Small loans. Real people. Shared rules.
Potluck connects people who want to lend with neighbors who need a small, short-term loan. Lenders contribute to one shared pool; borrowers see the full repayment plan before they accept.
40 lenders are already funding the pool
4 weekly payments, shown before you continue
Shared reserve, no hidden charges
People lend to people. The pool keeps it simple.
01
Lenders fund the pool
People add small deposits to a shared lending pool. Deposits help make many small loans possible.
02
Borrowers request a loan
A borrower asks for $50.00 to $300.00, based on their transparent tier.
03
Every change is recorded
Each deposit, loan, payment, and cycle settlement creates balanced, append-only entries. 4 weekly payments return to the pool, while a separate reserve absorbs losses first.
Built for accountability
Under the surface, Potluck uses a double-entry ledger, deterministic loan and reserve rules, and an audited AI explainer. The ledger records every balanced money movement; the rules engine—not a person or model—determines the numbers.
Cost on a $100 loan
$1.00
A single 2% fee.
Four weekly payments
4
No compounding or late fees.
Lender worst case
Designed to be low-risk, not risk-free.
APR equivalent
41.4%
Shown for clarity because repayment happens weekly.
Small loans, clear rules, real people.
Potluck is a peer-to-peer lending platform built around transparent terms, shared risk, and personal choice.