency & Security
Portfolio Diversification
Consistent Cash Flow
Women Empowerment
Lending Levels
Investments below
$50.0k
Earn 1%
Dividend Monthly
Annual Returns:
12%
Investments over
$50.0k
Earn 3%
Dividend Monthly
Annual Returns:
36%
Investments over
$1.0m
Earn 3%
Dividend Monthly
Annual Returns:
36% + 3% Bonus
Trustpilot Reviews
See what people are saying about Positiviti Lending...
-Maria G. Tena Hernandez
-Chennie
-JIMMY
-CRAIG A
-Livier Figueroa
-Fernando Pena Echeagaray
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Serving the California & Florida coasts.
6977 Navajo Rd.
Suite 182
San Diego, CA 92119
dsmith@positivitilending.com
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336 Mariner Dr.
Tarpon Springs, FL 34689
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