FundKo Investment Process and Review

Diversification is important when investing your hard-earned money.  This is to manage risks in investing. One can put his or her money in different financial products.  Thanks to the internet! I have discovered an alternative investment. And that is FundKo (

FundKo is an online peer-to-peer platform that connects borrowers and lenders.  As with any other lending institution, FundKo verifies borrowers by reviewing the documents that they have submitted.

Since we’re talking about investments, I will give my review as an investor.  Obviously, you will have to register for an account.  Once you have registered, you will need to  add funds to your FundKo wallet. You have two options: Dragonpay and Direct Deposit.  Instructions are easy to follow once you have selected your option.

As for me, I funded my FundKo wallet using Dragonpay. With Dragonpay, I made a bills payment at any 7-11 branch nationwide. My bills payment was processed in less than two days.

After funding your FundKo wallet, you can start investing in the FundKo Marketplace.  The FundKo Marketplace can be found in the Lender Dashboard. You can filter the loans you want to invest in.  The loans that I have seen in the market place have terms up to 48 months. The maximum term that I invested is on a 24 month loan.

Before investing in any loan, you can check the purpose of the loan and the documents that the borrower has submitted by clicking on the Loan id. If you want to invest on that loan, click the Invest button and enter the amount you want to invest.

Note: FundKo recommends that you invest only a maximum threshold of 10% of your money in a single borrower to manage your risks.

Once the loan is fully funded, you will receive an email notification. The next step is to sign the loan agreement. The loan agreement can be found under the Check My Loanbook tab.

Once the proceeds are released,  you will get an email notification.

The next step is to monitor the payments of the borrowers. You will see the schedule of the borrowers’ payments on Investment Details tab.

I like how FundKo’s website is designed. It is very detailed and summarizes how much your cash flow is for the current month. The Loanbook shows you a summary of the loans you funded and the status of the payments of the borrowers. The dashboard shows you your effective yield.  As of this writing, my effective yield is 14.7%.

So far, the borrowers have been paying on time on a monthly basis.

You can actually re-invest the payments you receive on a monthly basis.

Overall, I like how my money is working for me. The returns that I am getting are returns that I won’t earn by just saving in the bank.



35 Replies to “FundKo Investment Process and Review”

  1. Hi Yen. It looks like it is possible to transfer funds using online banking. This is the instruction I found when I clicked on the Add Funds. It uses Dragonpay payment gateway to fund using online banking.

    Use Dragonpay payment gateway to fund your FundKo account. Select from various payment options

    Over the Counter (Non-bank)
    Online Banking
    Bank Counters
    You will receive instructions via email from Dragonpay on how to proceed with payment. Once payment is received, your FundKo account will be funded next banking day.

    *Note that some partners take up to 2 banking days process a payment

    1. Salamat Katherine.

      Yeah, i’ve just seen from the dashboard, meron pala silang BDO account doon na pwede deposituhan. So, I’ll be doing the deposit via BDO online banking to deposit. Meron din silang “upload” system for the screenshot of the deposit slip/transaction.

      Tnx po.

  2. Hi! I’m currently researching on FundKo for school requirements. I’ve read your post on the company and I just want to ask if it’s possible for me to get a copy of your contract with FundKo. I just want to understand more how their process and business works. I’ll be totally fine with blurred personal information. None of these will be posted online and will only be used for research purposes.

    Hoping to hear from you soon.

    Thank you so much!

  3. hi how is the interest is calculated? for ie. i funded a loan for 3k.
    and what is the pledge to be released in the dasboard?


  4. Oh my goodness! an amazing article dude. Thanks However I’m experiencing issue with ur rss . Don’t know why Unable to subscribe to it. Is there anyone getting similar rss drawback? Anybody who is aware of kindly respond. Thnkx

  5. Hi! How’s your FundKo doing so far?
    I’m still doubtful about putting in some money as I have read several negative feedbacks on blogs, and perhaps 1-2 positive ones only. Just wanting to know more about my options Thanks!

    1. Hi Nikki. So far it is okay. What I do is I spread the amount in different loans. I only invested P15,000 in this as a way for me to test the waters. There is always risk involved. As an alternative, you may want to check out Vidalia. It is a managed peer-to-peer lending. I have a post about it in building my retirement fund.

  6. Since when nagstart itong fundko?
    I’m looking for some investment opportunity kase and I found out about this site. Is this legit? Thank you.

  7. Howdy! I’m at work surfing around your blog from my new
    iphone 3gs! Just wanted to say I love reading through
    your blog and look forward to all your posts! Keep up the superb work!

  8. Awesome blog you have here but I was wanting to know if you knew
    of any message boards that cover the same topics discussed in this article?
    I’d really like to be a part of group where I can get advice
    from other experienced people that share the same interest.
    If you have any recommendations, please let me know.
    Bless you!

  9. Your article is very informative. I am also into investing thats why I’m glad that I bumped to your page invested in dvboer farm. Do you still have investment in Fundko?

  10. Hi I found this blog very useful. Thank you very much. I just created my fundko account and just started investing. I have a question though, when the fund is completed will it shows there that you’re part of the investor who funded the account or the email notification that we received is the proof (which includes the amount you funded and the loan id number? Please advise. Thanks once more and advance for answering my query.

  11. Hello Katherine,

    If you are an OFW, how does signing of contract work? Does it need to be hard copy or digital will do?

    Thanks in advance!


  12. Splendid Article, it was nice to learn that there is a platform like this for Pinoys.

    Ms. Katherine, would it be possible for me to also have a copy of a contract with Fundko (with your personal info blurred ofcourse), I’m also in charge of researching Lending sites and their process for a school paper. It would be a really helpful reference. I will take great care to protect its confidentiality.

    Hope to hear from you soon. And salamat for the very informative article.

  13. Hi Ms. Kath, I have read your blog about Fundko and found it useful for our investment project in school. Would it be possible for your to send me a copy of your transactions on Fundko for my reference? Your response would be of great help. Thank you!

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