What we offer
Lo que ofrecemos
From your first fair loan to community savings — built for people banks overlook. Desde tu primer préstamo justo hasta el ahorro comunitario — para quienes los bancos ignoran.
No FICO required. Community-backed loans built around trust, repayment behavior, and financial progress.
Sin FICO. Préstamos comunitarios basados en confianza, comportamiento de pago y progreso financiero.
Apply now → Solicitar →Five people, one pool, rotating savings — the ROSCA tradition your abuela knew.
Cinco personas, un fondo, ahorro rotativo — la tradición que tu abuela conocía.
Learn more → Saber más →Your financial reputation level — visible, understandable, and earned through trust.
Tu nivel de reputación financiera — visible, comprensible y ganado con confianza.
See tiers → Ver niveles →Bilingual AI counselor who explains loans in plain language — not fine print.
Consejera bilingüe que explica préstamos en palabras claras — no letra pequeña.
Say hello → Saludar →The Real Cost
When banks say no, the only options left are expensive ones. Susu Lend changes that.
Typical Payday Loan
Borrow $500 → pay back ~$691 at 400%+ APR. No path to build credit. No one vouches for you.
Susu Lend Path
Same $500 need → fair community pricing. Your Susu Score grows with every honest step.
How It Works
Cómo Funciona
We meet you where you are — from community savings to your first fair loan to a partner bank. Te encontramos donde estás — desde ahorro comunitario hasta tu primer préstamo justo.
You have credit history. We connect you to a bank partner for rates that respect you.
Tienes historial de crédito. Te conectamos con un banco aliado con tasas justas.
No FICO? No problem. Your Susu Score and community vouches replace the credit bureau.
¿Sin FICO? El Susu Score y tu comunidad reemplazan al buró de crédito.
Apply now SolicitarFive people, one pool, rotating savings — ROSCA tradition. Build trust before you borrow.
Cinco personas, un fondo, ahorro rotativo. Confianza antes de pedir prestado.
"The system wasn't built for someone like my father."
— Pedro Escobar, Founder & CEOOur Story
My father arrived in America and worked as a janitor at the World Trade Center. When emergencies hit, banks turned him away — so he turned to a susu circle, pooling trust with neighbors to survive. That experience laid the foundation for everything Susu Lend represents today. Mi padre llegó a América y trabajó como conserje en el World Trade Center. Cuando llegaron emergencias, los bancos lo rechazaron — así que recurrió a un círculo susu, uniendo confianza con vecinos para sobrevivir. Esa experiencia sentó las bases de todo lo que Susu Lend representa hoy.
Fair, Transparent, Honest. →"Everyone deserves a fairly priced lending product."
— Pedro Escobar, Founder & CEO
Susu Score™
First loan. Building trust.
Consistent. Growing.
Vouching. Leading.
Borrower becomes investor.
Why the system fails them
Por qué el sistema los falla
The credit system wasn't broken by accident. Here's the proof. El sistema de crédito no se rompió por accidente. Aquí está la prueba.
Of American households are renters — most of their monthly payments are never seen by a credit bureau
De los hogares americanos son inquilinos — la mayoría de sus pagos nunca son vistos por un buró
Americans in the gig economy — irregular income that traditional scoring can't evaluate
Americanos en la economía gig — ingresos irregulares que la puntuación tradicional no puede evaluar
Applied for credit. Denied. One in eleven — not because they couldn't repay, but because the system had no way to see them
Solicitaron crédito. Denegado. Uno de cada once — no porque no pudieran pagar, sino porque el sistema no tenía forma de verlos
Median liquid assets of a credit-invisible household — when your safety net is this thin, a $500 emergency is a crisis
Activos líquidos medios de un hogar invisible al crédito — cuando tu red de seguridad es tan delgada, una emergencia de $500 es una crisis
¹ Consumer Financial Protection Bureau (CFPB), 2025. ² Johns Hopkins / Health Affairs, 2024. ³ Federal Reserve Survey of Consumer Finances (SCF), 2022. ⁴ Federal Reserve Survey of Consumer Finances (SCF), 2022.
Manage your loans, track your Susu Score, and connect with your financial community — all in one place.
Ask Tía anything, in English or Spanish. She'll explain what your loan actually costs, what your Susu Score means, and what your next step should be — in plain language, not fine print.
"I explain what your loan really costs the way your tía would — honest and plain, never fine print. In English or Spanish."
"Te explico lo que de verdad cuesta tu préstamo, como lo haría tu tía: con honestidad y claridad, nunca en letra pequeña. En inglés o en español."
— Tía, Susu Lend AI counselor · Bilingual EN/ES
2026
2024
2025
2024
Programs & Communities We're Part Of
Greenville, SC
"We built something real. We're about to turn it on."
Launching with real families in the Upstate. Early applications help us prove community-based lending works — and earn your spot in the next round.
Join the waitlist · No FICO required · ~5 min