How It Works – sendmore

Transfer Initiation

Sender initiates a transfer via a participating payment processor or remittance company.

Lending Offer

The sender or receiver selects the interest rate, loan term, and amount to lend on Send More… Senders can opt to lend the amount they are transferring before it reaches the receiver, and receivers can opt to lend incoming funds before the arrival date.

Borrower Matching

The P2P platform matches the offer with vetted borrowers seeking matching loan terms. Funds are deployed instantly from the platform’s liquidity pool, backed by the transfer.

Loan Repayment

Borrowers repay both principal and interest within the agreed term. Borrowers repay principal + interest to the platform.

Earn While Sending

Secure money transfer

Fast sending process

Reliable payment network

Choose to Lend

Select lending amount

Set rate & duration

Activate lending option

Match & Earn

Matched with borrowers

Short-term loan issued

Funds returned with interest

How It Works

Start a Transfer

Start by sending money or receiving an incoming

Set Your Lending

You stay in full control of how your funds are used.

Funds Are Secure

Once terms are confirmed:

Get Paid Back

Borrowers repay the principal

Your funds are credited securely

The transfer completes smoothly

Secure & Reliable

Borrowers are vetted

Secure peer-to-peer lending system

Transfers are always delivered

How It Works in a Few Simple Steps

Begin your money transfer and turn it into a short-term earning opportunity. Before the funds settle, you can choose to lend them out, define your interest rate and loan duration, and get matched with verified borrowers instantly — all without interrupting the transfer process.

Unlock the Power of Every Transfer

Join the future of peer-to-peer transfer lending.