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1) Lenders pick a business or project on the h3o web site and make a loan using their credit card.

2) h3o transfers funds to local partners (MFI). Partner disburses loans to each business.

3) Over time, partner collects repayments and provides business updates at h3o.org

4) Funds are returned to lender. h3o lender may withdraw or re-loan.

"In the West, it is easy to lose sight of the urgency of tackling poverty... But Poverty in the Third World means death."

"For the 1 billion people who live on less than $1.00 a day, one bad cold, one unlucky fall, one month of poor rainfall, and they or their children - or both - will likely die."

~Fareed Zakaria, Editor, International Editions,
Newsweek, March 28, 2005

We are building communities through small loans...

h3o mobilizes and connects YOU the socially minded lender with rural village projects and working poor entrepreneurs with micro credit loans using the internet….providing those in need the opportunity to be authors of their own lives.

“Together… we can be part of the solution … to end poverty in our life time”

We invite you to partner with us and be part of an exciting team that mobilizes our resources for those less fortunate... we invite you to be a part of this legacy!

Click on the link to the right, LOAN and BE IN ACTION!







Make a difference personally, locally and globally. Visit h3o partner:

Be in Action

View our latest press releases:

Natural Awakenings

FM 103.7 Interview


BE in ACTION!

Click to make a loan and get involved, every $ you lend goes to the borrower of your choice.


h3o does not charge the clients for the loans. We need your support to carry the administrative overhead of providing these loans. Please make a donation to help h3o.
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In the spirit of doing our part to alleviate poverty, h3o offers this website and its contents to the public domain for informational purposes. We do not claim any copyright to this website or its contents. Permission to reproduce, use and distribute the Resource Documents on this site is granted.

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