Givfunds raises donations to fund low cost loans(0-4% per annum) across multiple rounds to thousands of social enterprises across South Asia/South East Asia. Our proprietary solution provides a low-cost and accurate method of lending at scale. We intend to solve the problem known as the “missing middle” or “pioneer gap” in thousands of social enterprises across South Asia. This is the financing gap between US$10,000 – US$250,000 where medium social enterprises across Asia/Africa have no access to finance. 70 -90% of impactful social enterprises fall within this gap. Our partner organisations, enable us to reach social enterprises who need loans, thereby increasing their effectiveness and impact and lowering risk for us. This method, with our loan management system, allows us to create “automatic investments” in a large portion of social enterprises. What is currently missing is a method to direct capital to this gap at scale and increase transparency in funding. Current due diligence processes are expensive or inaccurate to cater to this size of loans. Using our in-house expertise, we created a scalable due diligence and loan management process which is low-cost, accurate and ensures high repayment rates.