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<h1>Borrow or lend money!</h1>
<p class="lead">Esential uses the tax refunds of low-income individuals (on average $2,000) as a form of collateral, such that loans can be lower risk and thus have lower interest rates.</p>
<p><a class="btn btn-lg btn-success" href="/users/sign_up" role="button" >Get started today</a></p>
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<h2 id="about">Organization History</h2>
<p>Our organization was created during the summer of 2016 during a fintech collider competition in Singapore. We won the collider and we are here in Berkeley to implement the lending platform. </p>
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<h2>Target Audience</h2>
<p>The target audience for this project will be low income individuals who take out payday loans, there are approximately 19 million Americans who take out these loans each year.</p>
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<h2>Members</h2>
<p>Our platform allows you to sign up as either a borrower or as a community member, otherwise known as the lender. Community Members will be able to list their information and borrowers will be able to contact them and request loans.</p>
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<p>© 2016 Esential, Inc.</p>
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