COSIGN 4 ME
Introducing an innovative platform that creates an ecosystem of borrowing and lending to empower young adults.
Welcome cosign 4 me
Cosign 4 Me is a groundbreaking financing app designed to empower young adults. As the first platform of its kind, Cosign 4 Me connects borrowers with both their personal social networks and investors on the platform, creating a unique and dynamic lending ecosystem.
By leveraging the power of social connections and innovative technology, borrowers can secure the funding they need for personal projects, auto, home or entrepreneurship—while investors gain access to high-potential opportunities.
Sign up as a Borrower
Sign up as a Borrower
Sign up as a Borrower
Signing up is easy and our Borrower Lender quiz will help us understand your financing needs and will aid you in qualifying for maximum lending amounts.
Create a Campaign
Sign up as a Borrower
Sign up as a Borrower
This is where you create a campaign to fund.
Tell the world what you want to buy and why.
Upload docs
Sign up as a Borrower
Upload docs
Upon verifying identity and income, we'll be able to set your loan amount and repayment terms.
Approval
Sign up as a Borrower
Upload docs
Once approved, your campaign will become active. You will be able to ask friends and family for support, and our online group of Lenders will also be able to invest.
Approved campaigns will remain open for 90 days.
How to get your campaign funded
Tap your Inner Circle
Solicit loans from your friends and family. They will earn interest as you build your credit and make payments on your purchase.
Ask for a Donation
Take a donation approach. Lenders can also choose to forgive all or part of your debt. Have a birthday coming up? Your parents or friends can pay down your debt via this method.
Leverage the Platform
Don’t have a large network? Don’t worry! The lenders on our platform are looking for campaigns to invest in. Build a great campaign to entice lenders to finance some or all of your purchase.
How Repayment Works
Once your campaign fully funds, the raised amount will be deposited into your account and your initial loan repayment terms will activate. An initial $199 fee per campaign will be deducted from full campaign amount. A recurring $5 processing fee will be collected with automatic weekly repayment amount. Don't worry, we handle the repayment for your lenders and don't fret, fees only apply to fully funded accounts.
Lenders - INVEST WHERE It's NEEDED Most
Browse Active Campaigns
Sign up as a Lender to Start Investing
Sign up as a Lender to Start Investing
All active campaigns are open to investment. We invite potential investors to browse and choose their favorites.
Remember, these are investment opportunities carrying interest at 8%APR.
Sign up as a Lender to Start Investing
Sign up as a Lender to Start Investing
Sign up as a Lender to Start Investing
Our step-by-step onboarding process makes it easy to get started investing.
Don't worry, if you have an idea for investment, you can also go back later and also sign up as a Borrower.
Submit Basic Credentials to Invest
Sign up as a Lender to Start Investing
Submit Basic Credentials to Invest
We use encrypted software to verify a payment method and identity. This ensures government compliance and helps prevent fraud.
It also gives us a place to deposit your interest and repayments as scheduled.
After Approval - Start Investing!
Sign up as a Lender to Start Investing
Submit Basic Credentials to Invest
You can choose to back a campaign from an individual you know, or choose from any campaign on the platform! Invest as much as you'd like.
If you'd prefer to donate to a campaign to pledge support, you can do that too!
How investment on this platform works
Choose a campaign or two to finance
Solicit loans from your friends and family. They will earn interest as you build your credit and make payments on your purchase.
Make a Donation
Donation approach. Lenders can also choose to donate to a campaign. If actively investing in a campaign, you can also choose to do both.
Repayment
Campaigns remain open for 90 days or until funded, whichever comes sooner. Once the campaign funds, investors will begin to receive repayments with interest deposited directly into your account over the duration of the repayment period. Campaigns carry an 8% APR.
If the campaign doesn't fund, your investment amount will be released to your Cosign 4 Me wallet and you will be able to either re-invest in another campaign or request a refund to your bank account.
Outcomes of a fully-funded campaign
BORROWER
BORROWER
BORROWER
Once your campaign is fully-funded, the money will be released into your account.
You'll be able to make your purchase and weekly repayments and fees will automatically be withdrawn and sent to your investors (i.e Lenders).
LENDER
BORROWER
BORROWER
Weekly re-payments will be deposited directly into the account on file.
Congrats on helping to fund the future!
Let's do it again soon!