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        "date": "Feb 07, 2025"
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        "title": "This year’s lull in D&D content is a huge opportunity for indie teams | Polygon",
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        "title": "Zidisha - Crowdfunding for developing country entrepreneurs",
        "tagline": "We let you crowdfund and interact directly with remarkable entrepreneurs in developing countries.",
        "body": "TL;DR: Fund a small business for a low-income entrepreneur in Africa or Asia. Interact directly with your chosen entrepreneur via chat, photos and videos. Then watch your impact multiply as the entrepreneur pays your donation forward by funding other entrepreneurs in need.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/a2a1c289-4c12-44b5-9559-68e075dd0a1d)\n\n### The problem: Developing country businesses lack capital\n\nSmall businesses provide 80% of employment in Africa and other emerging markets - but they lack access to the capital they need to grow and provide more jobs. Too small to be profitable for banks and too large to benefit from consumer loan apps, these businesses are called the “missing middle” because they fall between the tiers served by existing financial infrastructure.\n\nFor example, Daniel started a cybercafe in a low-income neighborhood in Ghana. His facility is the only source of internet access in the community, but it has only two computers and people must wait for hours to use them. Daniel earns barely enough to support his family, and there isn’t enough left over to invest in new machines.\n\n### The solution: Connecting entrepreneurs to investment capital\n\nA friend invites Daniel to use Zidisha, and he signs up and posts his story and photos on the platform. His initial project of $50 is funded by a combination of Zidisha entrepreneurs and philanthropic backers who visit the website. He uses the $50 to buy a printer and add printing services to his cybercafe. Within a couple of months, the printer has paid for itself. Daniel “pays it forward” by funding $50 worth of projects for other fundraising entrepreneurs on the platform.\n\nIn a subsequent project, Daniel raises $300 and uses it to acquire two more second-hand computers. This doubles the capacity of his cybercafe and Daniel’s earnings. Daniel pays the $300 forward to other Zidisha entrepreneurs while continuing to benefit from the increased cash flow. The increased earnings allow Daniel to enroll his daughter in high school.\n\nEventually, Daniel raises $1000 to open a second cybercafe in a nearby neighborhood. He hires two employees to help him manage the second cybercafe.\n\n### How it works\n\nEntrepreneurs in developing countries create project pages where they share their story, photos, and descriptions of their investment opportunity. Projects are funded by backers from all over the world.\n\nInstead of repaying the projects as loans, entrepreneurs “pay it forward” by in turn funding other entrepreneurs on the platform.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/bd8803ee-5359-4009-8d63-e66a4c4fe466)\n\nEntrepreneurs post project updates and interact directly with their backers through the project discussion tab.\n\n![uploaded image](/media/?type=post&id=71010&key=user_uploads/36608/e1786735-029d-492b-b38c-6cafcec477d9)\n\nBackers can view which projects were funded by their entrepreneurs and watch their impact grow over time as the funds continue to be recycled.\n\n### How you can help\n\n* Connect us with impact investors who are interested in creating new opportunities in developing countries. Email the founder, Julia Kurnia, at julia (at) zidisha.org.\n* [Visit our website](https://www.zidisha.org) to meet an entrepreneur today!",
        "url": "https://www.ycombinator.com/launches/ITK-zidisha-crowdfunding-for-developing-country-entrepreneurs",
        "votes": 18,
        "created_at": "2023-04-17T18:46:53.162Z"
      }
    ]
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    "id": 668,
    "name": "Owners Circle",
    "slug": "owners-circle",
    "former_names": [
      "Local Lift",
      "Equity Endeavor"
    ],
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    "website": "https://www.ownerscircle.com",
    "all_locations": "San Francisco, CA, USA; Berkeley, CA, USA",
    "long_description": "OwnersCircle provides small business owners with the online tools and financial information that they need in order to navigate the complex world of business financing.\r\n\r\nThe reality is that there is no easy way to search for small business financial products, which creates a headache for already time-strapped business owners. Recent reports show that owners spend an enormous amount of time (25 hrs on average) searching and applying for loan products, with many focusing on lenders that have high rejection rates and long, complex processes.\r\n\r\nThere's a better way! There are a growing number of banks and alternative lenders that want to work with small businesses and are willing to compete for their business. Our platform provides owners with the information they need in order to identify, compare, and apply for financial products that can help take their business to the next level.\r\n\r\n\r\nWhy Use OwnersCircle?\r\n\r\n1. Get access to free, online tools to identify financial institutions that actively lend to growing small businesses\r\n2. Shop and compare a variety of lenders and their loan products \r\n3. Use one platform to complete your financing search versus spending countless days researching and completing lender applications only to find out you're not a fit\r\n4. Free access to our team of funding consultants to answer any questions you may have throughout the process\r\n\r\n\r\nWhat Types of Business Financial Products does OwnersCircle Include?\r\n\r\n- Lender Types: Local Banks and Alternative Lenders\r\n- Product Types: SBA Term Loans, Bank Term Loans, Alternative Term Loans, Asset-based Loans and more\r\n\r\n\r\nWhy Would I Need Business Financing?\r\n\r\nNew location or remodel current space\r\nPurchase inventory\r\nPurchase equipment\r\nHire additional employees\r\nManage cash flow\r\nRefinance/consolidate current debt\r\nMarketing and advertising",
    "one_liner": "Kickstarter for local businesses",
    "team_size": 2,
    "industry": "Fintech",
    "subindustry": "Fintech -> Credit and Lending",
    "launched_at": 1398907702,
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    "top_company": false,
    "isHiring": false,
    "nonprofit": false,
    "batch": "Summer 2014",
    "status": "Inactive",
    "industries": [
      "Fintech",
      "Credit and Lending"
    ],
    "regions": [
      "United States of America",
      "America / Canada"
    ],
    "stage": "Early",
    "app_video_public": false,
    "demo_day_video_public": false,
    "app_answers": null,
    "question_answers": null,
    "url": "https://www.ycombinator.com/companies/owners-circle",
    "api": "https://devasheeshg.github.io/yc-api/batches/summer-2014/owners-circle.json",
    "year_founded": null,
    "city": "San Francisco",
    "country": "US",
    "linkedin_url": "",
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    "fb_url": null,
    "cb_url": "https://www.crunchbase.com/organization/owners-circle",
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    "founders": [
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        "user_id": 40664,
        "full_name": "Matthew Christen",
        "title": "Founder",
        "founder_bio": null,
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/matthew-christen-93972186/",
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      {
        "user_id": 40662,
        "full_name": "Broderick McClinton",
        "title": "Founder",
        "founder_bio": "",
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/broderick-mcclinton-45708a11",
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      {
        "user_id": 40663,
        "full_name": "Eric Sonnier",
        "title": "Founder",
        "founder_bio": null,
        "is_active": true,
        "linkedin_url": "https://www.linkedin.com/in/ericsonnier",
        "x_url": null,
        "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f84116bc8d09d47586de5dce0d7c061453bbc710.jpg"
      }
    ],
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    "id": 736,
    "name": "Sliced Investing",
    "slug": "sliced-investing",
    "former_names": [],
    "small_logo_thumb_url": "/company/thumb/missing.png",
    "website": "",
    "all_locations": "San Francisco, CA, USA",
    "long_description": "Sliced Investing is online platform that provides access to top private investments for financial advisors and accredited investors. Sliced automates all of the previously manual processes associated with making an alternative investment, facilitating electronic signing of subscription documents and streamlined reporting. Sliced's Advisor workstation allows financial advisors a one stop shop for their alternative investments and integrates seamlessly with leading custodians, reporting platforms and file storage systems.",
    "one_liner": "Crowdfunding for hedge funds",
    "team_size": 11,
    "industry": "Fintech",
    "subindustry": "Fintech -> Asset Management",
    "launched_at": 1401534888,
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      "Crowdfunding",
      "Investing"
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    "top_company": false,
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    "nonprofit": false,
    "batch": "Summer 2014",
    "status": "Acquired",
    "industries": [
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    "regions": [
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      "America / Canada"
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    "stage": "Early",
    "app_video_public": false,
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    "app_answers": null,
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    "url": "https://www.ycombinator.com/companies/sliced-investing",
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    "founders": [
      {
        "user_id": 43246,
        "full_name": "Mike Furlong",
        "title": "Founder/CEO",
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        "linkedin_url": "https://www.linkedin.com/in/michael-furlong-6442b332",
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        "user_id": 14715,
        "full_name": "Akhil Lodha",
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        "linkedin_url": "https://linkedin.com/in/akhillodha",
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    "id": 761,
    "name": "The Human Utility",
    "slug": "the-human-utility",
    "former_names": [
      "Detroit Water Project"
    ],
    "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddcada339c9ae420abc290b01a1f11ded7218d73.png",
    "website": "https://www.detroitwaterproject.org/",
    "all_locations": "San Francisco, CA, USA; Oakland, CA, USA; Remote",
    "long_description": "Founded July 2014, The Human Utility (formerly known as the Detroit Water Project) matches families needing help with utility bills to people who want to help through payments directly to utility companies.\r\n\r\nFor over 40 million families in the United States, water and other essential utilities may be unaffordable. In order to afford utilities, families often forgo medication, food, and transportation. The Human Utility's platform divides a bill similar to a loan syndicate expanding the possible number of donors from around the world able to join together to ensure families never lose access to utility service. Donors are matched with a specific family or donate to a universal assistance fund.\r\n\r\nLater, we use utility data to design interventions addressing the root causes of why people need help with their utility bills with the goal of never having them lose service again.",
    "one_liner": "The Human Utility seeks to eliminate water service disconnections for…",
    "team_size": 2,
    "industry": "Unspecified",
    "subindustry": "Unspecified",
    "launched_at": 1416219793,
    "tags": [
      "Crowdfunding"
    ],
    "tags_highlighted": [],
    "top_company": false,
    "isHiring": false,
    "nonprofit": true,
    "batch": "Winter 2015",
    "status": "Active",
    "industries": [
      "Unspecified"
    ],
    "regions": [
      "United States of America",
      "America / Canada",
      "Remote",
      "Fully Remote"
    ],
    "stage": "Early",
    "app_video_public": false,
    "demo_day_video_public": false,
    "app_answers": null,
    "question_answers": null,
    "url": "https://www.ycombinator.com/companies/the-human-utility",
    "api": "https://devasheeshg.github.io/yc-api/batches/winter-2015/the-human-utility.json",
    "year_founded": null,
    "city": "San Francisco",
    "country": "US",
    "linkedin_url": "",
    "x_url": "http://www.twitter.com/humanutility",
    "fb_url": "http://www.facebook.com/thehumanutility",
    "cb_url": "https://www.crunchbase.com/organization/the-human-utility",
    "github_url": null,
    "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ddcada339c9ae420abc290b01a1f11ded7218d73.png",
    "app_video_url": null,
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    "founders": [
      {
        "user_id": 3815,
        "full_name": "Tiffani Ashley Bell",
        "title": "Founder/Executive Director",
        "founder_bio": "Tiffani ​is the​ Founder and Executive Director ​of The Human Utility. Since July 2014, The Human Utility has helped thousands of people with their water bills.\n\nShe was a 2017 Technology & Democracy Fellow at the Harvard Kennedy School of Government.\n\nTiffani is a programmer who earned a BSc in Systems & Computer Science from Howard University. She is also a Stanford Graduate School of Business alumna having earned an MS in Management as a Sloan Fellow. \n\nAlways chewing gum.\n\nQuant.",
        "is_active": true,
        "linkedin_url": "http://www.linkedin.com/in/tiffani",
        "x_url": "https://www.twitter.com/tiffani",
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      }
    ],
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  }
]
