Start private. Go public if you need more.
Every business starts with a private IOU on terms you set. Need more capital than one lender can provide? Open the same agreement to public investors for additional funding — without losing the original terms or record.
Built around the relationship
Realfund starts every deal as a private agreement. If a business needs more capital than one lender can provide, that same IOU can be opened to the public marketplace for additional funding — the original private terms stay in place.
For lending between friends, family, customers, or business partners on terms you define together.
When a private IOU needs additional capital, it can be listed here for investors seeking transparent, structured fundings.
Fundings, not fixed loan types
Each listing below is a private IOU that was opened up for additional funding. Compare opportunity, term, and risk before you commit.
Small business
Small business
Tourism & hospitality
Funding types also include agriculture & agtech, renewable energy, and real estate. See all current fundings →
Plan with real numbers
Adjust the principal and duration to preview projected lender yield or borrower repayment.
Illustrative estimate only. Actual rates, fees, and repayments depend on final agreement terms and risk assessment.
Confidence by design
Sensitive account and agreement information protected in transit and at rest.
Verification workflows help establish who is participating in each agreement.
Structured payment handling creates a clear record from funding to repayment.
Digital acceptance and timestamped records keep both parties aligned.