How much can you lend? What documents do we need to open your account? Who can lend on the platform? When will you receive your repayments?….We’ve covered every question you can think of (and some more)!

What is Fundkiss?

Fundkiss is a digital lending platform. We allow SMEs to borrow directly from individual and institutional investors, while creating impactful investment opportunities.

We allow existing businesses with at least two years of operations to borrow directly from our lender community in the form of unsecured business loans. In return, our lenders get access to a new asset class and earn returns in the form of interests.

Why should I invest with Fundkiss?

• Fully online digital investment experience. All you need is a smartphone!

• Start as low as MUR 5,000 

• Choose the SMEs you wish to lend to

• Interest income taxed at 3% only 

• Have an impact on the local economy 

• No fees 

How is Fundkiss regulated?

Fundkiss operates under a Peer-to-Peer Lending license issued by the Financial Services Commission of Mauritius.

Who can invest?

Individual and institutional investors can lend directly to SMEs on our platform. You decide which project you wish to lend to.

An individual investor can invest between MUR 5,000 to MUR 100,000 per project. An individual investor can lend upto a total of MUR 1,500,000 per year on the platform.

An institutional investor can invest between MUR 5,000 to MUR 1,000,000 per project. An institutional investor can lend upto MUR 3,000,000 per year on the platform.

How can I start lending?

In order to start lending you will need to complete the following steps:

  • Sign up as a lender on
  • Upload a copy of your ID (National Identity Card or Passport) and proof of address (less than 3 months old)
  • Header of your bank statement showing your bank account number

Once these documents are uploaded, your account will be verified within 24 hours and you will be able to start lending.

How are the businesses selected?

Less than 5% of applications received go live on

All applications go through a diligent credit assessment process by our credit team where applicants are assessed on their financials, their market and the management of the business.

You can read more here: Credit Assessment at Fundkiss.

How will I receive my repayments?

Once the SME receives the disbursement after campaign completion, lenders on that project start receiving monthly repayments made up of capital and interest components and continue through the terms of the loan.

Your monthly repayments are directly credited into your Fundkiss Wallet. You may choose to re-invest your repayments to other projects or transfer them to your bank account.

How and why should I diversify my investments?

Investing through the Fundkiss platform involves financing Small and Medium Enterprises in the form of unsecured business loans. As a lender, you could lose part or all of your investment due to non-performing loans. We advise all investors through the platform to spread their investments over several projects to limit risks.

For instance, investing MUR 5,000 across 20 projects would be safer than investing MUR 100,000 in a single project.

This way, if a loan does go into default, the impact on your overall portfolio is contained.

What happens if a project does not reach its goal during the campaign?

The project is then considered unsuccessful and is made unavailable on the platform. As a lender, you will be reimbursed the amount you may have lent.

What happens in case of non-performing loans?

Lending to SMEs poses a risk of capital loss due to non - performing loans: delays and defaults.

Fundkiss manages the process of debt collection and default management for the lenders. We work with a partner for legal collection.

You can read more here:  Monitoring and Recovery at Fundkiss.

What are the tax incentives for lenders?

Investors that lend on FSC regulated P2P Lending platforms such as Fundkiss benefit from tax incentives on their investments.

Tax rate on your annual interest income is 3% only.

Every year, you will receive a tax certificate from Fundkiss that will reflect your total earnings from the platform, you would use the tax certificate to file your returns. It is the responsibility of the investors to declare their income earned from lending on

You can read more here:  P2P Lending & Taxation.

What fees do I pay as a lender?

No fees. It is free for investors.

Why should I borrow with Fundkiss?

• Unsecured business loans – no collateral or personal guarantee required

• Online, fast, and simple application process

• Quick access to financing

•  Excellent customer service. We help you every step of the way.

Who can borrow?

To be eligible for a loan through our platform, businesses must:

• Have operations based in Mauritius

• To be operational for at least 2 years if it is an SME and 3 years if it is a sole trader

• Have the sufficient repayment capacity

How much can I borrow?

You can get financing for your projects from MUR 50,000 to MUR 5,000,000. The repayment time can be between 3 to 60 months.

What are the interest rates?

Our interest rates range from 12% to 15% p.a.

On the flipside, our loans are unsecured and do not require any collateral or guarantee from you.

How do I apply for a loan?

The first step is to register online. A team member will contact you within 24 hours to understand your financing requirements and ask you for documents to support your application.

Need more information? Email us on [email protected] or give us a call on 218 2195.

What documents do I need to submit?

We need your BRN, bank statements, and other financial documentation from your business. We will also need KYC documents of the business owners/Directors. A team member will guide you through the list of documents needed, which you will also receive in an email.

Other documents may be requested later, if needed, to finalize the credit assessment.

When will I receive a response?

Once we have received the necessary information, we will do our best to get back to you within a week. If your project is accepted, our offer will specify the amount, rate, and duration.

How does the online campaign on work?

Once the facility agreement has been signed, your project is published on our platform so that our community of lenders can lend.

For lenders to be able to invest, they must have access to: information about your company, its history, a description of your activity, the project you wish to have financed and certain financial insights. We take charge of presenting this information in a clear layout, and you validate it before we publish your project online.

How long does the funding take?

Once you have signed the facility agreement, your project will be published on our platform. Investors will now have 30 days to lend to your project. The average campaign duration is 7 days.

Once the project is funded on the platform, the amount is disbursed to you within 3 working days.

Is my project guaranteed to be funded once it is on the platform?

The funding of your project depends on our lenders and their willingness to invest in your project. It is not guaranteed that your project will be funded. However, this is an extremely rare occurrence.

Who are the lenders?

Our lender community has two types of investors - individuals and institutions.

Are there any fees involved?

You are only charged upon successful financing of your project.

A success fee of up to 5% of the amount raised and administrative fee of up to 3% on repayments, which is included in your monthly repayments.