Social Lender is a digital financial service solution based on social reputation on mobile, online, offline and social community platforms. Social Lender is designed to bridge the gap of immediate access for people with limited access to formal financial services. Social Lender uses its own proprietary algorithm to perform a social audit of the user on mobile, online, offline and social platforms and gives a Social Reputation Score to each user. Financial Services are guaranteed by the user’s social profile and network. Users gain access to services like credit, savings, leasing and much more from banks and other organisations based on their social reputation.