100% loss of funds if companies don't pay. First few investments were great; dump some cash, wait a few months, pocket the interest, rinse & repeat. Except when some Kickfurthers paid zero - nothing - and then the final payment date passes. Your investment cycle is broken, your cash in limbo for who knows how long (if you're even getting it back). There are mechanisms for Kickfurther to cancel co-ops and obtain merchandise (if the merchant responds). There are mechanisms to settle for lower repayments (if the investors agree). There are also many many many ways a company that took a loan from Kickfurther can effectively ignore them while still raking in sales. Kickfurther doesn't send debt collectors, file lawsuits, seize collateral. The burden falls onto you, the investor, to sit it out and plead for the company to repay.

Deeply unethical company - Stay Away Deeply unethical company. They spam your email, try to sell you their product, then lie about how much funding your business is eligible for. Their customer service is terrible from my experience. I've been blatantly ignored with my concerns except when I was cold pitched I was called immediately after I had asked for a phone call. We were testing the waters, funding wasn't necessary nor are we desperate. Business is fine for us, but now we know if we need it, we shouldn't deal with them.

Smooth transaction Smooth transaction. I sought inventory funding to grow our product selection. They vetted my business fairly thoroughly, more than I expected, but fairly straightforward paperwork we keep. The transaction funded quickly. We are not yet through the payment phase, but we hope to use again in the future when the needs arises.

We met Kickfurther representatives at Expo East We met Kickfurther representatives at the Expo East Gourmet Food Show about a month ago. We manufacture and sell high end sea salt with a variety of blends and infusions. We were able to receive funding at very reasonable terms for much needed inventory purchases for the holiday season. There consignment formula is a great way to grow your business compared to traditional bank and finance companies. The process goes very smoothly with a Kickfurther representative that helps to at each step. We are looking forward to working with Kickfurther on many more co-ops.

Don't do it I started investing with KF in 2019. I've had a net loss over that time period because deals keep going south and KF doesn't do anything to enforce payment. Some deals work out great. But in my experience as a whole, you are much better off finding something else.