Banks underwrite your credit file. A Community Hub underwrites your track record. Hubs are invite-gated rooms of operators in the same business — laundromats, trucking, e-commerce, restaurants, real estate — who review each other's funding proposals, grade the risk together, and pool capital into escrow-protected circles.
Five steps, all visible to every member in the room.
Verified ID, minimum TandaScore, completed cycles, and — in pro hubs — proof you actually operate in the industry.
Purpose, target capital, seats, contribution size, cadence, duration, and how much collateral early payout slots must pledge.
TandaSpace scores the proposal A–F from organizer history, collateral coverage, and term structure. Members debate it in the thread.
Members apply for seats and pledge collateral. The organizer approves the roster; payout order is ranked by trust.
The proposal converts into a real circle. Contributions sit in escrow, payouts release on schedule, reserves cover default.
Each hub sets its own eligibility bar. You can belong to more than one.
Bridge a down payment gap, fund a roof replacement before refi, or cover a seasoning period between loans.
Replace six washers at once instead of one per quarter, or buy an existing route when the seller wants cash fast.
Fund inventory ahead of Q4 without a 30% merchant cash advance, or clear a container stuck in customs.
Cover a rebuild, an insurance down payment, or float payroll through a 60-day factoring gap.
Build out a second location, replace a walk-in cooler, or fund a liquor license deposit.
Illustrative examples of the structures hubs use most.
Six members contribute $2,000 a month for ten cycles. She takes cycle 2 and walks away with $18,000 net after the performance reserve, buys the machines at a bulk discount, and keeps contributing until the circle closes. No lender, no personal guarantee on a 28% APR line.
Twelve sellers each put in $2,500 monthly. The first four payout slots require a collateral pledge, so the members taking cash earliest have real skin in the game. Two sellers fund October inventory, sell through the holidays, and keep paying in while later members take their turns.
An engine rebuild grounded his only truck. Instead of a title loan, he pitched the hub, answered questions in the discussion thread for four days, and was approved for slot 1. He was back hauling in nine days and covered his contributions from revenue.
Examples are illustrative and do not represent guaranteed outcomes. Amounts, grades, and timelines depend on the hub, the proposal terms, and member participation.
Contributions are held and released by schedule. A performance reserve is withheld from each payout to cover default.
The people grading your proposal run the same business. They spot bad assumptions a loan officer never would.
Risk grade, collateral requirements, payout order, and reserve schedule are all on the proposal page before you commit.
Every completed cycle raises your TandaScore, which unlocks stricter hubs, larger pots, and earlier payout slots.
Verify your identity, complete a circle, and the doors open. Hubs are capped and gated on purpose — that's what makes the capital inside them trustworthy.