8lends is a bridge between investors and real businesses. We cut out intermediaries, banks, and unnecessary fees, making the use of funds direct, transparent, and efficient.
Here’s how it works, step by step:
1. Business selection
We choose companies that need funding for growth. For example, to expand production, buy equipment, or open new branches. Every business must have real potential and a solid plan.
2. Verification and audit
Before listing, each company goes through a full audit: documents, financials, credit history, and collateral (such as real estate, equipment, or inventory). We only approve projects we’re confident can meet their obligations.
3. Legal framework
If approved, we sign binding agreements covering the loan amount, interest rate, repayment schedule, and collateral obligations. These aren’t promises – they’re enforceable contracts that protect our investors.
4. Listing on the platform
The project appears on 8lends with all details published: company profile, loan terms, and collateral. Investors can review everything before making a decision.
5. Investing in a few clicks
The minimum investment is just 100 USDC. Choose a project, click invest, and funds are transferred via smart contract.
6. Interest calculation
The business uses the funds, and you start earning fixed interest. Payments follow the agreed schedule and are visible on-chain – everything’s transparent.
7. Investor protection
If a borrower fails to repay, the collateral is liquidated and proceeds are returned to investors. This way, investments are secured both legally and practically.
💡 The idea is simple:
You invest in real companies, backed by collateral and legal contracts. Businesses use your capital to grow and return it with interest.
Need more details? Watch our video overview of the platform.