Identify, invest, equip, repeat.

From inner city Cairo to remote Nicaragua, TOLI focuses on communities that are heart-breakingly poor. But we understand that even in these places, rich assets and creative ideas are just waiting to be unleashed. Investing in one person at a time, one dream at a time, releases a ripple effect that transforms individuals, families, villages, nations. We've seen it happen again and again.

Here's how it works:



TOLI partners with a local church or local Christian organization to identify potential beneficiaries in the neediest areas. Our local partners will choose a ‘target group’ to focus on, then choose applicants who qualify according to that criteria.



Once a recipient and business project is chosen, the loan is issued in the form of the goods or assets necessary to begin the new business. No cash ever changes hands. The average loan ranges from $200 to $300.

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Clients receive small business training and ongoing support. Every month, our local field staff visits each new entrepreneur to monitor progress, offer coaching and to provide spiritual support and discipleship.



Recipients have about 18 months to pay back the loan. TOLI loans are revolving and stay local. When the loan is repaid by a recipient, it's then 'recycled' into another loan, for another project in the very same community.