Social Lender is a financial services solution based on social reputation on mobile, online and social community platforms. Social Lender is a fintech startup changing the lives of thousands in Africa (currently 2 Countries – Nigeria & South Africa) by giving them access to formal financial services. It uses an Innovative Model (Social Reputation Scoring) and is available to users that have and do not have smartphones (using USSD and SMS channels). The solution is designed to bridge the gap of immediate access for people with limited access to formal financial services. Social Lender uses its own proprietary algorithm to perform a social audit of the user on mobile, on social media, online and other related platforms and gives a Social Reputation Score to each user. Financial Services are guaranteed by the user’s social profile and network.