Social Lender is a micro-finance solution based on social reputation on mobile, online and social community platforms. The solution is designed to bridge the gap of immediate fund access for people with limited access to formal credit. Social Lender uses its own proprietary algorithm to perform a social audit of the user on social media, online and other related platforms and gives a Social Reputation Score to each user. Micro-credit are guaranteed by the user’s social profile and network allowing users to then borrow from banks and other financial institutions based on their social reputation.