Backed is a disruptive US-based online lending platform, enabling borrowers easier access to a fair loan. We allow our users to add a Backer (co-signer reinvented) to their loan application, to assist them to qualify for a loan or to reduce their rate. Our patent-pending machine learning underwriting model incorporates the added layer of safety as part of our risk assessment, and reduced risk is then reflected in our loan approval and pricing offers. This unique model makes us the only platform appealing to all borrower demographics, at unmatched rates, and with reduced risk of default. Backed offers 1, 2, and 3-year personal loans for diverse purposes, improving the financial well-being of our customers. Our loans range from $3,000 - $25,000 at APRs starting as low as 2.9%.