How It Works

Dear Investor,

The offer is being made by the Offering Circular only.

The Certificates will be issued in the minimum amount of $1,000, and in multiples of $100 for any amount greater than $1,000.

The Certificates will be offered in maturities of 6 to 18 months from the date issued, with a fixed interest rate depending on the term.

The interest rate for each Certificate is based on the following formula and varies according to the term of the Certificate as follows:

6 Months Certificate Rate = 6 Months T Bill plus 5.75%.
9 Months Certificate Rate = 6 Months T Bill plus 6.25%.
12 Months Certificate Rate = 1 Year T Bill plus 7.75%.
15 Months Certificate Rate = 1 Year T Bill plus 8.25%.
18 Months Certificate Rate = 1 Year T Bill plus 9.00%.

(1) The T-bill rate as based on the rate as of [1/2/2012]
(2) These rates are effective until the first Monday of next month.

The interest rates for the Certificates are set on the first Monday of each month at the start of the business day, based on the T Bill yields that day. Such rates are paid on all Certificates issued between the start of business on that Monday and the close of business on the last day prior to the first Monday of the next month. Interest is calculated and accrues daily based upon a 30-day month and a 360-day year.

Attention Investors

The announcement is neither an offer to sell nor a solicitation of an offer to buy any securities in any jurisdiction in which an offer or sale of the securities is not permitted. The Certificates have only been qualified for sale to residents in the following states: Pennsylvania, Washington D.C and New York. The Certificates are not being offered or sold to residents in any other states. The Certificates may also be offered and sold to persons who are not U.S. Residents.

This offering is made only by the way of the Offering Circular and the Subscription Agreement. If you have any questions or concerns, please contact OUR MicroLending, LLC at 305-854-8113 OR EMAIL This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

The Certificates are not FDIC insured.

Please see "Risk Factors" Beginning on the page 3 of the  Offering Circular.

Feel free to read the Order Declaring The Offering Statement Qualified(SEC)

Are You Ready To Invest?

*Disclaimer: The announcement is neither an offer to sell nor a solicitation of an offer to buy any securities in any jurisdiction in which an offer or sale of the securities is not permitted. The Certificates have only been qualified for sale to residents in the following states: New Jersey, Washington DC and Illinois. The Certificates are not being offered or sold to residents in any other states.

The Certificates may also be offered and sold to persons who are not U.S. Residents. 

This offering is made only by the way of the Offering Circular. If you have any questions or concerns, please contact OUR MicroLending, LLC at 305-854-8113 or email  This e-mail address is being protected from spambots. You need JavaScript enabled to view it .