P2P Lending for the People You Trust
HandUp turns informal loans between friends and family into structured, documented, and automatic agreements — so no one's guessing, and no relationship gets strained.
How it works
Set the amount, term, and interest rate. We walk you through IRS-compliant options so your loan stays a loan — not an unintended gift.
No public listings. You send the link only to people you trust. They review the terms and decide how much to contribute.
Once funded, ACH payments split proportionally across all your lenders. Everyone gets paid on time, every time.
Why HandUp
Multiple people can fund a single loan. Each lender tracks their own balance and receives their share of payments automatically.
Every loan creates a signed document with terms, APR, and repayment schedule. No awkward conversations — just clarity.
Any below-market loan — to family, friends, or anyone — can trigger IRS gift-tax treatment on the forgone interest. We calculate the right rate and explain what's at stake.
Borrowers can opt in to have on-time payments reported, helping them build credit history through people who already believe in them.
Recognize lenders who show up for their community. Build a track record of generosity.
Bank-to-bank transfers via ACH — no credit card fees, no intermediary wallets. Payments move the way money is meant to move.
Let me help you grab the laces
Whether you're the one who needs it or the one who can provide it — HandUp makes it real, fair, and lasting.