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.

INVESTORS SHOULD STAY AWAY INVESTORS SHOULD STAY AWAY If you're thinking about investing with Kickfurther, don't. While the co-ops seem to have a number of protections such as personal guarantees, UC filings, etc, in practice, none of these are ever used. Kickfurther instead hides behind co-ops failing to meet a vote of "no confidence" by the co-op lenders to take no action against any of the companies that have failed to payback lenders. On it's face, this seems democratic but Kickfurther doesn't take into account lenders abstaining from a vote and since most lenders aren't actively participating on the platform NO VOTE CAN EVER GET OVER 50%. What Kickfurther should do, is look at what percentage of people that voted on an action were in favor or against (aka how any other vote in politics, the boardroom, etc works).

Great when it's good; terrible when it's bad. I've been investing with Kickfurther for several years. When co-ops are successful, it works well, and I would highly recommend it. Unfortunately, all too often co-ops fail, and it's then that I'm really disappointed with the KF process. When things go to collections, a tiny fraction - if anything - is ever recouped. Of course it's an investment, and there's a certain level of risk. However, I do not feel that KF does enough to support buyers when things go wrong. I have never heard of their legal team getting involved although co-ops often have a personal guarantee, and it seems like the case should be litigated. I've definitely made money through KF, but I've also lost more than I care to admit. Bottom line: proceed with caution.

I used Kickfurther once and will never… I used Kickfurther once and will never do so again. Lots of hidden and surprise fees that ruined the economics of their offer entirely. In addition, I did not appreciate being babysat by some 20-something junior team member who clearly had no sales experience.

Great Concept Effective way to support small and growing businesses while earning a profit on your spare cash. Excellent rates of return available for most deals. Kickfurther has really hit its stride in ensuring that it only puts on the platform top notch businesses with very little chance of default. Superb customer service as well.