No, SoLo enables a marketplace where members make capital requests on their terms while other members can fund those requests. 100% of all funds lent via SoLo are from individual lending members. Individual members fund loans based on their own criteria, which may include a member’s SoLo score, repayment history, or reason for the request. The SoLo score is based on a member’s activity within the app and a cash flow analysis. Borrowing members can’t have a negative balance to use SoLo.