Okapi P2P Financial Services connects everyday borrowers with everyday lenders — transparent, fixed-rate loans funded person to person, without cutting the bank in.
$1,000 funded across 1 loans so far
Tell us the amount, the reason, and the term you want. We'll turn it into a credit-scored listing that real lenders can choose to fund — often faster than a bank, always at a fixed rate.
Request a loanBrowse verified loan requests by risk grade and rate, fund the ones you like from your wallet, and collect repayments automatically — or set rules and let auto-invest do the picking.
Start lendingEvery borrower is automatically scored and assigned a grade from A to E. Your grade sets the rate range lenders will see — better credit history means a lower rate, not a longer negotiation.
Borrowers submit a loan request with amount, purpose, and term.
Requests are reviewed, then listed for lenders to browse.
Lenders fund all or part of a loan from their wallet balance.
Once approved and disbursed, a repayment schedule begins.
Repayments are split pro-rata back to lenders, minus a small platform fee.
This isn't an anonymous marketplace. Every account is checked before any money changes hands.
Every borrower and lender verifies a government ID before funds can move
Automated credit scoring speeds up review without replacing human judgment
Fixed, fully amortizing repayment schedules — no surprise fees or rate changes
Whether you need funding or have capital to lend, your account takes minutes to set up.
Create your account